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Category Archives: Oregon Insurance

Mike Dortch and the licensed agents of InsureDirect offer the lowest Oregon Auto Insurance rates. One call to our Oregon Auto Insurance Toll-Free Hotline will save you lots of time and money. Not only will we offer the lowest Oregon Auto insurance rates in Trenton NJ and the surrounding area, you don’t even need to leave the comfort of your home to obtain insurance coverage.

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All Oregon Auto insurance rates and all online car insurance products are bound for insurance coverage through our sister insurance agency’s appointment contracts, Combined Insurance Group, Ltd. Free Oregon Auto insurance rates provided both online and through our Oregon Auto Insurance Toll-Free Insurance Quote Hot-Line.




Updated (6/24/2012): Oregon auto insurance is mandatory with state law requiring each driver to have the following insurance coverage:

• Bodily Injury Liability
Minimum coverage limit for bodily injury liability in the state of Oregon is set at $25,000 per person, and $50,000 per accident.

• Property Damage Liability
Minimum coverage limit for property damage liability is set at $20,000.

• Personal Injury Protection (PIP)
This particular coverage is the state’s own version of no-fault insurance that provides the policyholder and his passengers cover in the event of an accident regardless of who is at fault, against medical expenses up to one year since the date of incident or up to $15,000 of expenses. Oregon auto insurance PIP coverage will also pay for loss income, essential services as due to disability, or funeral expenses with maximum benefit of $5,000.

• Uninsured Motorist Bodily Injury and Underinsured Motorist Coverage
This coverage will pay for the injuries and damages the policyholder had incurred in an accident in which the party is uninsured or underinsured.

As for the limits to the coverage mentioned above, if the expenses on injuries and damages exceed the limits, the policyholder will have to pay for the difference. It is in this case the most insurers will recommend to you to purchase coverage with higher limits.Driving without the required insurance coverage in the state of Oregon may result to fines, suspension of driver’s license, or impounding of vehicle.

Due to that fact, we urge you to check out getting more coverage than the bare minimum when buying Oregon auto insurance.

For particular information on your Oregon auto insurance needs, you may call toll free number (800) 807-0762. For your Oregon auto insurance quotes, you may simply enter your zip code in the Get Quotes box provided above.

Oregon auto insurance requirements start at 25/50/10. This means you must have Oregon OR auto insurance in the amount of $25,000 coverage for bodily injury liability per person and $50,000 coverage for bodily injury liability total per accident.

You are also required to carry at least $10,000 coverage for property damage liability total. If the damage to either people injured or auto damage/destruction exceeds these limits, you will be responsible for for the difference.

Oregon Car Insurance Will Increase For Texting/Driving

Texting while driving will raise your Oregon Car InsurancePost Date March 2, 2012 – With only two dissenting members, the Oregon Senate pushed forward new laws  last month which were originally proposed by the Senate’s  President proposing much more rigid penalties against drivers who are caught using there cellphones while driving a car  in the state of Oregon. Of course these new laws would involve law enforcement to issue a ticket which will cause an increase in the violators Oregon Car Insurance. The bill proposes to consider the act of using mobile phones while driving to be a more serious crime by increasing the fines set from the current $250 to $1,000. Since the infraction is so serious, your Oregon car insurance will increase dramatically.

There’s a new cost for Oregon Car Insurance if caught texting while driving

The Oregon Legislature  wants to treat Texting while driving  the same as a DUI. Of course a DUI will cause your Oregon car insurance payments to increase.  Most interesting  studies shows distracted driving, such as using your cell phone or texting can be more dangerous than drunk driving.  With that said it is appropriate the new proposed fines increase is closer to the penalties for drunk driving than running a stop sign.  Currently, Oregon has a legislation that took effect January 2010 prohibiting drivers from texting in a car under any circumstances.  The same is true for accepting a cell phone call on their cellphones while they are driving.  However, Oregon motorists are permitted to use hand-free accessories to take calls without any fear of there Oregon car insurance being effected.

From 2010 to 2012, Oregon law enforcement have already issued nearly 4,600 tickets for distracted driving which have increase the drivers Oregon car insurance. However, the number of citations issued on 2012 compared to that of 2010 has.  Further the cost of the penalties have been much tougher.   In 2010, there were only 1,012 citations issued while 2012 had 2,151 citations.  The increase in you Oregon car insurance should be a deterrent as well.


Michael E. Dortch
President &  Senior Agent
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

Oregon Auto Insurance Rates Subsidies Counterfeit Auto Parts

POST DATE October 25, 2012 – Many voters across the United States last night watched the 3rd and last  2012 Presidential Debate in Florida.  One of the subjects which was front and center for President Obama and Governor Romney was the subject of China and their unfair trade practices.  Beyond massive money manipulation which is a huge… Continue Reading

Oregon Auto Insurance Rates Vs. Consumer Credit

POST DATE OCTOBER 15, 2012 – Consumer credit has become a very important discount factor when shopping for the lowest Oregon auto insurance rates. Consumer credit can both help and hurt your chances of securing  you and your family better Oregon auto insurance rates than you currently have. Unfortunately, the economy over the last 4… Continue Reading

Fed Rolls Out Affordable Health Insurance Exchanges

Fed Rolls Out Affordable Health Insurance Exchanges

Monday’s Post 11/14/11 – The US Treasury with the Department of Heath and Human Service (HHS) has allocated more funds, for building out an affordable Insurance Exchanges.  Governors in most states received the first batch of $50 Million grants last year to commence plans on the Health Insurance Exchanges. This time round, thirteen States received $185 Million Dollars accompanied by… Continue Reading

Travelers Launches IntelliDrive Mileage-Based Auto Insurance

Travelers Launches IntelliDrive Mileage-Based Auto Insurance

Friday’s Post 10/28/11 –  Travelers Insurance Company has introduced a money-saving program for its auto insurance policy holders. IntelliDrive, is a mileage- based auto insurance product. This was primarily launched to help low- mileage drivers cut annual vehicle expenses starting with a reasonable price cut of up to five percent immediately upon enrollment. Moreover with an increase in mileage, more cut offs in… Continue Reading