Tightwads Tips for Saving on Keizer Auto Insurance
Have you had enough of not being able to afford each month for car insurance? Your situation is no different than millions of other consumers.
There are many to buy insurance from, and although it's a good thing to have a choice, it makes it harder to compare rates.
Finding affordable coverage in Keizer is easy if you know what you're doing. In a nutshell, every vehicle owner who is required by state law to have auto insurance stands a good chance to be able to lower their premiums. But Oregon consumers do need to know how the larger insurance companies sell online because it can help you find the best coverage.
Cheap Keizer Auto Insurance Comparisons
Performing a rate comparison can be exhausting if you don't know the easiest way. You could spend your day discussing policy coverages with insurance agencies in Keizer, or you can utilize the web to quickly compare rates.
All the larger companies participate in an industry program that allows shoppers to complete one form, and each company provides a quote determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.
To submit your quote information now, click here (opens in new window).
One minor caviat to getting quotes like this is buyers cannot specifically choose which companies to get quotes from. So if you prefer to pick specific insurance companies to request quotes from, we have a page of low cost auto insurance companies in Oregon. Click here to view list.
However you get your quotes, ensure you're using identical quote information for every quote you compare. If your comparisons have mixed coverages it will be impossible to determine the best price in Keizer. Slightly different insurance coverages can make a big difference in price. And when price shopping your coverage, quoting more helps locate a better price.
What determines how much you pay?
It's important that you understand the factors that play a part in calculating the rates you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.
- High numbers of claims are not good - If you frequently file small claims, you can definitely plan on higher rates. Companies in Oregon generally give lower rates to people who file claims infrequently. Insurance coverage is intended for major claims that would cause financial hardship.
- Do you work long hours in a high stress job? - Careers like judges, social workers and financial analysts tend to pay higher average rates attributed to stressful work requirements and lots of time spent at work. Conversely, occupations like farmers, engineers and retirees have the lowest average rates.
- Bump up deductibles to save - The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims would be running into the backend of another car, damage from fire, or theft. The more you're willing to pay, the less your company will charge you for insurance.
- Older drivers save more - Youthful drivers in Oregon have a tendency to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, file fewer claims and are safer drivers.
- Males pay more for insurance - The statistics show that women are safer drivers than men. Now that doesn't mean women are better drivers. They both have accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get more serious tickets like DUI and reckless driving.
- Cautious drivers pay less - A bad driving record has a lot to do with how much you pay for insurance. Good drivers receive lower rates than their less careful counterparts. Even a single ticket can increase rates by twenty percent. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
- Safer occupants lowers premiums - Vehicles with good safety scores get lower rates. The safest vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
- Don't buy coverages you don't need - There are quite a few extra bells and whistles that can waste your money when buying auto insurance. Coverages for vanishing deductibles, accident forgiveness and motor club memberships are some examples. They may seem like a good idea at first, but if you don't need them eliminate them to save money.
How much can you save with discounts?
Companies don't always advertise every discount very clearly, so we researched both the well known and the more hidden discounts you could be receiving.
- Drivers Education - Require your teen driver to successfully complete driver's ed class if offered at their school.
- Accident Free - Claim-free drivers pay much less when compared to frequent claim filers.
- Multiple Cars - Buying insurance for all your vehicles on one policy could earn a price break for each car.
- Distant Student - Youth drivers who are attending college and don't have a car can receive lower rates.
- One Accident Forgiven - Certain companies permit an accident without raising rates if your claims history is clear for a particular time prior to the accident.
- Air Bag Discount - Cars that have air bags may earn rate discounts of more than 20%.
- Low Mileage Discounts - Low mileage vehicles could be rewarded with a substantially lower rate.
- Safety Course Discount - Taking part in a defensive driving course could save 5% or more depending on where you live.
- Good Students Pay Less - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
- Club Memberships - Being a member of a qualifying organization may earn a discount when shopping for auto insurance.
Drivers should understand that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies wouldn't make money that way.
For a list of insurance companies with discount auto insurance rates in Oregon, click here.
More detailed Oregon auto insurance information is located at the Oregon Insurance Division website. Visitors are able to download brochures, read industry bulletins, report car insurance fraud, and read enforcement actions against agents and companies.
Do the work, save more money
Budget-conscious auto insurance can be sourced both online and with local Keizer insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not offer online quoting and these small, regional companies work with independent agents.
We covered a lot of techniques to lower your auto insurance rates. It's most important to understand that the more providers you compare, the better chance you'll have of finding lower rates. Consumers may even find the lowest priced auto insurance comes from an unexpected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like .