Easy Ways to Cut Costs on Corvallis Car Insurance
Finding lower rates for Corvallis car insurance is difficult for consumers new to comparing rates online. People have so many options that it can quickly become more work than you anticipated to compare prices in Corvallis.
Be sure to get all your discounts
Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but some must be specifically requested before they will apply.
- Clubs and Organizations - Being a member of certain professional organizations could trigger savings when buying car insurance.
- Employee of Federal Government - Active or retired federal employment may qualify you for a discount depending on your company.
- Good Students Pay Less - Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
- Multi-car Discount - Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
- Auto/Life Discount - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
- Senior Citizens - If you qualify as a senior citizen, you may qualify for better car insurance rates.
As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.
Is there truth in advertising?
Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies make the same claim about savings if you switch to their company. How do they all claim to save you money? It's all in the numbers.
All the different companies can use profiling for the driver that earns them a profit. An example of a profitable customer might be over the age of 50, is a homeowner, and has excellent credit. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.
Consumers who don't measure up to the "perfect" profile must pay higher rates which leads to the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully make those claims.
This illustrates why you should quote coverage with many companies. It's just too difficult to predict the company that will have the lowest rates.
Learn more today
Additional information is available on the Oregon Insurance Division website found here. Visitors are able to find out which companies have the most complaints, download brochures, and file complaints about a company.
Affordable insurance is out there
Cheap car insurance is available both online and also from your neighborhood Corvallis agents, and you should be comparing both to get a complete price analysis. Some companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
Insureds switch companies for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, poor customer service and even lack of trust in their agent. Regardless of your reason, finding a new car insurance company is less work than it seems.
We just covered some good ideas how to reduce car insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a small mutual company.
