Car Insurance in Bandon Oregon - 7 Discounts You Might be Unaware of

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, you are not the only one feeling buyer's remorse. Because you have many choices, it can be hard to find the best car insurance company.

Buying car insurance in Bandon is not that difficult. If you have insurance now or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maintaining coverages. Oregon consumers only need to know the tricks to get comparison rates online.

Compare the Market for Car Insurance in Bandon

Reducing your insurance rates is not a difficult process. You just have to spend a few minutes comparing rate quotes online from several insurance companies. This can be accomplished in several different ways.

The fastest way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing repetitive form entry for each company. Completing one form compares rates direct from many companies.
A more time consuming way to get quotes online is going to the website of each company and complete a new quote form. For example, let's say you want to compare rates from , and . You would have to visit each site and enter your information, which is why the first method is more popular.

To view a list of companies in Bandon, click here.
The least recommended method to compare rates is to drive around to insurance agents' offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the trained guidance of a licensed agent. However, consumers can find lower rates online and still use a local agent and we'll cover that in a bit.

It's up to you which method you use, but compare apples-to-apples coverage limits and deductibles on every quote. If you have different liability limits it's impossible to make a fair comparison in Bandon.

Save big with these seven discounts

Car insurance companies don't always advertise every discount very well, so we break down both the well known as well as the least known savings tricks you should be using. If you don't get every credit possible, you are paying more than you should be.

Driver's Ed - Cut your cost by having your teen driver successfully complete driver's ed class in school.
Defensive Driver - Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
Organization Discounts - Being a member of a professional or civic organization is a good way to get lower rates when shopping for car insurance.
Multi-car Discount - Insuring more than one vehicle with the same company may reduce the rate for each vehicle.

A little note about advertised discounts, most discount credits are not given the the whole policy. Some only reduce individual premiums such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, you won't be that lucky.

To choose insurance companies offering car insurance discounts in Oregon, click here to view.

Car insurance ads bend the truth

Consumers in Oregon can't ignore all the ads that promise big savings from companies such as State Farm, Allstate and GEICO. They all make an identical promise about savings if you switch your policy.

But how can every company claim to save you money?

Different companies are able to cherry pick for the right customer that makes them money. For example, a driver they prefer might be over the age of 50, has no tickets, and has a short commute. Any new insured who meets those qualifications will get very good rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile will be quoted higher rates and ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save that kind of money. That's the way companies can truthfully make the claims of big savings. This emphasizes why you need to compare as many rates as you can. It's just too difficult to predict which car insurance company will fit your personal profile best.

Even more information can be found at the Oregon Insurance Division website. Visitors are able to view a list of available companies, discover disciplinary actions, find out industry alerts, and file complaints about an insurance agent or broker.

Other informative sites include this site for car insurance rates in Oregon and this list of insurance agents in Bandon, OR.

Best coverage at the best price

The cheapest car insurance can be found both online in addition to many Bandon insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not provide online price quotes and these regional insurance providers work with independent agents.

As you shop your coverage around, do not reduce coverage to reduce premium. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.