Oregon TNC / RideShare Insurance Now Available

Great News! Insurance for drivers of TNC / Ride Share companies like Uber and Lyft now have, in Oregon, a competitive commercial auto insurance option that fills in that gaps where the TNC insurance coverage leaves off! Call us or Click here to see if you qualify. Insurance for Taxis and Luxury (Black Car) sedans as well!

Oregon Auto Insurance Coverages

  • Mandatory Auto Insurance Coverages

    Oregon has four mandatory auto insurance coverages where most other states only require two: One. Bodily injury liability. You are responsible for paying for the Read More
  • Optional Coverages

    Optional auto insurance coverages include: One. Uninsured Motorist Property Damage. This covers your car if someone hits you who doesn't have insurance. It is option Read More
  • Personal Injury Protection (PIP)

    Your Oregon auto insurance pays for injuries you sustain in an auto accident whether you are at-fault or not. This coverage is call Personal Injury Read More
  • Comprehensive Coverage

    If you have full coverage on your auto policy, you will have Comprehensive Coverage. That means your car will be covered for things that might Read More
  • Collision Coverage

    If you have full coverage on your car insurance, you will have collision coverage. That means if you run into another car, train, bus, fence, Read More
  • 1 Mandatory Auto Insurance Coverages
  • 2 Optional Coverages
  • 3 Personal Injury Protection (PIP)
  • 4 Comprehensive Coverage
  • 5 Collision Coverage

Insurance for Mexico

Request a QuotePlanning a trip to Mexico in your car, truck, RV or on your motorcycle? Live in the Gresham, Oregon area? We offer insurance by the day or the year, liability or full coverage, while your vehicle is in Mexico. Call us at 503-693-2852 or complete this form for a free, no commitment quote. Read More

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Why is Motorcycle Insurance So Cheap?

The average motorcycle rider pays about $150 to $200 a year for liability insurance on a motorcycle in Oregon. The average car driver pays about 5 times that much per year. Why is it so much cheaper to insure a motorcycle?

First, Oregon allows you to reject or exclude medical coverage for the driver and passenger on a motorcycle policy. An auto insurance policy requires that you include medical coverage for the driver and each of the passengers. With the rising cost of medical expenses if you must go to the hospital, that makes a huge difference in how much the insurance company would have to pay if you are in an accident. Since you can reject that coverage on a motorcycle policy, the insurance company would not pay for any medical expenses should you get hurt in a motorcycle accident. We would assume you have a good health insurance policy through a private carrier or the Oregon Health Plan (OHP).

Next, chances are you are going to do less damage to the property of others with a motorcycle than you would if you hit someone with a car. The sheer size difference between a car or truck and a motorcycle says the motorcycle is going to suffer more damage. So, the amount of property damage the insurance company is going to have to pay on average is less than if you were driving a car.

The same goes for the injury you may cause riding a motorcycle. If you hit a car, the injury the passengers will sustain in that car will be very little to no injury at all. The rider will be more likely to be the one injured as there is very little metal protecting him.

Where motorcycle insurance can get expensive in a hurry is if you choose to put physical damage coverage on your sport bike or choose to include medical coverage because you have no health insurance. Then prices can range anywhere from $500 to $10,000 a year depending on the bike and the driving record of the insured.