Personal auto
Oregon’s minimum is a legal floor. Not a plan.
We write auto coverage for drivers across Eugene, Springfield, and the valley — and we re-shop it at renewal instead of letting it drift upward year after year.
Oregon’s statutory minimums. Your own limits are whatever your declarations page says — send it over and we’ll read it with you.
We shop it, you don’t
One set of answers goes out to the carriers who actually want your profile. You see the ones worth seeing.
Prior claims aren’t fatal
An accident or a lapse narrows the field, it doesn’t close it. Some carriers price that history far better than others.
Bundling is the real lever
Pairing auto with home is the single largest discount most carriers offer — usually 20–25%.
Re-shopped at renewal
Rates drift. We check yours against the market instead of assuming last year’s carrier is still the right one.
Questions we get
Common questions about auto insurance
What does Oregon actually require?
Liability of $25,000 per person and $50,000 per crash for bodily injury, $20,000 for property damage, $15,000 of personal injury protection, and uninsured motorist coverage at 25/50. Oregon is a PIP state, which is why that line shows up even on bare-minimum policies.
Is the minimum enough?
Rarely. A single hospital stay clears $25,000 quickly, and anything above your limit is collectable from you personally. Moving to 100/300 or 250/500 usually costs far less than people expect — often a few dollars a month.
Does a ticket or accident mean I can’t switch?
No. It changes which carriers will compete for you. That is exactly the situation where shopping a hundred carriers beats calling one.
How long does a quote take?
The online form is about a minute. We usually come back the same business day.
Also worth quoting
Home
Homeowners insurance for Eugene and Lane County.
Renters
Renters insurance for Eugene apartments, houses, and student rentals.
Life
Term and permanent life insurance through Core Insurance Group in Eugene, Oregon.
Boats, RVs & toys
Coverage for boats, RVs, motorcycles, ATVs, and trailers across Oregon — the coast, the dunes, and the McKenzie.
Get a quote in about a minute.
Answer a few questions and we’ll shop it across our carriers. A real person reviews every quote before anyone calls you.