Auto Insurance in Redmond, Bend & Central Oregon

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A captive agent can only sell one company's policies. As an independent agency, we can look at more than one option and help you choose what fits your car, your driving and your budget. We're right here in Redmond, so you get a real person who knows the area instead of a call center.

• We explain it in plain English. We'll walk you through limits, deductibles and the coverages that matter on Central Oregon roads.
• We stay with you. If your rate jumps at renewal, you add a teen driver or you buy a new truck, call us and we'll take another look.
• No cost for our help. Insurance companies pay us, so you don't pay anything extra for our service.

For auto insurance, we work with Branch, Liberty Mutual, Progressive, Foremost and GEICO, so we can compare more than one quote for you. Prefer to do it yourself? You can get an instant quote with Branch and still call us with questions. With Branch, you can earn savings of up to 5% on your premium when other members vouch for you.

• Liability (required): Pays for injuries and property damage you cause to other people.
• Personal Injury Protection, or PIP (required): Helps pay medical bills and some lost wages for you and your passengers, no matter who caused the crash.
• Uninsured/Underinsured Motorist (required): Protects you when the other driver has no insurance or not enough of it.
• Collision (optional): Pays to repair your own vehicle after a crash, including sliding into a guardrail on ice.
• Comprehensive (optional): Covers theft, vandalism, hail, fire, falling trees, cracked windshields and hitting a deer or elk.
• Extras to ask about: Rental reimbursement, roadside assistance and towing, and gap coverage on a financed or leased vehicle.

If you have a loan or lease, your lender will usually require collision and comprehensive.

Oregon DMV says every driver must carry at least:

• Bodily injury liability: $25,000 per person / $50,000 per crash
• Property damage liability: $20,000 per crash
• Personal Injury Protection (PIP): $15,000 per person
• Uninsured motorist (includes underinsured): $25,000 per person / $50,000 per crash

The minimums keep you legal, but they may not cover a serious crash. A newer pickup or a hospital stay can quickly cost more than $20,000 or $25,000, and anything above your limits could come out of your pocket. We'll help you compare higher limits so you know what each step up costs.

Winter roads and studded tires. Black ice in Redmond, snow on Highway 20 to Sisters and Santiam Pass, and powder days on the road to Mt. Bachelor are all part of life here. Oregon allows studded tires from November 1 through March 31, and you can be fined for running them outside those dates. Collision coverage is what fixes your car if you slide off the road, and roadside assistance can be worth it when you're stuck far from town.

Deer and elk. Wildlife on Highway 97, Highway 20 and rural roads around La Pine, Sunriver, Prineville and Madras is a real risk, especially at dawn and dusk. Hitting an animal is usually covered under comprehensive, not collision. If you only carry liability, the damage to your own car isn't covered.

Long rural miles. Commutes between Redmond, Bend, Terrebonne and Eagle Crest add up. Tell us how much you really drive, because mileage, garaging and drivers in the household all affect your rate.

Many carriers offer a discount when the same company insures your car and your home, condo or rental. Bundling also means one renewal date and one agent to call. See our Home Insurance page and ask us to quote both together. We can also cover motorcycles, and we help with life insurance and health coverage too.

What is the minimum car insurance in Oregon?

Per Oregon DMV: $25,000/$50,000 bodily injury liability, $20,000 property damage liability, $15,000 PIP per person, and $25,000/$50,000 uninsured motorist coverage.

Does my insurance cover hitting a deer or elk?

Usually, if you carry comprehensive coverage. Liability-only policies don't pay to fix your own car.

When can I use studded tires in Oregon?

From November 1 through March 31. Outside those dates you can be ticketed.

Is it cheaper to bundle auto and home?

It often is, but it depends on the carrier and your situation. We'll quote both ways so you can see the difference.

I just moved to Central Oregon. What do I need to do?

Get an Oregon policy before you register your vehicle with Oregon DMV, because you'll need to give your policy number. Call us and we'll get you set up.

Do you charge for quotes or advice?

No. Our help is free to you. Insurance companies pay us.

Whether it's your daily driver, a teen's first car or a work truck, we'll help you get the right coverage for Central Oregon roads.