Auto insurance

Get the car insurance coverage you need at a price you can afford. Serving all of Oregon, Washington, Idaho & Arizona

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. However, at the same time the wrong auto insurance coverage can leave you dealing with lawsuits.  If you need the right coverage see our team for your complimentary asset exposure worksheet.  This 5 minute worksheet can mean the difference between you having the right coverage during a claim and dealing with gaps that could cause you to loose everything you have worked so hard for.  We do this to make sure you don’t have too much insurance as well as too little.

At the Trevin Webb Insurance Agency we can help you find the right policy for your car by comparing your current coverage and options with what we recommend.   In addition to cars, we insure motorcycles, classic cars, motor homes, boats, Jet Skis and ATVs too.

Request a free online quote or contact us to get started.

How Much Auto Insurance Do You Need?

Our team understands the auto insurance needs of our customers.
Auto insurance requirements vary by state. In most states, to drive you must carry:

  • Liability coverage — to cover losses you cause others, or
  • No-fault coverage — to cover you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  • Both liability and no-fault coverage

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply.

We write insurance in Oregon, Washington, Arizona and Idaho and would be happy to help you ensure you have the right coverage for where you live.

Financing a Car?

To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

COLLISION INSURANCE

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually includes an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

COMPREHENSIVE INSURANCE (OTHER THAN COLLISION)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Every situation is unique — talk to us today to find out how to get the best value on auto insurance. Request a free quote or contact us.

Renters Insurance

Why do you need renter’s insurance? Rental properties, particularly apartments are thought-about risky once it involves potential claims. You share a building with plenty of individuals where fires, theft, and water harm are sometimes frequent. There are many potential risks and your property is in danger. The items you own are valuable and you should shield them from a loss. Besides, renter’s insurance in most cases is extremely inexpensive.

What will renter’s insurance shield against?

At the Trevin Webb Insurance Agency, we know the primary concerns with renting a home or apartment, and renter’s insurance protects you from a range of threats and dangers that would occur with a rented unit. Upon purchase of a renter’s insurance policy, you’re covering yourself against several things like theft, fire, vandalism, lightening, riots, aircraft, vehicles, smoke, falling objects, sudden and instant burst of water, electrical harm and a number of other problems that may happen either at your residence, in your car, or in a storage unit.

Selecting the right amount of renter’s insurance

At the Trevin Webb Insurance Agency, we can facilitate that your valuables are insured. Once you decide the amount of coverage you need, we can tailor a package to fit your renter’s insurance needs.

Renters Insurance Options

  • Personal Property coverage in case of fire, theft or damage.
  • Liability coverage for risk if you were found legally liable for damages.  Such as a dog bite or even if you were golfing and hit someone or something with a golf ball (Yes it happens).
  • Other coverage options also available

As with many kinds of insurance, your premium can rely on your location that you live, the amount of coverage, your deductible, your age, your risk assessment score etc. To recognize the worth of your valuables, keep receipts or take pictures. Some clients even take a video with their phone once a year as our stuff changes and we are constantly adding to it.

To ensure that your valuables can be protected, buying renter’s insurance offers you peace of mind and also the assurance that if something is lost, you may be ready to replace it. Contact us today and learn additional information regarding Renter’s Insurance.

Motorcycle Insurance

Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state.

Liability coverage

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.

Collision coverage

Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.

Comprehensive coverage

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.

Uninsured/Underinsured motorist coverage

Uninsured/Underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn’t have insurance (uninsured) or doesn’t have adequate insurance (Underinsured) to cover your damages.

This coverage typically pays for medical treatment, lost wages and other damages. If your uninsured/unerinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be purchased separately.

Tips for the cost-conscious rider

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

  • Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
  • Maintaining a good driving record with no violations will also help reduce your premiums.
  • In many northern states, riders may save money by buying a “lay-up” policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
  • Find out what discounts your insurance representative offers. Multi-bike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
  • Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.

Let The Trevin Webb Insurance Agency. help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business, or both, is our goal.  A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils.  We’re here to help when you are considering Motorcyle coverage.

Boat & Recreation Insurance

While cruising the water in your boat, Jet Ski, or Snow Mobile, the last thing you want to worry about is insurance. Contact us and let us take care of you. Then go back to fishing, sunbathing, or just relaxing on those cool, clear waters or the Snowy Mountain. We have a policy for most types of boats, Jet Ski’s, ATV’s,  including bass boats, cruisers, fishing boats, pontoons, runabouts, sailboats, catamarans and utility boats, Quad’s, Sand rails, Ski Doo’s, & Jet Ski’s.

Actual Cash Value

These policies pay for replacement costs less depreciation at the time of the loss. In the event of a total loss, used boat pricing guides and other resources are used to determine the Recreational vehicle’s approximate market value. Partial losses are settled by taking the total cost of the repair less a percentage for depreciation.

Agreed Amount Value

On most units if you ask for an agreed  amount we should be able to do this.  This type of policy means that you and your insurer have agreed on the value of your Recreational vehicle (in the event of a total loss) you will be paid that amount. Agreed Amount Value policies also replace old items for new in the event of a partial loss, without any deduction for depreciation.

Boat insurance, ATV, and other Recreational Insurance can also cover:

  • Bodily injury—for injuries caused to another person
  • Property damage—for damage caused to someone else’s property
  • Other driver liability—for any legal expenses incurred by someone using the boat with the owner’s permission
  • Medical payments—for injuries to the boat owner and other passengers
  • Theft

Skippers can obtain free advice and boating-safety courses from the U.S. Coast Guard Auxiliary. Upon request, the auxiliary will conduct a Courtesy Marine Examination (CME) on your boat, checking electrical and safety equipment and fuel hoses. Boats meeting safety standards are awarded the CME decal “Seal of Safety.”

Make sure that every person on board the boat wears a life-jacket.Know and obey marine traffic laws, the “Rules-of-the-Road.” Learn various distress signals.Keep an alert lookout for other watercraft, swimmers, floating debris and shallow waters.Pay attention to loading. Don’t overload; distribute the load evenly; don’t stand up or shift weight suddenly in a small boat; and don’t permit riding on the bow, seatbacks or gunwales.Don’t operate a boat while under the influence of alcohol or drugs.

Boat Safety

There are thousands of recreational boating accidents per year. Contributing factors to these accidents include traveling too fast for water or weather conditions, driving under the influence of drugs or alcohol, failing to follow boating rules and regulations, carelessness and inexperience.

To prevent boating accidents, we offer these safety suggestions:

Care and protection of your recreational Vehicle:

Check weather forecasts before heading out. Let someone know where you’re going and when you expect to return. Check engine, fuel, electrical and steering systems, especially for exhaust-system leaks. Carry one or more fire extinguishers, matched to the size and type of boat. Keep them readily accessible and in condition for immediate use. Equip the vessel with required navigation lights and with a whistle, horn or bell. Consider additional safety devices, such as a paddle or oars, a first-aid kit, a supply of fresh water, a tool kit and spare parts, a flashlight, flares and a radio.

Most companies offer liability limits that start at $15,000 and can be increased to $300,000. Typical policies include deductibles of $250 for property damage, $500 for theft and $1000 for medical payments. Higher limits may be available. Additional coverage can be purchased for trailers and other accessories. Boat owners may also consider purchasing an umbrella liability policy which will provide additional protection for their boat, home and car.

Riders should also inquire about special equipment kept on their unit, such as fishing gear, to make sure it is covered and verify that towing coverage is included in the policy.

Recreational owners should also inquire about discounts for the following:

Diesel powered craft, which are less hazardous than gasoline powered boats as they are less likely to explode Coast Guard approved fire extinguishers Ship-to-shore radios Two years of claims-free experience Multi-policies with the same insurer, such as a car, home or umbrella policy Safety education courses, such as those offered by the Coast Guard AuxiliaryU.S. Power Squadrons, or the American Red Cross.

Let Trevin Webb Insurance Agency help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business, or both, is our goal.  A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils.  We’re here to help when you are considering Boat/PWC coverage.

Umbrella Insurance

*****Under Personal Umbrella

Umbrella insurance is there to protect you if you are liable for something big. Similar to an umbrella, it is there to fill in coverage caps that you may have from your other insurance policies.

For example, if you’re in a big car accident and need to cover replacement and medical costs, umbrella insurance can help in these extra costs. Instead of just having your normal auto insurance coverage, Massachusetts umbrella insurance gives you the additional coverage you may need.

Umbrella Insurance (add umbrella picture that has (3 people, car, home))

Umbrella Insurance can assist in the claim and payment processes by covering costs when all other insurance is exhausted. This makes the handling of claims and payments made a much easier process. Baltic Insurance Agency can help find the right umbrella policy to fit their needs.

Contact us to find out more about umbrella insurance at 503-667-2820

Boat Insurance

At Trevin Web Insurance Agency , we can offer a wide variety of coverages and options for your boat, jet ski or personal watercraft. Some boats or smaller watercraft may even be covered under your current homeowners policy. The size, type and value of your boat, personal watercraft or jet ski will be part of the determining factors in evaluating your South Boston, Massachusetts insurance coverage needs.

Let one of our experienced agents give you the coverage you need and recommendations to best fit your situation. The following list some of the many coverages that we can offer:

  • Physical Damage Coverage – Adding this coverage to your policy protects your boat while in storage and during transport. This covers your boat as well when out of the water, including but not limited to: fire, lightning, vandalism or theft. You can also obtain emergency service reimbursement for expenses related to towing, labor or supplies.
  • Liability Coverage – This coverage will assist you in the event of a collision with another boat, dock or other boaters.
  • Personal Liability – protecting you or family member if you have an accident that causes injury to another person.
  • Medical Payments – covering medical expenses if you or someone in your boat is involved in an accident.
  • Property Damage – damage that may be caused to another persons property while operating your watercraft.