Easy Tips to Cut Costs on Cove Auto Insurance

Are you intimidated by the dozens of auto insurance choices in Cove? Many other consumers are too. Drivers have so many companies to choose from that it can turn into a ton of work to find the perfect company for you.

It's important to shop coverage around every six months since insurance rates are constantly changing. Just because you had the lowest price on your last policy you can probably find a better price now. Block out anything you think you know about auto insurance because you're about to learn the proper way to find better coverage at a better price.

Shopping for affordable coverage in Cove is easy if you know what you're doing. If you have insurance now or are shopping for new coverage, you will benefit by learning to find the best rates while maximizing coverage. Oregon consumers only need to know the tricks to get comparison quotes online.

Tips to Get Lower Cove Rates

Consumers need to have an understanding of some of the elements that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

  • Marriage pays dividends - Having a wife or husband can actually save you money when buying auto insurance. It translates into being more responsible and it's statistically proven that being married results in fewer claims.
  • Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. Your deductibles are how much you are willing to pay in the event of a claim. The more you have to pay, the less your auto insurance will be.
  • What type of vehicle do you drive? - The performance level of the car you own makes a significant difference in the rate you pay. The most favorable rates are generally reserved for low performance passenger vehicles, but the cost you end up paying is determined by many additional factors.
  • High credit ratings translate to low rates - Credit score is a large factor in calculating your auto insurance rates. So if your credit is lower than you'd like, you could save money insuring your by improving your rating. People with excellent credit tend to be more responsible than drivers who have poor credit.
  • Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, architects and stock brokers have the highest rates attributed to high stress levels and lots of time spent at work. On the other hand, professions such as actors, students and homemakers get better rates.
  • Don't buy coverages you don't need - There are many extra coverages that you can buy if you aren't careful. Things like roadside assistance, towing coverage and additional equipment coverage are examples of these. These may sound like a good investment at first, but now you might not need them so remove them from your policy.

Take advantage of discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but less common discounts must be inquired about prior to receiving the credit. If you don't get every credit possible, you are paying more than you should be.

  • Sign Online - A handful of insurance companies give back up to $50 for buying your policy online.
  • Homeowners Discount - Owning a house in Cove may trigger a auto insurance policy discount because owning a home shows financial diligence.
  • Early Signing - A few companies offer discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Air Bag Discount - Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Claim Free - Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Defensive Driver - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Bundle and Save - If you insure your home and vehicles with the same company you may save approximately 10% to 15%.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

To choose companies offering auto insurance discounts in Oregon, follow this link.

Are auto insurance companies telling the truth?

Oregon drivers can't ignore all the ads that promise big savings from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you switch your coverage to them.

But how can every company say the same thing?

All the different companies are able to cherry pick for the type of customer that makes them money. For instance, a desirable insured might be profiled as over the age of 50, has no driving citations, and has great credit. A propective insured who fits that profile is entitled to the best price and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay higher prices which usually ends up with business not being written. Company advertisements say "people who switch" not "people who quote" save that much money. That's the way companies can truthfully advertise the savings.

Because of the profiling, you should get a wide range of price quotes. It's not possible to predict which auto insurance company will fit your personal profile best.

Learn more about Oregon auto insurance

Additional information is located on the Oregon Insurance Division website through this link. Oregon drivers can get help finding coverage, report car insurance fraud, and learn about specific coverages.

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

And the best car insurance company is...

The cheapest auto insurance is available on the web as well as from independent agents in Cove, and you should be comparing both so you have a total pricing picture. There are still a few companies who don't offer online price quotes and most of the time these small, regional companies sell through independent agents.

Throughout this article, we presented many ways to save on auto insurance. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may even discover the biggest savings come from an unexpected company.

Consumers switch companies for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, high prices or even poor customer service. No matter why you want to switch, finding the right auto insurance provider is easier than you think.