Easy Tips to Spend Less on Rogue River Auto Insurance

If you're new to shopping for auto insurance online, you may be overwhelmed by the vast number of auto insurance companies all offering big savings in Rogue River.

Buying car insurance in Rogue River is quite easy. If you have a current auto insurance policy or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Oregon drivers only need an understanding of the best way to get comparison rates over the internet.

Save big with these discounts

Companies offering auto insurance don't always publicize every discount very well, so here is a list both well-publicized and the more hidden savings tricks you should be using. If you don't get every credit you qualify for, you are throwing money away.

Military Discounts - Being on active duty in the military may qualify for rate reductions.
Good Student - Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
Multiple Policy Discount - If you have multiple policies with the same company you may earn at least 10% off all policies.
Clubs and Organizations - Participating in a professional or civic organization is a good way to get lower rates when shopping for auto insurance.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Air Bag Discount - Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
No Claims - Good drivers with no accidents can earn big discounts when compared to drivers who are more careless.
Homeowners Savings - Simply owning a home can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.

Consumers should know that most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, companies don't profit that way.

Understand what determines the rate you pay

Smart consumers have a good feel for the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

Higher safety ratings means cheaper insurance - Vehicles with high crash test scores can get you lower premiums. The safest vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company passed on to you as lower rates.
Careful drivers pay lower rates - Even one speeding ticket may increase your cost by twenty percent. Drivers with clean records receive lower rates compared to drivers with tickets. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to keep their license.
Where you live is a factor - Living in small towns and rural areas can save you money when insuring your vehicles. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.
Protect your assets with liability insurance - Liability coverage is the coverage that protects you when a court rules you are at fault for damages caused by your negligence. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone's needs are different.

These are some specific questions may help highlight if your situation will benefit from professional help.

Do I have coverage when using my vehicle for my home business?
Should I buy only the required Oregon minimum liability coverage?
What are the best liability limits?
Why am I required to buy high-risk coverage?
Do I qualify for additional discounts?
Am I covered if I drive in a foreign country?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It's fast, doesn't cost anything and can provide invaluable advice.

Auto insurance ads bend the truth

Oregon consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all make an identical promise of big savings after switching your policy.

But how can every company make almost identical claims?

Insurance companies have a certain "appetite" for the right customer that earns them a profit. An example of a driver they prefer could possibly be between the ages of 40 and 55, a clean driving record, and chooses high deductibles. A customer getting a price quote who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Consumers who fall outside this ideal profile will be quoted higher rates and ends up with the driver buying from a lower-cost company. The ads state "people who switch" not "people who quote" save that kind of money. That is how insurance companies can confidently state the savings. This emphasizes why drivers should get a wide range of price quotes. It's impossible to know which company will give you the biggest savings.

Additional Oregon consumer information

More tips and info about auto insurance is available at the Oregon Insurance Division website. Oregon consumers can find disaster information, file complaints about a company, and view agent and company licensing information.

Also read more on this page for auto insurance prices in Oregon and this page of Rogue River insurance agents.

Best coverage at the best price

People change insurance companies for many reasons like unfair underwriting practices, high prices, policy non-renewal and even poor customer service. Whatever your reason, finding the right auto insurance provider is less work than it seems.

You just read many tips how you can reduce auto insurance prices online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from an unexpected company.

When buying insurance coverage, don't be tempted to skimp on coverage in order to save money. There have been many situations where someone dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.