Proven Ways to Save on Oregon Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say you're not the only one. You have so many to pick from, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around at least once a year because prices are constantly changing. Even if you got the best rates a year ago you can probably find a lower rate today. Don't believe everything you read about auto insurance online but we're going to give you some great ways to find affordable auto insurance.

Oregon auto insurance quote

Quick Oregon Auto Insurance Quotes

There are multiple methods to compare auto insurance prices but there is one way that is less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance companies in Oregon, or you could use the internet to get prices fast.

The majority of car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and each participating company can give them a price for coverage. This eliminates the need for quote requests to each individual auto insurance company. To submit your quote information now, click to open in new window.

The one disadvantage to comparing rates this way is you cannot specify the providers you want to price. So if you want to select specific insurance companies to compare rates, we put together a list of companies who write auto insurance in Illinois. Click here for list of insurance companies in Illinois.

Which method you use is up to you, but compare identical coverage limits and deductibles on every quote you get. If you use different liability limits then you won't be able to determine which rate is truly the best in Oregon.

Don't pay full price with these discounts

Car insurance is not cheap, buy you may qualify for discounts that many people don't even know exist. Some trigger automatically when you quote, but some may not be applied and must be specifically requested before you get the savings. If you're not getting every credit possible, you're paying more than you need to.

  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • E-sign - A handful of insurance companies may give you up to $50 for buying your policy over the internet.
  • Discount for Good Grades - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will bring down your premiums.

To see a list of providers offering auto insurance discounts in Illinois, follow this link.

Find out more about auto insurance

Additional information can be read on the website for the Illinois Department of Insurance found here. Visitors are able to read consumer alerts, discover disciplinary actions, find out industry alerts, and file complaints about an insurance agent or broker.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Oregon agent directory.