How Do I Make a Change to My Auto Insurance Policy?

Self Service Auto Policy Changes

If you have one of the following companies through us, click on the appropriate icon to take you to their client area. You will have to set up an account with them. Have your policy number ready. Need help? Call us at 503-489-3143 and we will help you through the process. We are always encouraging all the companies we represent to make your access to your policies easier. Keep your username and password safe for the next time you go back to make a change.

Alpha Property and Casualty Insurance Company
Kemper Specialty
Financial Indemnity Company (FIC)

Click Set Up if you are setting up your change account for the first time.


Click Set Up if you are setting up your change account for the first time.

Is it Hard to Take Off a Car from My Oregon Auto Insurance Policy?

Deleting or removing a car from your car insurance is as simple as your signature on a piece of paper authorizing us to take the car off your policy. Just a phone call isn't good enough, unfortunately. We need proof on file that you did, in fact, request that car be deleted.

There are lots of reasons why we need the signature. Let's say you sold the car but got it back and forgot to tell us to put it back on the policy. Or, the most common problem is you didn't sell the car, it was broken down or you just weren't using it for a period of time. Let's say you fixed it or for some reason you needed to use it in a hurry. We just don't want any misunderstanding and for your protection and ours we need something documenting your decision to remove the car from your policy.

Keep in mind that if you wish to delete a car from your policy that you anticipate the premium payment change will not take affect until the next billing cycle. What this means is that if there is a bill already outstanding based on this car still on the policy that you will probably still owe the whole premium until they give you credit for having taken the car off. That's right. If you call up today to remove a car and your bill is due today, don't expect to be able to pay a lesser amount because you are deleting a car. The computer system with most insurance companies needs time to make the change in the system to adjust the bill for next billing cycle.

Please call us at 503-489-3143 if you have any questions about how making changes to your policy will affect your premium and what are the requirements for adding and deleting cars from your policy.

Is it Easy to Add a Car to My Oregon Auto Policy?

Easy to Add a CarAdding a car to your policy is easy. If it is a car you just purchased you can email, fax or bring us the title signed off to you and a bill of sale or the purchase order from the dealership. The title from the previous owner must be signed and dated in ink. That starts the 30 day clock ticking to get the vehicle registered to your name. If you want "full coverage" (meaning you want to include comprehensive and collision) photos of the vehicle will be required. Some insurance companies in Oregon require photos just to get Uninsured Motorist Property Damage coverage. That's the coverage where your car is covered if it's not your fault and the other guy doesn't have insurance or you don't know who it is who hit you.

The hardest part about adding a vehicle to your policy is that you often will ask, "How much does adding a car to my policy change the premium?" To answer that question depends on which insurance company you have. Some companies have invested a lot into the automation of their interactive website when we upload the change to your policy and it will predict or calculate the revised premium on the spot. Other companies will calculate the premium when they make the change in the system and we will be able to tell you what the new premium is after they issue the new policy with your new car on it. We will do everything we can to give you an accurate mid-term quote of the changes to your policy. Just remember, often it is only a guess based on what we already know about the other car or cars on your policy.

At Pulse Insurance either Shelly or Agent Charlotte will be happy to assist you, either by phone (503-489-3143) or email (This email address is being protected from spambots. You need JavaScript enabled to view it. or This email address is being protected from spambots. You need JavaScript enabled to view it.).