Much like your home, your car is an important aspect of maintaining your livelihood. You need it to get from point A to point B and the last thing you want to worry about is your car being taken away because it is unprotected. Unfortunately, the truth is that even when you follow the rules of the road, drive carefully, and never drive when you are physically impaired; your car still may be on the bad end of an accident. Our independent agents at Linda Dugan Insurance understand how important it is to protect your car while it’s on the road.
When it comes to auto insurance, it is just as important to make sure you have the right insurance according to the state of Oregon as it is to have auto insurance that fits your budget, needs, and car. Driving around without auto insurance is against the law and can ruin your piece of mind. Many times, when you are a 5 star driver, you can come in contact with an inebriated or simply irresponsible driver that can cause an accident and snatch your car right out of your grasp. The right auto insurance can protect your car from everything from fender benders to full blown accidents that result in a totaled car.
Whether you are purchasing your first auto insurance or changing over your insurance for a more comprehensive plan, our independent agents at Linda Dugan Insurance will walk you through the process, step by step, to make sure you are leaving the office with all of your questions answered and the right insurance for your car and budget.
Why wait? Come down to our offices today to talk to our agents about how we can help you purchase the right auto insurance for your car.
Every family reaches a time when the moment to live in a smaller place, more personal and more comfortable, arrives. Whether that change is due to the kids growing up and leaving home, or it’s because health requirements are making it impossible or impractical to live in a larger home, downsizing happens. Some folks even downsize just to live in a new place they always wanted to, leveraging the investment of the previous home for a better location. Whatever the reason, home insurance is affecting accordingly when living conditions change. However, that doesn’t mean folks should give up on home financial protection altogether.
Clearly, a new home or smaller home is going to be a change, but a new policy could actually have a higher cost, not necessarily lower one. Some of the big reasons that trigger changes include the location, the cost of reconstruction, and the type of home involved. Location can be a big variance, with some locations having a real estate value more than double that of others. While that doesn’t necessarily directly impact home protection, it can influence the overall cost of home repair for that area. That in turn can be a policy cost more to address such expenses if they occur. Secondly, home construction in some areas can also cost more due to proximity to construction resources. More remote areas obviously will trigger more expenses from contractors. Finally, if a smaller replacement home is unique and not a standard construction, a common situation with retirees, then these additional changes or unique factors will also add to home insurance costs for coverage of replacement if it occurs. So, again, just moving to a smaller downsizing home for later years doesn’t mean one will automatically have a cheaper home insurance policy as a result.
The best way for folks in Astoria, OR to know what a downsizing event may look like cost-wise is to sit down with Linda Dugan Insurance. Their independent agents can scan the market and provide the best picture for alternatives before a homeowner makes changes, saving folks from uncomfortable surprises.