Tightwads Guide to Saving on Stayton Auto Insurance

I can't think of anyone who enjoys paying for auto insurance, especially knowing the cost is too high.

With consumers having so many options when it comes to auto insurance, it can be diffult for consumers to locate the best company.

Are you getting all your discounts?

Auto insurance companies don't necessarily list every discount very well, so the following is a list of some of the best known and the harder-to-find ways to save on auto insurance.

  • Lower Rates for Military - Having a family member in the military could mean lower rates.
  • Early Signing - Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags - Cars that have air bags or motorized seat belts can receive discounts of 20% or more.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Low Mileage Discounts - Driving fewer miles could qualify for better rates on cars that stay parked.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

compare Stayton auto insurance rates

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is unique so this has to be addressed. For instance, these questions may help highlight whether you could use an agent's help.

  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Is rental equipment covered for theft or damage?
  • Is my dog or cat covered if injured in an accident?

If it's difficult to answer those questions then you might want to talk to an insurance agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier

How can State Farm, Allstate and GEICO save drivers who switch?

Auto insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. They all make the same claim about savings if you switch your coverage to them. But how can every company say the same thing? This is how they do it.

Different companies have a certain "appetite" for the type of customer that earns them a profit. A good example of a driver they prefer might be profiled as over the age of 40, a clean driving record, and drives less than 10,000 miles a year. A propective insured who matches those parameters gets the lowest rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be quoted more money which leads to business not being written. The ads say "drivers who switch" not "everybody who quotes" save that much money. That is how companies can truthfully advertise the way they do. This emphasizes why you should quote coverage with many companies. It's not possible to predict which company will provide you with the cheapest rates.

Even more information can be read at the Oregon Insurance Division website. Oregon drivers can find disaster information, file complaints about a company, find out industry alerts, and view a list of available companies.

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

Oregon auto insurance

Do the work, save more money

In this article, we covered many ideas to reduce auto insurance prices online. The key thing to remember is the more providers you compare, the better chance you'll have of finding lower rates. Drivers may discover the lowest premiums are with a smaller regional carrier. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as .

As you go through the steps to switch your coverage, don't be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.