Nervous about Your Driving Test? Here’s How to Prepare

Your driving test is a big day and it’s perfectly normal to be a little nervous. However, you certainly don’t want to have to take your driving test in Canby, OR more than once, if you don’t have to. For this reason, here are few tips to prepare for your driving test so you pass it the first time.  

Don’t Procrastinate

If you put off preparing for the test until the last minute, your chances of failing increase. Start studying weeks before and be sure to do lots of practice driving with your learner’s permit. Ask a friend or family member to quiz you.  

Take the Test in the Morning

Schedule your test for a morning session when you are more alert and have more energy. During the afternoon, many people can become groggy. Not only that, the all day anticipation of waiting to take the driving test will only make you more nervous.  

Be Prepared to Fail

If you do fail, that’s ok. You get more than one chance. Although it’s not the outcome you wanted, you can do better next time.  

Get a Good Night’s Sleep

Going out until late at night or staying up late is not a good idea the night before taking your driver’s test. You really want to feel your best for this test.  

At Oliver Insurance, we love to insure new drivers. We serve drivers in the Canby, OR area and help them find the best auto insurance policy and savings for their particular driving situation. To reach Oliver Insurance and speak with one of our friendly and reputable insurance agents, call us at 503-266-2715 today.  
 

 

 

 

Review Your Auto Insurance for the Upcoming Travel Season

In some parts of the country, it’s looking like Spring. Even if it isn’t quite here in Canby, OR., vacation plans preoccupy many people. If you plan to hit the road this summer, prepare your car now. Getting your vehicle in shape goes a long way to preventing accidents and assuring a more enjoyable trip. Reviewing your auto insurance coverage with the independent agents at Oliver Insurance is a good place to start. We can make sure you’re getting all the discounts you have coming to you. We can also provide checklists in vehicle safety that will help you get ready for a great vacation.

For instance:

  1. The most important features on your vehicle are the braking system and the tires. These are what control your vehicle in an emergency and keep you on the road. Keep these in the best condition possible even if you have a scratch on your car or upholstery that you can’t repair right away.
  2. Be certain you are operating legally: keep your registration and proof of insurance handy. Don’t drive under the influence of alcohol. Use safety belts. Know the law and keep it.
  3. Plan your vacation ahead of time so you know routes and destinations. Using a GPS is a great way to stay on track, but know your route so you can spot trouble before your GPS steers you wrong.

Proudly serving the Canby, OR. area, Oliver Insurance not only provides auto insurance coverage, but we educate our customers so they can prevent accidents, injury, and misfortune. Contact us today at 503-266-2715 or use our online site for a quote for your auto insurance. You might qualify for discounts, and you’ll learn something new.

Got Into an Accident During a Test Drive – Who’s Responsible?

Test driving a vehicle is suppose to be a fun experience where you learn whether you could see yourself owning a particular vehicle. However, it’s necessary to understand what happens in the unfortunate event that you get into an accident during the test drive. Like most questions regarding auto insurance and personal liability, it’s hard to get a specific answer without talking to a knowledgeable person. Oliver Insurance serves the Canby, OR area and is able to provide more precise answers based on where you live and the insurance coverage you have.

Most of the time, if you’re test driving a vehicle, the dealership should have an insurance policy that protects every vehicle on its car lot. This holds true whether you’re test driving a new or used automobile. Because a test drive is usually only a short distance trip, the chance of an accident is low, and the dealership doesn’t mind using its insurance to cover any damage that may result from an accident that you’re involved in. However, if the dealership believes that the accident was your fault, then the company may try to get your insurance provider to cover the damage. For example, if a dealership sees a driver come in to test drive a high-powered sports car and notices that the driver speeds off the lot, the dealership is much more likely to try to pursue reimbursement for the damage to its vehicle in the case of an accident, especially if the accident appears to be the driver’s fault.

In conclusion, you’re most likely safe if you get into an accident while test driving a dealership’s car. However, because each situation is different, you can get more accurate answers to any questions you may have by contacting Oliver Insurance, which serves the Canby, OR area. Many situations are slightly different depending on where you live, which is why it’s important to talk with someone who has specialized knowledge about the area you live in.

How Much Auto Insurance is Enough?

When it comes to buying auto insurance, many variables should be considered. Ideally, you want enough coverage if it’s needed, but not so much that you go broke paying for it. Additionally, it is important to ensure that you meet legal requirements.  

State Requirements

Almost every state in the U.S. now requires automobile liability insurance coverage; New Hampshire is the only state that does not make it mandatory. The State of Oregon requires minimum liability coverage in the amounts of $25,000/$50,000/$20,000. This means your Canby, OR policy includes coverage of $25,000 per person, $50,000 per accident, and $20,000 per crash for property damage. Oregon law also mandates personal injury protection of $15,000 per person, and uninsured motorist’s coverage. 

What You Drive 

Aside from liability insurance, covering your vehicle in case of an accident or theft is prudent. The type of vehicle you drive should guide you to the proper coverage amounts. For instance, you don’t need as much insurance for a ten-year-old Buick as you would for a new Lexus.  Theft rates and collision repair costs are higher on newer vehicles and certain makes. You want to be sure you have adequate coverage in the event of a total loss.  Also, if your vehicle is financed or leased, GAP (loan-lease payoff) insurance is inexpensive, but a valuable add-on to your coverage.  

Resources 

Your personal resources are another consideration. If a car accident or theft would devastate your finances, carrying additional coverage, and keeping your deductibles low,  is wise. On the flip side, if you could absorb a loss of several thousand, raise your deductibles and pocket the money you save on premiums. Talk to the experts at Oliver Insurance in Canby, OR for guidance. 

 

Auto Insurers and the Use of Auto Trackers: What You Need to Know If You Are Considering a Policy That Utilizes One of These

There are some auto insurers out there who are allowing drivers to use telematics devices or auto trackers to possibly earn an auto insurance discount. The tracker can determine how many miles the car is driven, where the car is driven and if the driver is following safety laws, such as speed limits. If you are considering one of these devices to get a discount, here is some information you need to know.

Your Insurance Rate Can Actually Increase

One of the downsides, aside from giving up your privacy, is that your auto insurance rates can actually increase if you use one of these devices. If the insurance company sees that you frequently travel to an area with high car theft rates or accident rates or you are driving in what they view an unsafe manner, they have the right to increase your rate. So while you may be hoping for a decrease, you could actually end up with an increase.

Good Driver is an Arbitrary Term

Another downside is that good driver is an arbitrary term and only the insurance company knows exactly how they use the data to determine if you are a good driver and qualify for the discount. Some people may use the device only to find out that they don’t get any additional discount because the software doesn’t deem them a good driver.

If You Qualify, the Discounts Can be Substantial

While there are several downsides to using a tracker, there is a huge upside. If you qualify for the discount, the discount is often a substantial one. Some insurers will offer as much as 25 percent off your auto insurance rates if you use the tracker and use safe driving habits. If you are on a tight budget, this may make it a great deal for safe drivers.

If you are interested in learning more about telematics devices or are looking for alternative ways to possibly save on your auto insurance policy, contact Oliver Insurance, serving the greater Canby OR area. Stop by our office or call us to set up an appointment now.

 

What Does Car Insurance Cover When Towing A Boat In Canby OR?

Weekend warriors in Canby, OR who take to the lakes and reservoirs to fish, ski, or just spend time with family on the water may be in for a rude awakening if they are involved in an accident on the road and their boat or trailer is damaged. The fact is, most car insurance policies only cover the trailer. Even then, the coverage is not quite as extensive as what is on the vehicle towing the boat and trailer.

Just Because It’s Attached, Is It Insured?

Many people are under the assumption that if the boat and trailer are attached to their vehicle, they are both insured. In most cases, if your boat is damaged due to an accident you caused or damage that was caused by another vehicle, your losses will not be covered by your car insurance. If your boat comes in contact with another vehicle and causes any amount of damage, your insurance will not cover those particular damages and you will be responsible for them out of your own pocket.

Boat and Trailer Policies

If you plan on towing your boat on a regular basis, it’s a wise decision to purchase a policy specifically for your boat and trailer. This will fully cover both items while they are on the road and in the water. It’s an important safeguard that may prevent you from losing your boat completely or having to pay for extensive repairs that may result in financial hardship.

Talk to your local insurance agent at Oliver Insurance. The staff will help you determine what type of insurance you need, as well as how much coverage is best for your particular boat/trailer combo. Oliver Insurance serves residents who live in and around the Canby, OR area.

Top 5 Myths About Auto Insurance

Understanding the facts about auto insurance can help you from making a costly mistake. By distinguishing fact from fiction, you will get the most out of your policy and stay well protected in case of an accident.

Myth 1: Auto Insurance Rates Stay Low for Unreported Accidents

The biggest misstep many drivers make is to get into an accident and decide not to report the incident to their insurance companies. They are worried about their premiums increasing as a result of the fender bender. However, the other driver can at any time decide to file a claim against you as a result of the accident. Also, if a ticket was issued to you because of the accident, your insurance company may increase your rates.

Myth 2: Auto Insurance Policies Covers All Uses of My Vehicle

Under some policies, your insurer does not cover damages if the accident occurred while using the vehicle for business use. Your independent insurance agent can help steer you in the right direction when shopping for auto insurance. They will recommend a policy to keep you covered, no matter what.  

Myth 3: My Credit Doesn’t Matter for Auto Insurance Rates

An auto insurance provider wants to make sure you’re able to handle your financial obligation by paying your premiums on time. A good credit score can reduce your rates while a poor credit score may end up costing you more for coverage.

Myth 4: Older Cars Cost Less to Insure

Although the value of a car is factored into auto insurance rates, unusual cars with heavier engines and increased tonnage could cost more to insure. Another myth to consider is that the color of the car does not affect premium rates.

Myth 5: Older Drivers Pay More for Auto Insurance

When you’re over the age of 55, you may actually qualify for discounted rates through a car insurance provider.

Contact one of the agents at Oliver Insurance to discuss available auto insurance policies within the Canby, OR area.

 

Teen Drivers and What They Should Know

Allowing your teen to drive is something all parents fear. It doesn’t matter if you are in Canby, OR, or anywhere else. Car crashes are listed as the leading cause of death when it comes to teenagers. It is important that your teen driver is aware of all traffic safety precautions as well as personal safety issues.  Here are a few things to talk about with them.

Pay Attention

Distracted driving can be as bad or worse than drunk driving. Teens though are more susceptible to driving distracted than other age groups. When a teen is distracted, it can lead to a fatal crash. If you need to be on the phone for any reason, pull off the road before touching it. Don’t text and drive.

Don’t Drink and Drive

Driving under the influence is dangerous for anyone, but especially for teens. Make sure your teen understands the risk of driving under the influence as well as the risk of being in the vehicle with a driver who has been drinking. 

Look Twice

Make sure your teen knows to always check his blind spots. He should check all side view and rear view mirrors before changing lanes. Also, they need to remember that the other drivers on the road also have blind spots.

Buckle Up

Your teen should never be in a vehicle and not have their seat belt on. More than half of the people killed in car crashes were not wearing a seat belt. Aside from it being the law, it is also the most important thing you can do when it comes to protecting your life on the road.

As far as parenting goes here, you need to make sure that your teen is listed on your insurance before they get behind the wheel. To review your current policy, visit Oliver Insurance today.

 

 

 

 

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The Heightened Danger for Cyclicts

In nearly every way that an automobile accident can inflict damage, motorcyclists suffer a worse fate. It’s important that anyone who takes a motorcycle on the road understands the increased risk of bodily harm, vehicle damage, and insurance costs that they can expect in case they are involved in an accident.

Increased Risk of Bodily Harm

In a modern automobile, the occupants are protected by thoroughly safety-tested frames that are designed to compensate for the force of an accident with various systems like airbags and strategic crumpling. Even with these enhancements, automobile accidents resulted in over 30,000 deaths and many more casualties. A motorcycle has less bulk, affording it less space to implement the safety features seen in automobiles that are already struggling to prevent injuries. The National Highway Traffic Safety Administration has long considered motorcycles to be one of the single-most hazardous vehicles operated on roadways thanks to the limited amount of protection they offer to riders, even after the push for universal helmet laws came to fruition.

Increased Damage to the Vehicle

When a motorcycle is in an accident, there is a larger amount of vital equipment exposed to the impact than in conventional automobiles. A wreck that causes a broken window and a bent frame for a car could do enough damage to a motorcycle’s engine to require a full replacement.

Increased Insurance Liability

The cost of insuring a motorcycle will typically be over 40% higher than the cost of typical passenger vehicles before driver history is taken into account. On top of the costs of mechanical and medical services, a motorcycle accident can result in higher insurance premiums depending on the temperament of your provider. When that time comes, you’ll want to have a partner like Oliver Insurance in your corner.

Looking For A Family Car? Tips To Find A Great Used One

Picking a safe family car can be very expensive if you purchase it new. However, if you purchase it used, you run the risk of not getting a great car. When it is time to get a new family car, there are a few tips to finding the gem that you are looking for. Use these tips to find your next safe, affordable, and loveable family car.

  1. Consider Age and Price. When looking for a used family car, there is a balance to be found when it comes to age and price. The older the car, the less expensive it will be but just because the price tag is great does not mean the car is. Take a look at these things before making the purchase. 
  2. Have an Independent Mechanic Look At The Car. Before you make a purchase on a vehicle, make sure you take it to a local mechanic that you trust. Taking it to an independent mechanic is even better because they are more likely to give you the truth about the car instead of listing a lot of issues (that may not even exist) just to get your business if you buy it. 
  3. Don’t Get Emotional. This is a major purchase and it is best to not let your emotions get in the way of your decision. This can result in you getting the wrong car because you fell in love with the color. Keep your mind clear before the decision and get emotional after you make an educated decision.

When you do get a great new family car, contact us at Oliver Insurance serving Canby, OR, to find you a great insurance policy to protect the family vehicle and your family.