Free Guide to Saving Money on Independence Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, you're not the only one.

Numerous battle for your insurance dollar, so it can be very hard to choose a and uncover the absolute lowest price

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Buying car insurance in Independence is easy if you know what you're doing. But Oregon drivers do need to know how companies price insurance differently.

Independence Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that will entitle you to lower auto insurance prices.

The following are some of the items auto insurance companies consider when setting prices.

Do you have a high stress job? - Did you know that where you work can have an impact on rates? Careers like real estate brokers, architects and accountants tend to have higher rates than average due to stressful work requirements and lengthy work days. On the flip side, professions such as actors, athletes and performers receive lower rates.
Don't buy coverages you don't need - There are a ton of extra coverages that can waste your money on your auto insurance policy. Coverages like roadside assistance, accident forgiveness and term life insurance are examples of these. They may seem like a good idea initially, but if they're wasting money get rid of them and save.
Where do you drive? - Driving more miles in a year the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance coverage is showing the proper vehicle usage.
Don't sacrifice liability coverage - Liability coverage provides coverage when a court rules you are at fault for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
Adjust deductibles and save - Your deductibles define the amount you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and burglary. The more expense you are required to pay out-of-pocket, the less your auto insurance will be.
With age comes lower rates - Older insureds are more cautious drivers, tend to file fewer claims and receive fewer citations. Teen drivers are known to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
Credit scores impact auto insurance rates - Having a bad credit history is a big factor in calculating your auto insurance rates. So if your credit history is not that good, you could save money insuring your by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but some may not be applied and must be specifically requested prior to receiving the credit.

No Accidents - Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
Organization Discounts - Participating in certain professional organizations could qualify you for a break when shopping for auto insurance.
Multiple Vehicles - Insuring multiple vehicles with the same company can get a discount on all vehicles.
Save over 55 - If you're over the age of 55, you may be able to get better auto insurance rates.
Passive Restraints - Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
Distant Student - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Discount for New Cars - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
Federal Government Employee - Employees or retirees of the government can save as much as 8% with a few auto insurance companies.

Drivers should understand that most credits do not apply the the whole policy. Some only reduce specific coverage prices like comp or med pay. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will cut your overall premium however.

To choose insurance companies who offer auto insurance discounts in Independence, follow this link.

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing that you'll save big after switching to their company. How do they all make almost identical claims? It's all in the numbers.

All companies are able to cherry pick for the driver that makes them money. A good example of a driver they prefer could possibly be between 25 and 40, has no tickets, and has excellent credit. A customer getting a price quote who fits that profile will get very good rates and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save that much. That's the way companies can make those claims.

This emphasizes why you should quote coverage with many companies. It's impossible to know which auto insurance company will have the lowest rates.

Much more information about auto insurance in Oregon can be read on the website for the Oregon Insurance Division found here. Oregon consumers can read industry bulletins, discover disciplinary actions, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

The best insurance company isn't always the cheapest

Budget-conscious auto insurance can be purchased online and also from your neighborhood Independence agents, so you should compare both so you have a total pricing picture. Some companies may not provide online price quotes and these small insurance companies work with independent agents.

While you're price shopping online, never buy poor coverage just to save money. There are too many instances where an insured dropped full coverage and found out when filing a claim they didn't purchase enough coverage. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.