Tightwads Instructions on Saving on Myrtle Point Auto Insurance

Have you had enough of being strong-armed each month for car insurance? You are no different than millions of other consumers.

Lots of contend for your business, so it's not easy to compare every to find the absolute lowest rate

It's important to check auto insurance prices once or twice a year because prices are constantly changing. Even if you got the lowest price two years ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the only way to reduce your cost while improving coverage.

If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Buying car insurance in Myrtle Point is easy if you know what you're doing. But Oregon consumers do need to know the methods companies use to price online insurance because it can help you find the best coverage.

Take advantage of discounts

The cost of insuring your cars can be expensive, but there are discounts available that many people don't even know exist. Most are applied at quote time, but less common discounts must be specially asked for in order for you to get them.

  • Senior Citizens - If you qualify as a senior citizen, you may qualify for reduced rates.
  • Military Rewards - Having a family member in the military could mean lower rates.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Drive Less and Save - Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • One Accident Forgiven - A few companies will forgive one accident before your rates go up as long as you don't have any claims for a set time period.
  • Passive Restraint Discount - Factory air bags can get savings of more than 20%.
  • Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Clubs and Organizations - Being a member of certain professional organizations could trigger savings on auto insurance.

Consumers should know that most discount credits are not given to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way. But all discounts will cut your overall premium however.

Myrtle Point auto insurance comparison

Are auto insurance companies telling the truth?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to make the same claim that you'll save big if you switch to them. How do they all claim to save you money?

Insurance companies can use profiling for the type of driver that earns them a profit. For instance, a desirable insured might be over the age of 40, has no tickets, and chooses high deductibles. A customer getting a price quote who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will have to pay more money which leads to the customer not buying. The ads say "customers that switch" not "people who quote" save money. That's why companies can state the savings.

Because of the profiling, you should get as many quotes as possible. It's impossible to know the company that will give you the biggest savings.

More Oregon auto insurance information

Much more information about auto insurance in Oregon is located on the website for the Oregon Insurance Division located here. Visitors are able to learn about insurance regulations, view a list of available companies, read consumer alerts, and discover disciplinary actions.

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Do the work, save more money

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at a price you can afford.

Discount auto insurance can be found both online and with local Myrtle Point insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.