7 Guaranteed Tricks to Lower Car Insurance Costs in Lyons

I can't think of anyone who looks forward to paying for car insurance, especially when they are paying too much. Big companies like GEICO and Progressive persitently shower you with ad campaigns and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to take a look at other company's rates occasionally since rates are constantly changing. Just because you found the lowest price last year there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about car insurance on the web, but I'm going to show you some great ways to reduce your car insurance bill.

If you have a policy now or need new coverage, you will benefit by learning to find better prices and still get good coverage. Finding affordable coverage in Lyons is quite easy. Oregon drivers only need an understanding of the most effective way to compare company rates on the web.

Finding Car Insurance Deals in Lyons, OR

There are several ways to shop for car insurance, and some are easier and takes less work. You can spend your afternoon discussing policy coverages with insurance agencies in Lyons, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and each company then returns a price quote for coverage. This saves time by eliminating quotation requests to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The single downside to comparing rates this way is you are unable to specify which providers you want to price. If you would rather choose specific insurance companies to compare rates, we have a listing of the cheapest car insurance companies in Oregon. Click here to view list.

It's up to you which method you use, but make absolute certain that you use exactly the same quote information on every quote you get. If you use mixed coverages you will not be able to determine which rate is truly the best in Lyons.

Be sure to get all your discounts

The price of auto insurance can be rather high, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but a few must be asked for prior to getting the savings. If you aren't receiving every discount you qualify for, you are paying more than you should be.

Bundle and Save - If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
Theft Prevention System - Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
Organization Discounts - Belonging to a civic or occupational organization is a good way to get lower rates on car insurance.
Federal Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Anti-lock Brake System - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
College Student - Kids in college who are attending college and don't have a car can receive lower rates.
55 and Retired - If you're over the age of 55, you may receive better car insurance rates.

It's important to understand that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts will reduce the amount you have to pay.

To choose companies with discount car insurance rates in Lyons, click here to view.

Is there truth in advertising?

Consumers can't ignore all the ads for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to make an identical promise of big savings if you change to their company.

How can each company make the same claim? This is how they do it.

All the different companies have a certain "appetite" for the driver that makes them money. For instance, a desirable insured could be a mature driver, owns a home, and has great credit. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will have to pay a higher premium and ends up with business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can confidently advertise the savings.

Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

How do I know if I need professional advice?

When buying the best car insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different so your insurance should reflect that For example, these questions might point out whether or not you would benefit from professional advice.

What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Do I qualify for additional discounts?
Am I covered if I drive in a foreign country?
Do I need PIP (personal injury protection) coverage in Oregon?
Why does it cost so much to insure a teen driver in Lyons?
Am I covered by my employer's commercial auto policy when driving my personal car for business?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Additional car insurance information is located on the website for the Oregon Insurance Division. Click here for link. Consumers can view agent and company licensing information, read consumer alerts, find out which companies have the most complaints, and download brochures.

A tidy conclusion

As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured cut collision coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage for the lowest price.

Low-cost car insurance can be sourced from both online companies and also from your neighborhood Lyons agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide online price quotes and most of the time these small, regional companies sell through independent agents.