Defensive Driving and its Benefits

At H & R Insurance Group LLC, we feel it is our mission to provide quality, affordable car insurance and to make driving in the Portland, OR, area safer. One way we feel that is possible is by promoting defensive driving techniques.

What is defensive driving, and what are its benefits?

Defining Defensive Driving

Defensive driving promotes driver awareness to anticipate problems drivers may encounter on the road. This includes the actions of pedestrians, bicyclists, pets, emergency vehicles, and other drivers.

Simply put, it is avoidance of accidents by better anticipating what the other person may do.

What is Involved in Defensive Driving?

Defensive driving involves anticipating issues before they occur. For example, a child running between parked cars, a motorist accelerating to beat a red light, or a driver not fully stopping at a stop sign. The purpose of defensive driving is to anticipate and react to hazardous driving situations before they become a problem.

Benefits of Defensive Driving

Beyond reducing accidents and injuries, defensive driving can ultimately result in lower car insurance rates. Some companies may offer discounts for drivers who complete a defensive driving course.

Get a Quote Today

It is simple. Becoming a safer driver is one of the best ways to save on car insurance rates. Defensive driving can help you eliminate accidents and traffic citations.

If you are a driver in the Portland, OR, area, we encourage you to get a policy quote from H & R Insurance Agency LLC today. By answering a few questions, you may be able to find a better rate on your car insurance.

Want better car insurance rates? Drive defensively and contact H & R Insurance Agency LLC.

What Happens If You Stop Paying Your Auto Insurance? Nothing Good!

Have you ever wondered what would happen if you just didn’t pay your Portland, OR car insurance? It’s not a good idea because it could be severely costly for you financially and legally. Here’s what our team at H & R Insurance Group LLC can tell you about this idea.

You Get a Warning But Could Lose Your Policy 

Missing an insurance payment isn’t automatically going to get your policy covered. You typically get a warning from your provider that lets you know you missed it. You’ll have to pay more money to cover the next payment and might even pay a fee to get it back. 

Note that during this time, you won’t have coverage. As a result, you could get into serious trouble if you get into an accident. It’s a situation where you simply can’t afford to find yourself here, so it’s important to find ways to get your policy active to avoid any problems. 

Other Long-Term Issues 

The troubling thing about missing a payment is that yes, your coverage team could cancel your policy if they want. Furthermore, they could increase your premium or even get you put into a “high-risk” insurance bracket that costs more money. Some might even experience collections.

What if you’re leasing your vehicle? Could you lose it? Absolutely, and that’s a scary situation to be in as a driver. Furthermore, you could even get into real legal trouble if you get pulled over and don’t have insurance or if you get into a crash and are to blame for it. 

Get a Hold of Us

If you live in Portland, OR and need great car insurance, make sure that you call our team at H & R Insurance Group LLC to learn more. We can help you find a policy that suits your needs and will work hard to make sure that you’re happy with your options and satisfied with your coverage.

What optional auto coverage is right for you?

When you are getting your auto insurance, there are some required coverages you need to carry and others that are optional. In Portland, OR, H & R Insurance Group LLC has a team of agents dedicated to providing the highest level of customer service. We are independent agents who work for our customers, not for an insurance company.

The required auto coverage in Oregon is 25/50/20. This is strictly liability coverage. It is $25,000 for one person injured in an accident you are responsible for, $50,0000 for all the injuries in the accident, and $20,000 for property damage. This protects other drivers from you but doesn’t do much for you. If you lease a vehicle or have a car loan in which case you will need to cover the vehicle as well. 

Auto Insurance Add-ons


Collison covers your vehicle in an accident where you are responsible, whether it is a two-car accident, a one-car accident, or a hit-and-run. There will be a deductible, but the vehicle should be repaired or replaced. 


Comprehensive coverage is non-collision coverage. It includes all kinds of other things that damage your vehicle. Flooding, high winds, hail, vandalism, and even theft are all covered. It also offers glass coverage. Comprehensive coverage also has a deductible.

Total glass

Total glass coverage replaces your windshield or other glass with no deductible.

Gap coverage

If you have a new vehicle, it might be a good idea to have this coverage which will pay the difference between what the insurance company pays you for your vehicle and what you own on your auto loan. You don’t want to end up in the red. 

Consult With Us

Call H & R Insurance Group LLC  if you live in or near Portland, OR. We can provide the level of service and the options that you require.