The best auto insurance options for motorists in Oregon

If you are a motorist in Oregon, it is the law that you must have at least a liability auto insurance coverage. The minimum amount of insurance each driver must obtain is $25,000 per person for bodily injury and property damage liability, including $50,000 per crash for bodily injury to others and $20,000 per crash for damage to other people’s property. You must have at least $15,000 per person of personal injury protection and uninsured motorist insurance in the amount of $25,000 per person and $50,000 per crash for bodily injury but what other coverage options are available to Oregon drivers?

Collision insurance

Collision insurance is a level of auto insurance that includes coverage for repairs to your vehicle they may need to be made if you were involved in a traffic accident, no matter who is at fault. This type of coverage also covers property damage and any damage to the vehicle that is a result of the collision with other things besides someone’s vehicle on the road, such as trees, poles, and buildings. If your car is declared totaled by the auto insurance company, this type of coverage may provide a replacement vehicle of the same market value or a nice down payment for another vehicle.

Comprehensive insurance

Comprehensive insurance coverage will replace your vehicle if it is stolen or it is damaged by a natural disaster, such as a tornado, hurricane, or hail storm. This also includes damages sustained by your vehicle due to vandalism after a police report is filed.

These are just basic insurance categories and you can work with your trusted and experienced auto insurance agent to create the very best policy for you and your situation. She or he will have the skills and database to find the best insurance options for you so that you can drive with confidence and the peace of mind you deserve.

The staff and insurance agents at the Linda Dugan Insurance Agency in Astoria, OR are ready to serve you and all of your auto insurance needs by connecting you with the best insurance options in Oregon. Call for an appointment today!

Choosing an auto insurance deductible

One of the most important aspects of an auto insurance policy is the decision regarding how costs will be shared to pay for damage to the vehicle. This is generally factored into the deductible amount in every car insurance policy. Linda Dugan Insurance provides these services to the Astoria, OR area. 

The differences in deductibles

After a vehicle is involved in an accident and repairs must be made, the deductible essentially functions as an agreement between the driver and the insurance company about how costs will be divided. As a general rule, drivers who are willing to pay more after an accident happens should choose a higher deductible, while those who want to pay little or nothing out of pocket should go for a policy with a lower deductible. Policies with lower deductibles will usually have higher initial costs for the consumer. Usually, drivers with newer or more expensive cars generally want to have lower deductibles in most cases, while those with cars that start to become older and more worn will be less concerned with minor damage or the possibility of a car becoming a total loss after an accident. 

You deductible is also important because collision insurance is required if a car is financed by a bank or a loan. This means that every driver who has a loan must also have collision insurance and figure out what kind of deductible will work best for them. 

Talk with an auto insurance expert today

Contact an agent at Linda Dugan Insurance who serves Astoria, OR area for more information. They can tell you more about choosing a deductible or answer any more questions you may have about car insurance. 

Why insurance needs differ for teenage drivers

Teenage drivers are still learning the ropes of safe driving and vehicle maintenance. Because of this, it only makes sense that their coverage needs will differ from their adult counterparts. The team at Linda Dugan Insurance understands how important it is to protect the younger drivers in the greater Astoria OR area, and we are here to help! We understand what it takes to keep your teenagers safe and your family protected from the liability that can occur.

Why insurance needs differ for teenage drivers    

Teenagers are teenagers, and they aren’t always as cautious as they need to be. In many instances, they can be easily distracted, and they just don’t have the experience that can help them to overcome these challenges. When you have a teen driver on your family policy you will want to make sure that you have adequate coverage for dents and dings that can occur with inexperienced drivers. It is also a great idea to look into roadside assistance features as you will want to make sure that are able to get help in a timely fashion in the event of an accident or mishap. Teen drivers aren’t bad drivers, they’re just inexperienced. With time their driving skills will improve, but in the meantime, it is important to protect them and keep your family safe from liability issues. The right auto policy will take all of these factors into consideration and provide the right type of coverage at appropriate protection levels. 

Want to find out more about your options for a family auto insurance policy that covers teenage drivers? Call or stop by Linda Dugan Insurance today, we are here to answer any insurance questions that you may have about teen drivers in the greater Astoria, OR area.

Auto Loan Amount VS. Insured Amount — How Much Coverage Do I Need?,

Trying to understand your Astoria, OR home loan amounts and insurance policy amounts can be difficult, and trying to determine the difference between what your auto loan amounts and insured amounts are can be tricky, too. At Linda Dugan Insurance, we know that you need to understand the difference in order to obtain the right protection. Here’s what you need to know. 

Loan Amount VS Insured Amount  

“Loan amount" is the amount of money you borrow from the lender and agree to repay. This amount sometimes includes more than just the amount of money you borrow – it can also include closing costs, fees, and points. The amount of your loan can differ significantly from the amount of your insurance coverage, which is the amount of policy coverage.  

Why The Difference? 

When you compare your loan amount with your insured amount, you need to consider the amount of money paid versus the money you’ll receive in the event of a claim. For example, if you still owe your lender $25,000, but your auto insurance covers the cash value of your vehicle, which is $20,000, the difference between your loan amount and your insured amount is $5,000. If you are involved in a collision and file a claim, you would receive the $20,000 cash value, but you would still owe your lender the full $25,000 due on your loan. 

What’s The Solution? 

In order to fully protect your loan amount, or you need what is called gap insurance in addition to your standard auto insurance policy, to cover the difference between the amount determined by your policy and the amount you still owe on your loan.  

There’s more to buying auto insurance than just buying standard coverage — you need the right amount of coverage for your specific situation. At Linda Dugan Insurance, we’re the Astoria, OR insurance experts. Give us a call today –we can help you choose the right policy for your unique needs.

What Happens if Auto Insurance Lapses?

Most people that drive a vehicle in Astoria, OR are very well aware that they are required by law to carry auto insurance. While you may have an auto insurance policy in place, there is a situation that your coverage could laps if you fail to make a payment or if the policy has expired. If you let your policy lapse, several different things could happen.

Put Yourself at Risk

The biggest issue with allowing your auto insurance to lapse is that you will be putting yourself at significant risk. When you are behind the wheel without auto insurance, you could find yourself in it pretty significant financial trouble if you get into an accident. Even if you don’t have insurance, you still will be responsible for any damage that you caused. Also, if your vehicle is stolen or vandalized without insurance, you will be required to pay for the replacement or repairs out of pocket.

Face Significant Penalties

Another thing that could happen if your auto insurance lapses is you could face some significant penalties. Driving with auto insurance is extremely important. If you are caught driving without active auto insurance, you could face severe financial penalties from law enforcement, your local DMV, and even your auto lender. Because of the risks that come with not having insurance, it is very important that you keep it active at all times. 

If your auto insurance is coming to an end, or you want to learn more about your auto insurance options, reaching out to the Linda Dugan Insurance agency would be a very beneficial step. When meeting with the team at Linda Dugan Insurance in Astoria, OR residents will be able to get more information about their insurance requirements and get into a great policy. 

Are your Desert Toys Insured? This is Why They Should Be!

You’re cruising through the desert trails of Astoria, OR on your four-wheeler, when out of nowhere comes to a dirt bike doing a wheelie!  You stop but not in time, and neither does the dirt bike driver. There’s a crash, though no one is hurt, luckily.  Still, there is a significant amount of damage to your four-wheeler and the dirt bike? But you’re not too worried about it. Why? Because your favorite desert toy is insured by Linda Dugan Insurance.

Read on to learn more about why you should ensure your recreational toys with Linda Dugan Insurance.

1.  If there is an injury to your or another party while using a recreational vehicle, having insurance will help cover costs.

2.  If your desert toy is stolen or vandalized, having insurance could help replace or repair what was stolen or vandalized.

3.  If your recreational vehicle causes damage to someone’s property, having insurance will help minimize the financial consequences.

4.  Having insurance on all of your desert toys, from dirt bikes to four-wheelers and boats, will give you peace of mind every time you blaze the desert sands or cool off in one of Oregon’s lakes.

Contact our offices for more information on how you can insure your favorite motorized toys!

How To Itemize Your Flood Insurance Claims

While floods might not hit Astoria, OR that often, they may still happen. At Linda Dugan Insurance, we’ve seen too many people fail to itemize their damaged items properly. As a result, their claim was denied. Here is how you can avoid complications with this process.

Walk Through Your Home

After a flood strikes, walk through your home and take a look at everywhere that has been damaged. There is a good chance that the flood has affected many rooms in your home. Go through each of them and take a look at every element that has been damaged and takes a deep breath. This part is going to be tough.

Photograph The Damage

Take photos of the damaged areas to ensure that everything is properly documented. While your insurance company is likely to take your word, they may want some evidence. Photographs of important items showcase your damage and make sure your claim is approved.

Detail All The Possessions You’ve Lost

Write down all of the possessions that you lost because of the flood. These can include electronics, pieces of furniture, expensive pieces of electronics, and other elements that have a real value. Write them down, including their estimated price, on a piece of paper as you go through the house.

Break Them Up Into Types

After writing down all of the damaged items in your home, take the time to break them down into categories. These can include things like electronic items, home decoration products, and more. Breaking them down in this way helps your insurance company identify them more easily.

Getting Great Flood Coverage

If you live in Astoria, OR and want flood insurance, contact us at Linda Dugan Insurance. We serve this city and others in the area and can provide you the policy that you need.

3 Tips for a Fun-filled Day Out on the Water

When it comes to rest and relaxation, there is nothing better than taking the boat out for a float at a nearby lake or ocean in Astoria, OR. Before you are out enjoying the beautiful weather, though, you’ll definitely want to make sure you have properly planned ahead for a fun-filled day. Here is a quick look at three must-know tips for having a safe and fun time out on the water.

Check the Weather

Before planning your trip to the lake or beach, you should always check your local weather. A few things to watch for are:

  • Current wave conditions, including when the next low and high tides are
  • Wind trends
  • Any warnings current for the area you will be traveling to

Know your Water Safety

Make sure your children know about water safety and they have proper swimming skills. Parents will also want to set guidelines and rules for water play. Two of these rules should always include wearing life jackets when swimming or boating and having a swimming buddy while in the water. Also, when you’re on your way to the beach, this makes for the perfect time for you and your family to discuss how far out in the water the children are allowed.

Essential Things To Pack

To plan the perfect day on the water, it is vital to make sure you have the essentials packed and ready to go. A few things to bring to ensure you and your family are prepared are:

  • Bottled water
  • Snacks
  • Sunscreen
  • Floaties
  • Cooler
  • Sunglasses
  • Extra clothes
  • Beach towels

Protect Your Boat

Also, before you head to the lake or ocean, you’ll want to make sure your boat is properly protected with boat insurance. Contact Linda Dugan Insurance serving the Astoria, OR today to learn more about different types of boat insurance policies.

The Importance of Reviewing Your RV Insurance Policy in the Spring

An RV is not a small or inexpensive item. And if your RV were to sustain damage, it may be a financial burden to you to have to pay for the repairs or any loss that is caused. This is why having the right amount of coverage on your RV insurance is so important. At Linda Dugan Insurance, serving the greater Astoria, OR area, we recommend reviewing your RV insurance every spring, before you take your RV out for the season, to ensure your coverage is ideal. Here are a few of the things you should know.

What Should Be Looked at When Reviewing Your RV Insurance?

As you look at your RV insurance, you want to make sure that your policy limits are still applicable to your RV. Your RV may go up or down in value, based on how much it is driven, used, its condition and changes and repairs you make. As the value changes, your policy may also need to change.

Why Is Spring the Ideal Time to Review Your Policy?

Your policy should be reviewed at least once a year. At the end of the day, it doesn’t matter what time of year you review it, as long as it is consistently done. However, we recommend spring because it is right before most people take their RV out and begin to heavily use it. This ensures the coverage limits are appropriately set for any upcoming adventures or travel you may have.

If you are looking to change your RV insurance policy coverage or are looking for a new plan, Linda Dugan Insurance, serving the greater Astoria, OR area, can help. Contact us today and let us review your policy or provide you with quotes for a new one.

How Can Flood Insurance Help You Recover?

In the unfortunate event that your home and family are subjected to a flood, you’ve got a lot of work ahead of you, but having the right insurance in place can make recovering easier. Whether you need a place to stay while the flood is dissipating, or if you’re faced with costly repairs to your home and property, flood insurance can help. The coverage thresholds and limits vary, making it important to know what your policy covers.

Covered building property under flood insurance policies includes electrical and plumbing systems, water heaters, carpeting and window blinds among many other items. All of this building property would be costly to replace without flood insurance, inhibiting your ability to recover from the disaster.

Insurance can also replace your refrigerator or foundation walls, turning your home back into a habitable place. Personal property items, such as clothing, furniture, portable microwaves and artwork among other items may also be covered. Having these items replaced can make your recovery process easier and faster, which is better for everyone in your family.

Sitting down and discussing coverage options with an insurance specialist at Linda Dugan Insurance in Astoria, OR is an effective way to tailor flood insurance to meet your risk profile. Whether you need additional living expenses or help to supplement medical subscriptions, insurance can help you get back on your feet.

To learn more about flood insurance and how to mitigate the risks posed by this unfortunate event, please contact Linda Dugan Insurance in Astoria, OR. If you live in a flood zone or an area that is prone to having natural disasters, it’s prudent to get flood insurance before the unexpected happens. Flood insurance can help you get your life back on track.