Coverage on the road, on the trails, and on the water.
Most people buy auto insurance based on the cheapest monthly premium without understanding what they're actually buying. Let's break down exactly what those confusing numbers mean, in plain English.
When you look at your policy and see 25/50/25, it represents three specific coverage amounts (in thousands of dollars) if you are at fault in an accident:
💡 Think about it: The cost of a new truck today easily exceeds $50,000. Is $25,000 in property damage coverage really enough? If the damage exceeds your limit, they can sue you personally for the rest. Let's make sure you carry adequate limits.
Covers injury/damage you cause to others. Required by Oregon law.
Covers non-collision events: theft, fire, hail, vandalism, animal strikes.
Covers damage to YOUR vehicle in a crash, regardless of fault.
I aggressively shop these carriers to find your best rate:
Oregon is built for adventure. Let's make sure your toys are protected.
Often cheaper than standard auto because of lower property damage risks. However, the medical risk for the rider is significantly higher. Policies can cover your custom parts, safety gear, and accessories alongside standard comp/collision.
RVs combine features of auto and home insurance. Covers both motorized motor homes and towable trailers — accidents, theft, damage while driving or parked. Specialized options available for full-time RV residents living in their RV 6+ months a year.
Designed for Oregon's waterways. Covers the watercraft itself, the motor, the trailer, and any attached equipment from sinking, fire, storms, collisions, and theft.
Coverage for ATVs, dirt bikes, and side-by-sides. Protect your off-road toys against rollover damage, theft, and liability if you hit another rider on the trail.
We work with Hagerty and Grundy to secure "Agreed Value" coverage. If your classic car is totaled, you get the full agreed value — no depreciation, no arguments.
Yes, we insure these too! Don't leave highly specialized or expensive recreational equipment up to the broad coverage gaps of a standard auto policy.
Let's make sure it's covered properly before your next adventure.
Get a Recreational Quote