Molalla Auto Insurance For Less Than You're Paying Now

Searching for affordable Molalla auto insurance online is difficult for consumers new to comparison shopping online. With so many companies competing online, how can you have a chance to compare the different rates to find the cheapest available price?

auto insurance in Molalla

Are you getting all your discounts?

Companies do not list all available discounts in an easy-to-find place, so the following is a list of both the well known as well as the least known discounts you could be receiving.

  • Defensive Driving Course - Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Student Driver Training - Require your teen driver to enroll in driver's education in high school.
  • Fewer Miles Equal More Savings - Keeping the miles down could qualify for a substantially lower rate.
  • Accident Waiver - A few companies will forgive one accident without raising rates so long as you haven't had any claims prior to the accident.
  • Auto/Home Discount - When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, auto insurance companies aren't that generous.

For a list of insurers with the best auto insurance discounts in Molalla, click here.

Where Can I Get Cheap Molalla Auto Insurance?

Most major insurance companies such as 21st Century, Allstate and State Farm provide pricing online. This process is pretty easy as you just enter your required coverages as detailed in the form. Once entered, the system will obtain credit information and your driving record and quotes a price based on these and other factors.

Online price quotes makes comparing rates easy, but having to visit many different websites and fill out multiple forms is monotonous and tiresome. But it's very important to have as many quotes as possible if you want to find the best price on auto insurance.

A more efficient way to compare auto insurance pricing uses one form that gets prices from several different companies. The form is fast, eliminates form submissions, and makes rate comparisons a lot less work. Once the form is submitted, it gets priced and you are able to buy any of the quotes that you receive. If a lower price is quoted, it's easy to complete the application and buy the policy. The whole process can be completed in less than 10 minutes and you'll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you input your coverages identical to your current policy. This helps ensure you will have a fair comparison based on identical coverages.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there is no perfect coverage plan. Everyone's needs are different.

For instance, these questions can help discover whether you could use an agent's help.

  • Should I rate my vehicle as pleasure use or commute?
  • Who is covered when they drive my vehicle?
  • Is rental equipment covered for theft or damage?
  • Is my vehicle covered for flood damage?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?

If you can't answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don't have a local agent, fill out this quick form.

Shop smart and save

Cheap auto insurance is possible both online and with local Molalla insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice full coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Drivers who switch companies do it for a number of reasons such as delays in responding to claim requests, delays in paying claims, extreme rates for teen drivers and denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.