Grants Pass Car Insurance For Less Than You're Paying Now

Are you intimidated by the crazy number of car insurance companies in Grants Pass? Many other consumers are too. You have so many options that it can turn into a real challenge to compare prices.

More discounts equal less premium

Companies offering auto insurance don't always publicize all available discounts in an easy-to-find place, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

Clubs and Organizations - Belonging to certain professional organizations may earn a discount when buying car insurance.
Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.
Homeowners Discount - Owning a home in Grants Pass can save you money due to the fact that maintaining a home is proof that your finances are in order.
Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.

It's important to note that some credits don't apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you're out of luck.

Grants Pass Rates are Influenced by These Factors

Smart consumers have a good feel for the factors that help determine your car insurance rates. Understanding what influences your rates enables informed choices that could result in big savings.

Liability insurance protects assets - Liability coverage provides coverage if you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
Do you know your deductibles? - The deductibles represent how much money you are required to spend before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are colliding with a building, damage caused by hail, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be.
Older drivers pay less - Older insureds are more responsible, file fewer claims and tend to be better behind the wheel. Young drivers are known to be less responsible when behind the wheel therefore car insurance rates are much higher.
How's your driving record? - Whether or not you get tickets impacts your car insurance rates tremendously. Careful drivers have lower premiums compared to drivers with tickets. Even a single speeding ticket can boost insurance rates forty percent or more. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
Save money with special equipment - Choosing a vehicle with an alarm system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
Proper usage rating affects rates - Driving more miles in a year the more you'll pay to insure your vehicle. Most insurance companies rate vehicles based on their usage. Cars not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance coverage is showing the proper vehicle usage.

Switch companies and save? Really?

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies have a common claim that you can save after switching to their company. How do they all make the same claim?

All the different companies are able to cherry pick for the driver that earns them a profit. For example, a profitable customer could be between 30 and 50, has no driving citations, and has excellent credit. A customer that hits that "sweet spot" will qualify for the lowest rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile must pay more money and this can result in business going elsewhere. The ad wording is "customers that switch" not "everyone that quotes" save that much. That's the way insurance companies can make those claims. This illustrates why drivers should get a wide range of price quotes. Because you never know which car insurance company will have the lowest rates.

Learn more about Oregon car insurance

Additional detailed information can be found at the Oregon Insurance Division website. Consumers can find out which companies have the most complaints, report car insurance fraud, and read enforcement actions against agents and companies.

Affordable insurance is out there

Lower-priced car insurance can be bought from both online companies and also from your neighborhood Grants Pass agents, so compare prices from both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, never skimp on coverage in order to save money. In too many instances, someone sacrificed physical damage coverage only to discover later they didn't purchase enough coverage. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

We just showed you a lot of ways to reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the best prices are with some of the lesser-known companies.