How to Know You're Spending Too Much for Auto Insurance in Oregon City

Having to pay for overpriced auto insurance can empty your savings account and put the squeeze on your family's finances. Comparison shopping is free and is an excellent way to help make ends meet. There are many to buy insurance from, and though it is a good thing to have a selection, it makes it harder to compare rates.

This article will help you learn how to get online quotes and some money-saving tips. If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Oregon consumers only need to know the most efficient way to shop their coverage around on the web.

Free Quotes for Auto Insurance in Oregon City, Oregon

Most companies like Allstate, GEICO and Progressive provide prices for coverage online. Getting online rates is fairly straightforward as you just enter your coverage information into the quote form. When the form is submitted, the company's rating system will obtain credit information and your driving record and provides a quote determined by many factors. Quoting online makes comparing rates easy, but the work required to visit many different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to do this if you want to find a lower rate.

A quicker way to locate the lowest prices uses one simple form to get prices from several different companies. It's a real time-saver, eliminates form submissions, and makes quoting online much easier. After sending the form, it gets priced with multiple companies and you can pick any one of the quotes returned.

If a lower price is quoted, you can simply submit the application and buy the policy. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

To save time and find out how much you're overpaying now, click here and complete the simple form. To compare your current rates, we recommend you enter the coverage information as close as possible to your current policy. This ensures you will receive a fair comparison for similar insurance coverage.

More discounts equal less premium

Insurance can cost an arm and a leg, but there are discounts available that you may not know about. Certain discounts will be applied when you quote, but lesser-known reductions have to be manually applied prior to getting the savings. If you're not getting every credit you deserve, you're paying more than you need to.

  • Multiple Cars - Having all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Save over 55 - Mature drivers may receive reduced rates.
  • Paperless Signup - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Good Student Discount - 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.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Safety Course Discount - Completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down your premiums.

To see a list of insurers with discount auto insurance rates in Oregon, click this link.

It's not one size fits all

When choosing adequate coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's needs are different so this has to be addressed. Here are some questions about coverages that may help you determine if you might need an agent's assistance.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered if I wreck a rental car?
  • Does my personal policy cover me when driving my company car?
  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Oregon?
  • Should I buy additional glass protection?
  • Are my tools covered if they get stolen from my vehicle?

If it's difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Additional information can be found on the website for the Oregon Insurance Division located here. Oregon consumers can report car insurance fraud, read enforcement actions against agents and companies, find out which companies have the most complaints, and get help finding coverage.