7 Simple Ways to Slash Car Insurance Costs in Troutdale

Scraping up a payment for overpriced car insurance can empty your savings account and put the squeeze on your family's finances. Doing a price comparison is free and is an excellent way to help make ends meet.

You have so many to buy insurance from, and although it's nice to be able to choose, lots of choices makes it harder to compare rates.

Finding affordable coverage in Troutdale is easy if you know what you're doing. In a nutshell, anyone who is required by state law to have car insurance stands a good chance to be able to save money. But Oregon consumers do need to know how insurance companies sell online.

Compare Car Insurance Today

The are a couple different ways to get quotes from local Troutdale car insurance companies. One of the best ways to find the cheapest insurance rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

The fastest way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This form eliminates the need for boring form submissions for each company. A single, simple form gets you price quotes from all major companies.
A more time consuming way to shop for car insurance online requires a trip to the website of each company to complete their respective quote request forms. For examples sake, let's assume you want comparison quotes from , and . You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular.

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

It's up to you how you get prices quotes, just make sure you use identical quote information on every quote you get. If you use mixed coverages it will be impossible to determine which rate is truly the best in Troutdale. Having just a slight variation in insurance coverages may result in large price differences. And when comparing car insurance rates, know that comparing more company's prices helps locate a better price.

Policy discounts you shouldn't miss

Auto insurance companies do not advertise every discount very clearly, so the following is a list of both the well known as well as the least known ways to save on car insurance.

Government Employees - Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
Auto/Life Discount - Select insurance companies reward you with a discount if you purchase life insurance from them.
Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
Accident Waiver - Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
Save with a New Car - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
Pay Now and Pay Less - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
Paperwork-free - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.

Consumers should know that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So even though it sounds like you could get a free car insurance policy, companies don't profit that way.

To choose insurance companies with discount car insurance rates in Oregon, click this link.

Save $429 a year? Really?

Car insurance providers like Progressive, Allstate and GEICO consistently run television and radio advertisements. They all make the same claim that you'll save big if you change your policy. How does each company claim to save you money?

Different companies have a preferred profile for the right customer that makes them money. A good example of a driver they prefer might be over the age of 50, has no prior claims, and has a high credit rating. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be quoted a higher premium which leads to the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save that kind of money. This is how companies can state the savings. This emphasizes why you need to quote coverage with many companies. It's just too difficult to predict which insurance companies will have the lowest rates.

Insurance agents can help

When buying coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different so this has to be addressed. For example, these questions can help discover whether your personal situation may require specific advice.

Do I have coverage for damage caused while driving under the influence?
What happens if I owe more than my vehicle is worth?
Am I covered if I wreck a rental car?
I have good health insurance, so how much medical payments coverage do I need?
Who is covered when they drive my vehicle?
What can I do if my company won't pay a claim?
Does my liability insurance cover pulling a trailer or camper?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

More detailed Oregon car insurance information can be read at the Oregon Insurance Division website. Visitors are able to download brochures, file complaints about an insurance agent or broker, find out which companies have the most complaints, and get help finding coverage.

Final considerations

As you restructure your insurance plan, never reduce coverage to reduce premium. There are too many instances where consumers will sacrifice full coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Discount car insurance can be sourced both online in addition to many Troutdale insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not provide online price quotes and these small insurance companies work with independent agents.