Who Has the Cheapest Car Insurance Quotes for Government Employees in Oregon?

When discussing auto insurance, the word cheap really should not be used anywhere in the article as a descriptor for car insurance rates. Be that as it may, cheap car insurance for government employees can be hard, if not impossible, to find. But fear not, because we will teach you how you can get auto insurance that fits into your budget.

One of the more important components that establish the price of your policy is your zip code in Oregon. Cities with larger populations or higher claims like Gresham, Beaverton, and Aloha tend to have higher rates, whereas more rural areas benefit from lower rates.

The following table illustrates the highest-priced places in Oregon for government employees to purchase a policy in.

Annual rates are estimated as specific Oregon zip code can increase or decrease rates substantially.

Deciphering which companies have the lowest-priced car insurance rates for government employees takes more work in order to find the lowest price.

Every insurance company has a different process for determining prices, so to begin we’ll rank the most budget-friendly car insurance companies in Oregon.

Cheapest Insurance Rates in Oregon

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Grange may offer some of the most affordable car insurance rates in Oregon at around $687 per year. Oregon Mutual, Country, Travelers, and USAA also are some of the most economical Oregon insurance companies.

As the rates illustrate above, if you have coverage with Travelers and switched to Oregon Mutual, you might see an annual savings of upwards of $105. Insureds with USAA may save as much as $131 a year, and State Farm insureds might reduce prices by as much as $252 a year.

To find out how your current rates compare, click here to get quotes or visit several of the following companies.

It’s important to note that these policy prices are averaged for all drivers and vehicles and and are not figured with a price decrease for government employees. So the car insurance company that is best for you may not even be shown in the company chart above. That points out the importance of why you need to compare as many prices as possible using your own individual information.

The example below demonstrates how deductible levels can increase or decrease insurance prices when trying to find cheap insurance for government employees. The price estimates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2691,2463,2207,1961],[‘Age 30’, 1879,1715,1527,1347],[‘Age 40’, 1865,1705,1523,1349],[‘Age 50’, 1629,1491,1335,1187],[‘Age 60’, 1553,1421,1271,1129],[‘Age 70’, 1685,1541,1385,1235]]);var options = {title: ‘Effect of Deductibles on Insurance Prices in Oregon’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could pocket $294 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $442 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could potentially save up to $730 or more by choosing a larger deductible amount.

When insureds make the decision to increase the deductibles on their policy, it is important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.

Progressive, Allstate, Geico, or State Farm: Who is best?

When it comes to buying car insurance, four companies you’ll want quotes from are Progressive, Allstate, Geico, and State Farm. If you combine them together, they insure over 48% of all vehicles in the U.S.. Each one has a distinct set of features and optional coverages that may steer you one way or another. The following table rates ratings and policy coverage options .