Proven Ways to Save on West Linn Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, there are many people just like you.

Multiple compete for your insurance dollar, so it can be very hard to choose a and get the definite lowest rate

It's important to do rate comparisons at least once a year because insurance rates are constantly changing. If you had the lowest rates a year ago there is a good chance you can find better rates now. So block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to remove unneeded coverages and save money.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Buying car insurance in West Linn is easy if you know what you're doing. But Oregon drivers do need to know the methods companies use to market on the web and use this information to your advantage.

Why some people pay less for insurance in West Linn

Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that can help you get big savings.

The list below includes a few of the "ingredients" companies use to determine your rates.

How many coverages with the same company - The majority of auto insurance companies give discounts to customers who carry more than one policy. It's known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to comparison shop to make sure you are getting the best deal. Consumers may find a better deal by buying insurance from more than one company.
High crash test scores lower rates - Vehicles with good safety scores tend to have better insurance rates. Safer cars result in less severe injuries and lower injury rates means lower claim amounts and lower rates for you.
Rates may be higher depending on your occupation - Occupations like lawyers, executives and accountants tend to pay higher rates than average because of stressful work requirements and lots of time spent at work. On the flip side, professions such as actors, athletes and the unemployed have the lowest average rates.
Policy add-ons can waste money - There are a lot of extra coverages you can purchase on your auto insurance policy. Coverages like roadside assistance, better glass coverage and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don't need them get rid of them and save.
Being married can save on auto insurance - Having a spouse actually saves money on your auto insurance policy. Marriage is viewed as being more mature than a single person and it's proven that being married results in fewer claims.
Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims could be a windshield shattered by a rock, vandalism, and windstorm damage. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you're willing to pay, the less your auto insurance will be.
Don't sacrifice liability coverage - The liability section of your policy provides coverage in the event that a court rules you are at fault for damages from an accident. It will provide for a legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.

Quick West Linn Auto Insurance Quotes

There are several ways of comparing rate quotes from auto insurance companies in your area. One of the best ways to compare insurance prices is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This form saves time by eliminating repetitive form submissions to each individual auto insurance company. Completing one form gets you coverage quotes from multiple companies.
A less efficient way to compare rate quotes consists of going to the website for each individual company to complete a price quote. For example, we'll assume you want to compare rates from , and . To find out each rate you need to visit each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in West Linn, click here.
The hardest method of comparing rate quotes to local West Linn insurance agencies. The internet eliminates the need for an insurance agent unless you require the personal advice only provided by licensed West Linn agents. Drivers can find lower rates online and still use a local agent.

It doesn't matter which method you choose, just compare the exact same coverages for every company. If you compare different limits and deductibles on each one it's not possible to decipher which rate is best in West Linn. Having just a slight variation in insurance coverages can mean a large discrepancy in price. Just keep in mind that more quotes will increase your chances of finding lower pricing.

Take advantage of discounts

Car insurance is not cheap, but you may find discounts that can drop the cost substantially. Most are applied at quote time, but lesser-known reductions have to be specifically requested in order for you to get them.

Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
Military Rewards - Having a family member in the military can result in better rates.
Accident Free - Drivers with accident-free driving histories can save substantially compared to accident-prone drivers.
Low Mileage - Keeping the miles down can earn better rates on cars that stay parked.
Defensive Driving Course - Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
E-sign - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
More Vehicles More Savings - Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
Save over 55 - If you're over the age of 55, you can possibly qualify for reduced rates.
Organization Discounts - Participating in certain professional organizations could trigger savings on your policy.
Multi-policy Discount - If you insure your home and vehicles with the same company you may save approximately 10% to 15%.

Drivers should understand that many deductions do not apply the the whole policy. Most cut individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will cut your overall premium however.

To choose providers with the best auto insurance discounts in West Linn, click this link.

Are auto insurance companies telling the truth?

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads make the same claim that you'll save big if you move to them. How do they all make almost identical claims?

All the different companies are able to cherry pick for the type of driver that makes them money. For example, a preferred risk could possibly be over the age of 40, has no tickets, and has excellent credit. A driver who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will be charged more money which leads to the driver buying from a lower-cost company. The ads say "customers that switch" not "people who quote" save money. That's the way companies can make those claims.

That is why you need to get a wide range of price quotes. It is impossible to predict which auto insurance company will have the lowest rates.

Much more information about auto insurance in Oregon can be found on the website for the Oregon Insurance Division located here. Oregon consumers can read consumer alerts, find disaster information, read industry bulletins, and discover disciplinary actions.

Final considerations

While you're price shopping online, you should never reduce coverage to reduce premium. Too many times, an insured dropped uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Budget-conscious auto insurance is definitely available online and with local West Linn insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.