Adding 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.