5 Best Ways to Lower Car Insurance Costs in Canby

Shopping for the most affordable Canby car insurance on the internet can be rather challenging for beginners to comparing rates online. When there are so many online companies, how can consumers have a chance to compare every one to find the lowest price available?

It's important to get comparison quotes quite often since rates are constantly changing. Just because you found the best price a couple years back you can probably find a better price now. Ignore everything you know about car insurance because we're going to demonstrate the quickest way to reduce your cost while improving coverage.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Most are applied at the time you complete a quote, but a few need to be asked about prior to getting the savings. If you're not getting every credit you deserve, you are paying more than you should be.

  • Sign Online - A handful of insurance companies will give a small break just for signing your application over the internet.
  • 55 and Retired - If you're over the age of 55, you may receive a discount up to 10%.
  • Multiple Cars - Buying coverage for all your vehicles with the same company may reduce the rate for each vehicle.
  • Bundle and Save - If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
  • Government Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will bring down the cost of coverage.

To choose companies with discount car insurance rates in Oregon, follow this link.

How can State Farm, GEICO and Progressive save drivers who switch?

Consumers can't ignore all the ads for car insurance savings from companies such as State Farm, GEICO and Progressive. They all seem to say the same thing that you can save if you change your policy.

How does each company make the same claim?

All the different companies have a preferred profile for the right customer that makes them money. For example, a desirable insured could be over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay a more expensive rate which usually ends up with business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. This is how insurance companies can advertise the way they do.

Because of the profiling, you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is a little different.

For instance, these questions may help you determine whether you could use an agent's help.

  • Does medical payments coverage apply to all occupants?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • What are the best liability limits?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

More sites with car insurance information

More information can be found on the Oregon Insurance Division website located here. Consumers can get help finding coverage, read enforcement actions against agents and companies, and report car insurance fraud.

Other informative sites include this site for Oregon car insurance information and see this list of insurance agents in Canby.

Canby car insurance comparison

And the best car insurance company is...

Affordable car insurance can be sourced from both online companies in addition to many Canby insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, make sure you don't buy poor coverage just to save money. In many cases, drivers have reduced physical damage coverage only to regret at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at a price you can afford.

Consumers leave their current company for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, lack of trust in their agent or even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.