Making your Auto Insurance Payment

Almost every 15 minutes I get a call from an Oregon auto insurance customer that wants to pay their insurance with their credit or debit card (or even electronic check).  Often I am on the other telephone line, or I have a customer at my desk.  The customer leaves me a message to call them back, or they just hang up (I have caller ID).  This can result in numerous calls back and forth until we finally connect.  Remember Pulse Insurance is open from 9am to 5 pm Monday through Friday (and closed for lunch).

A better option would be to check your bill when it comes in the mail and call the toll free telephone number to pay by phone directly with the insurance company.  That way you can pay the bill when you have time, not when the agent does. Alternatively you can log onto the insurance company website to pay your bill.  Usually you will need your user name and password, or your policy number and zip code.

Sometimes people want to call the agent to make the payment so their debit card or checking account information isn't being put out on the internet.  The website I use to post electronic payments for customers is the exact same website they would go to and post the payment themselves.  There is no difference or extra layer of protection, secret website, or anything of that nature.

Consider making your payment on your time, anytime, and use the options available to you that don't require literally speaking to the agent:

  • Mail your check or money order directly to the company in the envelope they provide with your monthly bill,
  • Call the toll-free number included on your monthly billing (or on your ID card) to make your electronic payment,
  • Log onto your insurance company website to post your payment,
  • Set your auto insurance premium up on auto-draft.

If you must pay in the office, remember that checks will be electronically uploaded immediately on the insurance company's website.  As a result of rising bank and fuel costs, non-electronic payments made in the office require an additional $5.00 fee to cover the charges to Pulse Insurance associated with processing your payment through our bank.

Is SR22 Insurance in Oregon Expensive?

The question is better stated "Is the reason I need an SR22 in Oregon going to cause my car insurance to be expensive".  Believe it or not, it normally isn't the SR22 that is expensive.  What raises your auto insurance when you need an SR22 is actually the ticket you got in Oregon that requires the SR22 filing.

There are many reasons a person needs to file an SR22, so for this example I will use the ticket of driving while suspended.  If you got a ticket for driving while suspended, it probably was a pretty expensive ticket, plus the impound fees to the police department, plus the tow fees, and if you didn't have insurance you will need to pay your down payment for auto insurance.  Pretty expensive, and all at one time.  Or, if you can't come up with the money for all of this you can forfeit your car and hope the tow company gets enough when they sell it to pay their fees.  You will still owe for the ticket and city impound fees.

Insurance companies rate every type of ticket with what is referred to as "points" and these add up.  For example a speeding ticket is 1 or 2 points, depending on the insurance company and the number of speeding tickets you have.  A driving while suspended ticket on the other hand is anywhere from 3 to 5 points.  What raises your insurance premium in this situation specifically is your tickets.

When the insurance company files an SR22 for you for most companies there is a one time charge that is between $10.00 and $20.00 depending on which insurance company you have.  Not really a big deal.  Only one company we represent raises your premium on a monthly basis for the SR22, and we don't really know why.

An SR22 doesn't significantly raise your insurance rates and does not necessarily mean your insurance will be expensive.  It's the ticket that causes you to have an SR22 that should worry you more.

Give us a call at Pulse Insurance - 503-489-3143 - or stop by the office in the Powell Vista Shopping Center - 4239 SE 182nd AVE and SE Powell - directly across from McMenamins Highland Pub.

Is Progressive Snapshot a Tracker?

Car insurance with a tracker in it? No - there is not a GPS tracker in the Progressive Snapshot device, and it actually is kind of funny that people would think that. I mean I get the "big brother" argument, and can see why some people might be a little sensitive about that. But really? If you are worried about a device in your car that monitors what time of day you drive (and only cares if it is between midnight and 4 am), how hard you slam on the brakes, and how fast you push on the gas, but you don't care about the cell phone towers tracking your every move then there is something wrong. Insurance companies don't care WHERE YOU ARE, they care HOW YOU DRIVE and if it is the worst possible time of day for accidents.

If you are a driver in Oregon who would like to save up to 30% on your car insurance within a month, I suggest you give Snapshot a try. The worst that can happen is your driving is not quite what it needs to be (sorry) and you don't get the discount. They aren't going to increase your rate. If you have multiple tickets or an SR22 on your policy that discount could be big enough to make a difference. If you don't own your home, don't have prior insurance, have multiple tickets - this is your chance for a discount - take it!

Give one of us a call at Pulse Insurance in Gresham Oregon - 503-489-3143 - or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. - we love our customers to get discounts, and this is a fast one that everyone can qualify for!

Oh and be sure to go and "Like" us on Facebook!

I Want State Minimum Insurance Coverage

So you want to save money by lowering the Bodily Injury and/or Property Damage limits on your auto insurance policy.  Someone told you, or you did some research and discovered that the minimum legal limits in Oregon are $25,000 per person and $50,000 per accident for Bodily Injury and $20,000 per accident for Property Damage.  That's right, those are the legal car insurance limits in Oregon.

Ok, let's think about this for a minute.  $25,000 is the maximum the insurance company will pay for Bodily Injury for someone else (not you) involved in an accident where you are driving.  The maximum they will pay for the entire accident for all Bodily Injury is $50,000.  If you have these minimum limits, and the Bodily Injury as a result of the accident is $75,000, you pay the extra $25,000.  Most people don't want to do that.

Read more: I Want State Minimum Insurance Coverage

How Long Do I Have to Add a Car I Just Bought to My Insurance Policy?

Oregon auto insurance customers, including those with SR22's.  Just a gentle reminder to you all about adding cars to your auto insurance policy.  Please remember that each auto insurance company has their own rules about how long you have to add a car to your policy.  Give us a call at 503-489-3143 if you are a customer of Pulse Insurance, and we will help you find out.

Unless you have a non-owner auto insurance policy vehicles newly purchased are covered under your existing policy up to the number of days specified by your auto insurance company.  This can vary from immediate (for non-owner's policies) to 14 days.  Make sure you read your auto insurance policy.  They are mailed to every Oregon insurance policyholder.  Most people don't read them, but they represent the document that will determine how your policy works, and you should keep them in a safe place.

Many of our customers in Gresham and the Portland metro area , or anywhere in Oregon, seem to think they have 30 days to add a vehicle to their policy.  That is not necessarily true, read your individual policy.  Some of our companies only provide coverage for new vehicles for 14 days.  High risk or non-standard policies that already have a car on them could have as small as a four (4) day window to add a vehicle.  Always call and add your new vehicle as soon as possible.  Otherwise you may find yourself not covered in case of a claim or a moving violation.

Non-owner auto insurance policies do not offer even temporary insurance for a vehicle owned by you.  If you have a non-owner's auto insurance policy, call your agent or call directly to the insurance company and make sure you add the car as soon as you purchase it.  Even if it is over a weekend.  Then in the event of an accident you can at least prove you attempted to add the vehicle before the accident happened (calls are time and date stamped, so be aware if you try to add it after an accident and have it covered).

Call us at Pulse Insurance - 503-489-3143 - email us at This email address is being protected from spambots. You need JavaScript enabled to view it. - or stop on by at 4239 SE 182nd Ave Gresham Oregon - in the Powell Vista Shopping Center.