If you live in Bend chances are good you like to work hard and play hard. Whether it's skiing Mount Bachelor or mountain biking Horse Ridge Loop, you're on the move and soaking up all nature has to offer. You probably also have a closet full of the right technical gear from brands-Marmot, North Face, Outdoor Research-that you know and trust to protect and perform just like you do. Shopping for Bend insurance quotes is no different. You want the right protection to be there when you need it most. But finding the right Bend insurance quotes at the right prices can be as challenging as a 100-mile run along the Deschutes. So sit back for once and relax. We'll crank the insurance pedals for you giving you a little technical know-how and a range of trusted options.
Your Health: A Risky Business
Getting Bend insurance quotes if you're an extreme skier, professional cyclist or B.A.S.E. jumper can be expensive, if not hard to find, considering your risky line of work. Fortunately, Oregon is at the forefront of health reform in protecting consumers. For example, Oregon requires insurance companies to use a modified community rating where rates are based on pooled rates (an insurer's entire business) rather than an individual's health or claims history.Bend Driving is Unpredictable
In Bend, you never know what the weather will bring. Snowstorm in May; hail in October. Driving in the Cascades can be particularly hazardous. That's why Oregon law mandates a host of minimum auto coverage:
- $25,000 per person/$50,000 per crash per bodily injures to other Bodily Injury.
- $20,000 per crash for Damage to the Property of others.
- $15,000 Personal Injury Protection
- Uninsured Motorist $25,000 per person/$50,000 per crash for Bodily Injury.
Saving on Bend Insurance Quotes for Your Car
Fortunately, even with all this required coverage, Oregon's average rates are reasonable compared to the rest of the country. According to the Insurance Information Institute the average 2007 premium was $723. But if you're like many Bend residents, your car is probably worth half of the recreational gear (bike, skis, kayak) you're carrying on your roof. To lower your premium think about a higher deductible, especially if your car is worth only a couple grand. Also, consider these other ways to lower your premium even more so you can afford that new all-mountain Intense.
- Insure two or more cars on a policy.
- Drive a car with airbags, anti-lock brakes, anti-theft devices.
- Complete a defensive driving course.
- Drive less annual miles; use a carpool.
Shopping for Bend Insurance Quotes
When you're shopping for Bend insurance quotes think of it like deciding which technical jacket to buy for spring skiing. You want something that is versatile and that will fit your budget. With NetQuote, you get versatility because they search from hundreds of insurers who are all competing for your business. This comparison allows you to pick the best product at the best price. It's free and will allow you to spend more time outside rather than calling around trying to find the best fit. Let's get shopping!