Lower Online Astoria Auto Insurance Prices With These Methods

If shopping for auto insurance online is new to you, it's easy to get confused by the sheer number of auto insurance companies selling insurance in Astoria.

It's important to price shop coverage periodically because insurance rates are constantly changing. Despite the fact that you may have had the best price a year ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you're about to learn one of the best ways to get good coverage at a lower rate.

This article will familiarize you with how to effectively get price quotes and some tricks to saving. If you have car insurance now, you will be able to lower your premiums substantially using this information. But Oregon drivers do need to know the way insurance companies compete online and apply this information to your search.

Oregon auto insurance quotes

Astoria Auto Insurance Comparisons

There are several ways to shop for auto insurance, but there is one way that is easier and takes less work. You can spend countless hours talking to insurance agencies in Astoria, or you could save time and use the internet to get the quickest rates.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company then returns a price quote. This prevents consumers from doing quote forms to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one downside to comparing rates this way is you are unable to specify the providers you want to price. So if you prefer to choose specific providers to compare rates, we have a page of auto insurance companies in Oregon. Click to view list.

Whichever method you choose, be sure to compare apples-to-apples coverage information on every quote you get. If you are comparing unequal deductibles or liability limits it will be impossible to determine which rate is truly the best in Astoria. Slightly different insurance coverages may result in large price differences. Keep in mind that comparing more company's prices provides better odds of finding the best offered rates.

Be sure to get all your discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but a few need to be specifically requested prior to getting the savings.

  • Bundle and Save - When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • College Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Drive Less and Save - Fewer annual miles can earn a substantially lower rate.
  • Driver's Ed - Have your child complete a driver education course if it's offered in school.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Life Insurance Discount - Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Sign Online - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts of more than 20%.

Drivers should understand that some credits don't apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it may seem like it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will help reduce the amount you have to pay.

To see a list of companies who offer auto insurance discounts in Oregon, click here.

How do I know if I need professional advice?

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone's needs are different.

For example, these questions may help highlight whether or not you would benefit from professional advice.

  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Oregon?
  • What are Oregon no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?

If you can't answer these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

Much more information about auto insurance in Oregon can be found on the Oregon Insurance Division website located here. Oregon consumers can view agent and company licensing information, file complaints about a company, and read enforcement actions against agents and companies.

Additional helpful sites include Wikipedia and this Astoria agent directory.