Are You Looking To Save Money On Your Auto Insurance

Is your Automobile insurance going up? Saving money on car insurance is a relatively quick way to lower the cost of operating your car, and can be accomplished with a quick phone call to me. At Columbia River Insurance Services we have many markets to select from. There are many ways to lower your insurance costs without eliminating needed coverage. Here are a few ideas to consider:

• Use an independent agent to provide a quote. Columbia River Insurance Services is independent and has access to many markets that provide competitive premiums.
• Many insurers offer discounts if you have some of the following features on your car: Anti-lock brakes, Airbags, (driver/passenger, driver/passenger/rear seat, side impact, etc.), Automatic seat belts, Anti-theft device (active or passive) Daytime running lights
• Multi-vehicle discount (if you have more than one vehicle on the policy).
• You can receive discounts if you combine your home and auto with the same carrier.
• Good student discount & Good driver discounts.
• Consider raising your collision and comprehensive deductibles if your vehicles are older.
• Customer loyalty- if you stay with a company for a period of time, you can receive discounts each year.
• Maintain good credit. Credit scores have an impact on your premiums.
• Drive safely and don't get tickets.

As your independent agent, Columbia River Insurance Services is here to help you find the best possible combination of price and coverage. 

2014 Personal Insurance Guide

When was the last time you reviewed your insurance coverage? The start of a New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of coverage and price.

Insurance "To Do" List

• Review my insurance to make sure I have the right coverage
• Take the time to read my insurance policies
• Consider increasing my umbrella coverage
• Check my credit score
• Get a quote for earthquake insurance
• Consider an alarm system
• Clean my gutters
• Have I replaced all the batteries in my smoke detectors?
• Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
• Consider increasing my auto deductibles on my older vehicles
• Make sure I have identity theft insurance
• Combine my auto and home insurance to save money
• Complete a home inventory to ensure my property values are correct
• Do I have enough life insurance?
• Do I need life insurance for my spouse?
• Have there been any of the following changes in my life situations?

1. Bought  a new car or sold a car
2. Changed your marital status
3. Bought a boat, RV or ATV
4. Change of address
5. Welcomed a new baby into the family
6. Major inheritance
7. Have a new teen driver in the family
8. New purchase of guns, jewelry or art
9. Child headed off to college
10. Child over the age of 26
11. Purchased second home
12. Plan foreign travel
13. Started a home based business
14. Retirement
15. I now drive my personal car for work

Please call our office today if you need to make any changes in your insurance program.