Auto insurance

Coverage built around how you actually drive.

Oregon requires every driver to carry certain coverage, but the minimum is rarely the whole story. Ernest helps you choose limits and options that fit your vehicles, your drivers and your budget.

Start an Auto quote Call 971-717-0800

Coverage options

What it can cover

Oregon law requires liability, personal injury protection and uninsured motorist coverage. The rest is up to you, and Ernest will explain what each piece does.

  • Liability

    Required in Oregon. Pays for injuries and property damage you cause to others in an accident.

  • Personal injury protection (PIP)

    Required in Oregon. Helps with medical expenses and some lost income for you and your passengers.

  • Uninsured and underinsured motorist

    Required in Oregon. Protects you when the at-fault driver has no insurance or not enough.

  • Collision

    Repairs to your own vehicle after an accident, whoever was at fault.

  • Comprehensive

    Damage from things other than a collision, such as theft, fire, falling trees, hail or hitting a deer.

  • Rental and roadside

    A rental car while yours is being repaired, and help with towing, flat tires or lockouts.

Ask Ernest whether these are available for you:

  • Gap coverage for a loan or lease
  • Higher liability limits
  • Teen and new drivers
  • Classic or collector vehicles
  • Motorcycles and RVs
  • Using your car for work

Who it's for

Is this a fit for you?

  • Drivers who want to know whether Oregon's minimum is enough for them
  • Families adding a teen driver or a new vehicle
  • Anyone who has had an accident or ticket and wants to know their options
  • People moving to Oregon who need a policy that meets state requirements

Why an independent broker

More than one company. One advisor.

  • Several companies, one conversationErnest isn't tied to one insurance company. He works with more than 100 companies and specialty markets, so he can compare options for you.
  • Advice that works for youErnest's job is to find coverage that fits your situation, explain the trade-offs plainly, and leave the decision with you.
  • Someone to call laterWhen something changes, you call the same person who already knows your policies, and he can help you start a claim with the insurance company.

How to request a quote

Three steps, no obligation

  1. 1

    Share the basics

    Answer a few short questions in the Auto quote request. It takes about a minute, and nothing sensitive is needed yet.

  2. 2

    Ernest reviews it

    Ernest reviews your request and contacts you directly by phone or email.

  3. 3

    Compare and decide

    You get options explained in plain language. There's no obligation, and coverage only starts once you confirm it with Ernest.

Start an Auto quote Or call 971-717-0800

General information only. Coverage is subject to the terms, conditions and exclusions of the actual policy, and not every option is available from every company. Read the full disclosures.