Tightwads Instructions on Saving on Pilot Rock Car Insurance

No one in their right mind cherishes buying car insurance, particularly when the price is too high. Lots of contend for your insurance dollar, and it can be difficult to compare rates to find the lowest price

Pilot Rock Car Insurance Quote Comparison

There are multiple methods to shop for car insurance, but some are more efficient than others. You could spend your day driving to agents in Pilot Rock, or you could use the internet to accomplish the same thing much quicker.

All the larger companies belong to a marketplace that enables customers to enter their coverage request one time, and at least one company returns a competitive quote. This prevents consumers from doing repetitive form submissions to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The only downside to using this type of system is that you can't choose which companies to get quotes from. If you would rather choose specific insurance companies for rate comparison, we put together a list of companies who write car insurance in Oregon. Click here for list of insurance companies in Oregon.

Whichever method you choose, make absolute certain that you use the exact same coverages and limits on every quote. If you are comparing different deductibles you can't possibly make a fair comparison in Pilot Rock.

How to Lower your Car Insurance Rates

It's important that you understand the factors that go into determining the rates you pay for car insurance. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

Listed below are some of the factors used by your company to calculate prices.

  • High numbers of claims are not good - If you tend to file frequent claims, you can look forward to higher rates. Companies in Oregon generally give better rates to insureds who do not file claims often. Insurance coverage is intended for larger claims.
  • Do you know you're credit rating? - Having a bad credit score is a big factor in determining your rates. Therefore, if your credit score is lower than you'd like, you could be paying less to insure your by repairing your credit. People with good credit tend to be more responsible than drivers who have poor credit.
  • Poor driving leads to higher costs - Drivers who don't get tickets get better rates than bad drivers. Even a single moving violation can bump up the cost twenty percent or more. If you have serious violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Lower deductibles cost more - The deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The more money you have to pay, the lower your rates will be.

Don't pay full price with these discounts

Car insurance companies don't list every discount in an easy-to-find place, so here is a list both the well known and also the lesser-known discounts you could be receiving. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

  • Federal Employees - Simply working for the federal government may qualify you for a discount with a few car insurance companies.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Multi-car Discount - Having more than one vehicle on one policy can get a discount on all vehicles.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.

As a disclaimer on discounts, some credits don't apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren't that generous.

For a list of insurance companies offering car insurance discounts in Pilot Rock, click here.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your vehicles, there is no "best" method to buy coverage. Your needs are not the same as everyone else's and your policy should reflect that. Here are some questions about coverages that might point out whether or not you could use an agent's help.

  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • What happens if I owe more than my vehicle is worth?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Does my car insurance cover rental cars?

If you can't answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.

Even more information is available at the Oregon Insurance Division website. Visitors are able to download brochures, find out industry alerts, file complaints about a company, and report car insurance fraud.

Pilot Rock car insurance quote

Best coverage at the best price

While you're price shopping online, never reduce needed coverages to save money. There are too many instances where an insured cut liability limits or collision coverage only to find out they didn't purchase enough coverage. Your strategy should be to buy the best coverage you can find at the best price while still protecting your assets.

We just covered a lot of ways to lower your car insurance rates. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest premiums are with a small mutual company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as .