Proven Ways to Save on Newberg Car Insurance

Sick and tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as many other drivers in Oregon.

Because you have many insurance companies to choose from, it is very difficult to find the most affordable provider.

It's important to do rate comparisons before your policy renews due to the fact that insurance rates are constantly changing. Even if you got the lowest rates a year ago there is a good chance you can find better rates now. So just forget all the misinformation about car insurance because I'm going to teach you the tricks you need to know to remove unneeded coverages and save money.

Why some people pay less for insurance in Newberg

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get lower car insurance prices.

The following are a few of the "ingredients" companies use to determine your rates.

How many coverages with the same company - Many companies give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to comparison shop to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.
An active claims history can cost you - If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies in Oregon provide discounts to insureds who file claims infrequently. Auto insurance is intended for major claims that would cause financial hardship.
Big city or small town - Being located in a rural area has it's advantages when talking about car insurance. City drivers regularly have congested traffic and longer commutes to work. Fewer people means fewer accidents.
Teen drivers pay high rates - Youthful drivers in Oregon are known to be less responsible in a vehicle so car insurance rates are higher. Mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers.
Your spouse saves you money - Having a spouse can get you a discount when buying car insurance. Marriage is viewed as being more responsible and statistics show drivers who are married are more cautious.
Bump up deductibles to save - Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be collision with another vehicle, damage caused by hail, or theft. Your deductibles are the amount of money you are required to spend in the event of a claim. The higher the amount you're willing to pay, the less your company will charge you for insurance.
Please use or commuting - Driving more miles every year the higher your rates will be. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. Make sure your car insurance coverage properly reflects the proper vehicle usage.
Do men or women drive better? - The statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Women and men have accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high car insurance rates.

Cheap Newberg Car Insurance Comparisons

There are several ways you can shop for car insurance and some are less labor-intensive and much quicker. You can spend your afternoon talking to insurance companies in Newberg, or you could use the internet to get the quickest rates.

Most of the larger companies take part in a program that allows shoppers to complete one form, and each participating company can give them a price determined by their information. This eliminates the need for form submissions for each company you want a rate for.

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

The only drawback to doing it this way is you can't choose which providers you want to price. So if you prefer to pick specific providers to compare prices, we put together a list of companies who write car insurance in Oregon. Click to view list.

It doesn't matter which method you choose, just ensure you're using apples-to-apples information for each price quote. If your comparisons have higher or lower deductibles you can't possibly truly determine the lowest rate in Newberg. Just a small difference in coverages can mean a large discrepancy in price. And when price shopping your coverage, more quotes provides better odds of finding the best price.

How much can you save with discounts?

Auto insurance companies don't always list every available discount very well, so we break down both the well known and also the lesser-known car insurance savings.

Multi-policy Discount - If you insure your home and vehicles with one company you will save up to 20% off your total premium.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with certain companies.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
E-sign - Certain companies may give you up to $50 for buying your policy online.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.

As a disclaimer on discounts, most credits do not apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. So when it seems like it's possible to get free car insurance, car insurance companies aren't that generous.

To choose providers who offer car insurance discounts in Oregon, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads say the same thing about savings after switching to them. But how can every company claim to save you money? It's all in the numbers.

All companies can use profiling for the type of driver that makes them money. For example, a preferred risk might be between the ages of 30 and 50, is a homeowner, and has excellent credit. Any driver who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Drivers who don't meet this ideal profile will be charged higher premiums which usually ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That's why companies can truthfully make those claims. That is why you need to quote coverage with many companies. You cannot predict the company that will have the lowest rates.

Even more information can be found at the Oregon Insurance Division website. Visitors are able to read consumer alerts, download brochures, view agent and company licensing information, and read enforcement actions against agents and companies.

Other informative sites include Wikipedia and this Newberg agent directory.

Final considerations

While you're price shopping online, do not reduce coverage to reduce premium. Too many times, an accident victim reduced uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Cheap car insurance can be purchased both online and with local Newberg insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.