Car Insurance in Eugene, OR - 6 Discounts You Might be Unaware of

Are you overwhelmed by the sheer number of car insurance options in Eugene? Many other consumers are too. You have so many choices that it can turn into a big hassle to find better rates.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage in Eugene is not that difficult. But Oregon consumers do need to know the way insurance companies price online insurance and use this information to your advantage.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but there are discounts available that many people don't even know exist. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be specially asked for before being credited.

Fewer Miles Equal More Savings - Driving fewer miles can earn a substantially lower rate.
Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.
Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Multi-car Discount - Buying insurance for more than one vehicle with the same company qualifies for this discount.
Auto/Home Discount - If you insure your home and vehicles with one company you may save approximately 10% to 15%.
Passive Restraints and Air Bags - Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.

Consumers should know that some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, companies don't profit that way. But all discounts will cut the amount you have to pay.

To choose insurers offering car insurance discounts in Eugene, click here.

Is there truth in advertising?

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies have a common claim that you'll save big if you switch to them. How do they all claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of driver that makes them money. For example, a profitable customer might be a mature driver, has no tickets, and chooses high deductibles. Any new insured that hits that "sweet spot" 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 prices and this can result in the customer not buying. The ad wording is "drivers who switch" but not "drivers who get quotes" save money. That's the way companies can state the savings.

This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.

Find out more about car insurance

Much more information about car insurance in Oregon can be found on the Oregon Insurance Division website. Click here for link. Visitors are able to find disaster information, discover disciplinary actions, and read consumer alerts.

Do the work, save more money

Discount car insurance can be found both online and with local Eugene insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, never buy poor coverage just to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

We just covered a lot of techniques to save on car insurance. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with a smaller regional carrier.