Redmond Car Insurance For Less Than You're Paying Now

Are you intimidated by the dozens of car insurance choices in Redmond? Many other drivers are as well. Drivers have so many options available that it can turn into a real challenge to find the lowest price.

It's important to check car insurance prices every six months since rates are constantly changing. Just because you had the lowest price a couple years back you may be paying too much now. You can find a lot of wrong information about car insurance online but we're going to give you some great ways to slash your car insurance rates.

How to Compare Car Insurance Quotes in Redmond, Oregon

There are several ways to get quotes from car insurance companies in your area. The recommended way to compare insurance prices is to perform an online rate comparison. This can be accomplished in several different ways.

The first (and easiest) way to get quotes is to use a rate comparison form click here to open form in new window. This method eliminates the need for a different quote for each company. Filling out one form will return quotes . It's the fastest way to compare.

A more time consuming way to compare rate quotes is to take the time to go to each company website to complete their respective quote request forms. For instance, we'll assume you want to compare rates from , and . You would have to go to every website and enter your information, which is why the first method is more popular. To view a list of companies in Redmond, click here.

Which method you use is up to you, but ensure you are comparing the exact same coverages and limits on every quote you get. If you use different deductibles it's impossible to determine which rate is truly the best in Redmond. Just a small difference in coverages can make a big difference in price. Just remember that quoting more will increase your chances of finding a lower rate.

Oregon car insurance

What determines how much you pay?

It's important that you understand some of the elements that go into determining the rates you pay for car insurance. Understanding what impacts premium levels allows you to make educated decisions that can help you get better car insurance rates.

  • Poor driving leads to higher costs - Your driving record impacts your car insurance rates tremendously. Good drivers have lower premiums than bad drivers. Just one moving violation can increase rates forty percent or more. Drivers who get serious violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims would be a windshield shattered by a rock, collision with an animal, and windstorm damage. Your deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more you're willing to pay, the less your car insurance will be.
  • Don't get talked into coverage you don't need - There are many extra coverages you can purchase when buying car insurance. Coverages like roadside assistance, better glass 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 get rid of them and save.
  • Where you live can impact rates - Choosing to live in a small town has it's advantages when talking about car insurance. Less people living in that area means fewer accidents as well as less vandalism and auto theft. Drivers in populated Oregon areas have congested traffic and longer commute times. More time commuting means more change of being in an accident.
  • Older drivers save more - Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers are statistically proven to be more careless when behind the wheel therefore car insurance rates are much higher.
  • One company can mean more discounts - Most companies give discounts to insureds who carry more than one policy. It's known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount you still need to shop around to make sure you are getting the best deal. You may still be able to find a better deal by insuring with multiple companies.

Take advantage of discounts

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you quote, but a few must be asked about prior to getting the savings.

  • Discount for Good Grades - Getting good grades can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Homeowners Discount - Being a homeowner may trigger a car insurance policy discount because owning a home shows financial diligence.
  • Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Defensive Driver - Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Multi-policy Discount - When you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Multi-car Discount - Insuring more than one vehicle on one policy may reduce the rate for each vehicle.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will cut your overall premium however.

For a list of providers offering car insurance discounts in Redmond, follow this link.

Additional information is located on the Oregon Insurance Division website located here. Visitors are able to file complaints about a company, report car insurance fraud, and discover disciplinary actions.

The best insurance company isn't always the cheapest

We just covered a lot of information how to lower your car insurance rates. The key thing to remember is the more you quote, the higher the chance of saving money. Consumers may even find the best prices are with some of the lesser-known companies.

Cheaper car insurance is available both online and with local Redmond insurance agents, so compare prices from both to have the best rate selection. Some car insurance companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There have been many cases where someone sacrificed collision coverage and learned later that the savings was not a smart move. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.