Find Cheap Newport Car Insurance

Comparison shopping for Newport car insurance is a challenge for beginners to shopping for insurance online. Drivers have so many options that it can be a big hassle to find lower rates in Newport.

It's important to check car insurance prices before your policy renews because rates are constantly changing. Even if you think you had the lowest rates last year the chances are good that you can find a lower rate today. So forget all the misinformation about car insurance because you're going to learn the tricks you need to know to save money, get proper coverage and the best rates.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before being credited. If you're not getting every credit available, you're paying more than you need to.

Homeowners Pay Less - Owning a house in Newport may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
Accident Free - Claim-free drivers can save substantially as compared to bad drivers.
Safety Course Discount - Completing a driver safety course could save 5% or more and easily recoup the cost of the course.
New Car Discount - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
Discount for Swiching Early - Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of companies with discount car insurance rates in Oregon, follow this link.

Cheap Newport Car Insurance Comparisons

Finding cheaper car insurance prices is actually quite simple. Consumers just need to spend a little time to compare rate quotes provided by online insurance companies. This can be done using a couple different methods.

The best way to get quotes is a comparison rater form click to view form in new window. This method keeps you from doing separate quotation requests for every car insurance company. In just a few minutes this one form will get you price quotes from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
Another way to shop for car insurance online requires a visit to each individual company website and fill out their own quote form. For instance, let's say you want rates from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in Newport, click here.
The least efficient way of getting rate comparisons is driving to different Newport agent offices. The internet has reduced the need for local agents unless you require the trained guidance of a local Newport agent. You can, however, obtain prices from the web but buy from a local insurance agent and we'll talk about that later.

Whichever way you use, ensure you're using identical coverage limits for each comparison quote. If your comparisons have differing limits it's not possible to determine the lowest rate in Newport.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that play a part in calculating your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with lower car insurance prices.

Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, or theft. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you're willing to pay, the less your company will charge you for insurance.
Your stress level may be raising your rates - Jobs such as lawyers, architects and financial analysts tend to pay higher average rates because of high stress levels and lengthy work days. Conversely, occupations like farmers, engineers and retirees have the lowest average rates.
Do you need those extra coverages? - There are quite a few extra bells and whistles that you can buy on your policy. Coverages for vanishing deductibles, towing coverage and motor club memberships are examples of these. These may sound like a good investment when you first buy your policy, but if you don't need them eliminate them to save money.
Mature drivers pay less - Young drivers in Oregon have a tendency to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
High performance equals high price - The make and model of the car you own makes a big difference in determining your rates. The lowest rates are generally reserved for small economy passenger vehicles, but there are many factors that impact the final cost.
How's your driving record? - Your driving citation history has a lot to do with how much you pay for insurance. Good drivers have lower premiums than their less careful counterparts. Just one moving violation can increase rates by twenty percent. Drivers who have dangerous citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
Multiple policies with one company can save - Some companies will give a discount to policyholders who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount you still need to compare rates to make sure you are getting the best deal. Drivers may still find better rates by insuring with multiple companies.
Where you live can impact rates - Being located in a rural area can be a good thing when it comes to car insurance. City drivers have much more traffic and longer commute times. Less people living in that area means fewer accidents.

Save $429 a year? Really?

Consumers can't get away from ads for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you change to them.

How does each company make the same claim?

All companies can use profiling for the type of driver that is profitable for them. For example, a desirable insured could be a mature driver, is a homeowner, and drives newer vehicles. A customer who fits that profile receives the best rates and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards will have to pay higher prices which usually ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. That's why companies can truthfully claim big savings.

Because of the profiling, drivers must get as many comparisons as possible. Because you never know the company that will give you the biggest savings.

A tidy conclusion

Cheaper car insurance is attainable from both online companies and with local Newport insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Consumers leave their current company for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, delays in responding to claim requests or not issuing a premium refund. No matter why you want to switch, choosing a new insurance company is actually quite simple.

When trying to cut insurance costs, it's very important that you do not reduce coverage to reduce premium. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford.

Additional information can be found on the Oregon Insurance Division website located here. Consumers can report car insurance fraud, read industry bulletins, and discover disciplinary actions.