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Everyone wants to save money on their car insurance, Oregon drivers possibly more than most other drivers. The reason for that is that Oregon drivers pay some of the highest car insurance rates in the country.

If your car is being financed by a bank or other financial institution you may have only limited choices when it comes to comparing low cost auto insurance, but by comparing the rates offered by a variety of companies you can still save money - the rates offered for the same policy by different companies can vary by several hundred dollars a year, so taking the time to make the comparison can really pay off.

Start by writing down how much of a deductible you can afford to pay in case you have a claim, and what coverage amounts you will need based on the age of your car, and the area where you live. If you live and drive in an area with a lot of new and very high-priced cars you may wish to take out higher Collision limits than you would if you normally drive in an area where most peo (more...)

Most property buyers understand that a title search is necessary to be sure they are receiving a marketable title at closing. However, there are some title problems, which cannot be discovered even through the most thorough title search.

There are hidden hazards, which are beyond the scope of a reasonable search of title records. These include such things as: forgeries, fraud, errors by the Clerk s office in the recording of deeds, mechanics liens, defective foreclosures, faulty surveys, misinterpreted wills, conveyances by a minor or a mentally incompetent person, an undiscovered heir or ex-spouse who returns to claim interest, a deed delivered after the death of the property owner, and other issues.

A title insurance policy protects you from a loss, which would result from any of the title defects above, up to the policy amount.
A “Lender s” title insurance policy provides protection to the lender up to the loan amount. In the event of a claim a title insurer covering a l (more...)