Cheapest Auto Insurance Quotes for Nurses in Oregon

Establishing which companies have the cheapest insurance rates for nurses requires more time than just comparing rates from one or two companies.

Each auto insurer uses different criteria for determining rates, so we’ll take a look at the insurance companies that tend to be cheaper in Oregon.

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Grange generally has some of the most affordable car insurance rates in Oregon at around $694 annually. Oregon Mutual, Country, Travelers, and USAA also are some of the lowest-priced Oregon car insurance companies.

As illustrated above, if you are a policyholder with Country and switched to Grange, you might realize yearly savings of approxmiately $162. Drivers with Travelers could save as much as $248 a year, and USAA insureds might cut rates by $256 a year.

To find out how much you can save, click here to get a free quote or click several companies below for low rates.

Be aware that those policy rates are averages for all ages of drivers and types of vehicles and and are not calculated with a rate discount for nurses. So the auto insurance company that fits you best may not even be featured in the list of companies shown earlier. That helps illustrate why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

The model of vehicle requiring coverage is one of the largest factors when shopping around for low-cost coverage for nurses. Vehicles with limited speed and performance, an excellent safety record, or a low likelihood of having liability claims will cost less to insure than higher performance models. The lists below outlines auto insurance costs for the cheapest automobiles to insure in Oregon.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific Oregon garaging location which can raise or lower premiums substantially.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can affect rates substantially.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in Oregon location which can lower or raise price quotes noticeably.

Cost difference between full coverage and liability

Finding the cheapest car insurance for nurses in Oregon should be important to most drivers, and one common way to lower the cost of insurance is to not pay for full coverage. The diagram below illustrates the difference between car insurance costs when comparing full coverage to liability only. The rates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

As an average for all age groups, comprehensive and collision coverage on your policy costs $1,814 per year more than just buying liability insurance. That raises the question if it’s a good idea to buy full coverage. There is no definitive guideline of when to stop paying for comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s claim settlement value is $5,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,500 after you pay the deductible. If premium cost is more than $450 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Which car insurance company is best?

When comparing car insurance, the top insurers to get price quotes from are Geico, Progressive, State Farm, and Allstate. Combined they make up nearly half of all car insurance policies in America. All offer liability and physical damage insurance, but each one has different optional coverages and features that drivers can select from. The next table shows price, claims, and customer service ratings, as well as some optional coverages shoppers can find with each company.

How to find the cheapest car insurance for nurses in Oregon

Here are many penny-pinching ideas that can help drivers get low-cost coverage.

• Too many claims can make car insurance unaffordable
• Good credit can save money
• Do not get into accidents
• Keep your driving record clean
• Safer vehicles cost less to insure
• Compare rates regularly to ensure the best deal

That last piece of advice is very crucial, as was discussed in the prior article. Auto insurance prices in Oregon fluctuate constantly, so don’t be unwilling to buy a different policy if you find a cheaper price.

We understand brand loyalty, but it isn’t a good idea if that devotedness results in you overpaying major coinage every year. In just a few minutes you could compare prices to find cheaper car insurance for nurses.

Cheapest insurance quotes for health professionals

Consumers have many ways to find affordable insurance in Oregon, but the most frequently used are either through an exclusive agency such as Allstate or Liberty Mutual, an independent insurance agent, or from a direct company like Geico.

All three ways can provide insurance quotes, but shoppers should understand the differences in how they provide rate quotes.

Independent insurance agencies have contracts with multiple insurance companies and can do rate comparisons with every one. These types of agents can sell policies from many different companies and can compare multiple rates, which can help you get a better chance of finding cheaper coverage. If a cheaper price is found, they simply switch companies in-house and that require little work on your part.

Exclusive agencies are only able to quote rates from just one company, a couple examples are Allstate or Farmers Insurance agents. These agents are unable to provide prices from multiple companies, so you will not be able to compare other companys’ rates.

Buying direct means you bypass a local agent and instead buy direct from companies such as Progressive or Esurance. Shopping for insurance direct can be a good choice for drivers who do not have a complex risk profile and have an above average understanding of what insurance covers and what it doesn’t.

Which method is best to buy the cheapest car insurance for nurses in Oregon? One answer would be shopping direct results in the cheapest rates since it doesn’t require paying agent commissions, but in reality, that argument does not hold true. We’d also like to say using an independent agent is the best way since they have access to many companies, but that is not necessarily true either. In the right set of circumstances, exclusive agents have extremely competitive rates that are impossible to beat.

Because there is so much variation in insurance prices, the guaranteed way to ensure the lowest rates is to get quotes and compare the rates. If you want to save money, get prices from all three in order to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.