Your local insurance agent does a lot more than you might expect. We are paid a percentage commission by the insurance company set by contract. But, we also understand that if we are to attract and retain clients, we must provide the best service we can. These are the services we provide to you.

Binders have an expirationAnother difference between a binder and a certificate is that binders expire. An inception date and expiration date are listed on the face of the form. Typically, a binder lasts for thirty days and can be reissued for another thirty by most insurance companies if they are taking a long time to underwrite and issue a policy. A certificate doesn’t have an expiration date. It’s good for as long as the insured’s policy lasts and is required until the job or requirement time of the certificate holder is fulfilled.

For example, if you are a contractor and won a bid to build something, and your contract requires the project to be completed within three months, your liability insurance will cover you until completion. The certificate holder won’t care if you keep paying for your insurance after the job is done because they were guaranteed coverage through the duration; now it’s over. What you do with your liability policy is up to you. The same goes for an SR22 certificate. At the end of three years, the Oregon DMV will be satisfied that you have learned your lesson and won’t drive uninsured. But if you do, they will simply require another three years of proof that you are covered for liability insurance.

The journey begins with a quote. We will gather only the information we need to give you an accurate quote and nothing more.
Life changes constantly. Your insurance policy can too. Depending on the company, you can make changes yourself online or on an app on your phone, or you can call, text, or email us the changes.
A binder is a temporary policy. Sometimes a lender or dealer will want immediate proof of coverage beyond the ID card you carry in your wallet or car. We'll email them a binder anytime upon your request.
Claims Assistance
We'll help you through the process after you have had an accident or loss. Your ID card has the claims phone number, but you can call or text us from the road or as soon as it's safe if you are unsure what to do next.