Buy Cheaper Shady Cove Auto Insurance

Paying for high-priced auto insurance can overdraw your checking account and force you to make sacrifices. Comparison shopping is a great way to slash your bill and have more diposable income. Lots of contend to insure your vehicles, and because of this it can be hard to compare to get the lowest rate

It's important to shop coverage around quite often because prices are constantly changing. If you had the best price on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to one of the easiest ways to buy cheaper auto insurance.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all their discounts in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving. If they aren't giving you every credit you deserve, you're paying more than you need to.

Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy on their website.
Save over 55 - Mature drivers can possibly qualify for a small decrease in premiums.
Student Driver Training - Have your child complete a driver education course in high school.
Drive Less and Save - Keeping the miles down can earn a substantially lower rate.
Memberships - Participating in certain professional organizations may earn a discount on auto insurance.
Defensive Driving Course - Completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.

A little note about advertised discounts, some credits don't apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, you won't be that lucky.

To see a list of companies with the best auto insurance discounts in Shady Cove, click here.

Low Cost Shady Cove Auto Insurance

Finding cheaper auto insurance prices is surprisingly easy. Consumers just need to take the time comparing rates provided by online insurance companies. This is very easy and can be done in a couple of different ways.

The best way to find low rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do separate quote forms for every auto insurance company. One form will return price quotes from many national carriers.
A more difficult way to shop for auto insurance online consists of visiting each individual company website to request a price quote. For examples sake, we'll pretend you want comparison quotes from , and . To get rate quotes you would need to take the time to go to each site to enter your coverage information, and that's why the first method is more popular.

For a list of links to companies insuring cars in Shady Cove, click here.

Whichever method you choose, make darn sure you compare the exact same deductibles and coverage limits for each price quote. If the quotes have different values for each quote you will not be able to truly determine the lowest rate in Shady Cove.

Tips to Get Lower Shady Cove Rates

An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Having a spouse can save you money - Having a spouse actually saves money on auto insurance. It translates into being more responsible it has been statistically shown that married drivers get in fewer accidents.
Sex matters - Statistics have proven that men are more aggressive behind the wheel. However, don't assume that women are BETTER drivers than men. Women and men have accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
Theft deterrents lower rates - Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping auto theft.
Drive a safer car and pay less - Cars with high safety ratings get lower rates. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies and lower rates for you.
Liability coverage is cheap - The liability section of your policy is the protection if ever a court rules you are at fault for personal injury or accident damage. It provides for a legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Every insured's situation is different and your policy should reflect that. For example, these questions may help you determine whether your personal situation may require specific advice.

Does medical payments coverage apply to all occupants?
Should I buy additional glass protection?
Is rental equipment covered for theft or damage?
Is my nanny covered when driving my vehicle?
Are rental cars covered under my policy?
Should I have combined single limit or split liability limits?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?

If you can't answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Save $429 a year? Really?

Oregon consumers can't get away from ads for car insurance savings from the likes of State Farm, GEICO and Progressive. They all seem to have a common claim about savings if you move your coverage to them.

How do they all make almost identical claims? This is how they do it.

All companies have a preferred profile for the type of customer that is profitable for them. For example, a desirable insured could possibly be over the age of 50, insures multiple vehicles, and has great credit. A customer getting a price quote that hits that "sweet spot" will get the preferred rates and is almost guaranteed to cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ads state "drivers who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully advertise the savings. Because of the profiling, drivers must get as many quotes as possible. It's impossible to know which insurance companies will fit your personal profile best.

In the end, you save

Cheaper auto insurance is possible online as well as from independent agents in Shady Cove, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, you should never reduce coverage to reduce premium. In many cases, drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible for the lowest price.

Even more information can be found at the Oregon Insurance Division website. Oregon consumers can get help finding coverage, learn about insurance regulations, view a list of available companies, and find disaster information.