5 Discounts Ashland Drivers Forget when Shopping for Car Insurance

Searching for the cheapest Ashland car insurance on the internet may be somewhat difficult for people who are new to buying insurance on the web. With so many choices of choices, how can consumers possibly compare them all to find the lowest rates?

Buying car insurance in Ashland is easy if you know what you're doing. If you are insured now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. Oregon vehicle owners just need to know the proper methods to get comparison quotes online.

compare Ashland car insurance rates

Low Cost Ashland Car Insurance

Reducing your insurance rates doesn't have to be difficult. Just take time comparing rates online from several insurance companies. This can be accomplished in a couple of different ways.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method saves time by eliminating separate quotation requests for each company. One form will return price quotes from car insurance companies with the best prices. This is by far the quickest method.
  2. A different way to compare rate quotes consists of visiting the website of each company to complete a price quote. For examples sake, let's say you want comparison quotes from , and . You would have to take the time to go to each site to enter your coverage information, and that's why the first method is more popular.

    To view a list of companies in Ashland, click here.

Which method you use is up to you, but make darn sure you compare apples-to-apples deductibles and coverage limits for every company. If you use different values for each quote you will not be able to decipher which rate is best in Ashland.

Take advantage of discounts

Car insurance companies don't necessarily list every discount very well, so we researched some of the more common and the harder-to-find car insurance savings. If you don't get every credit you deserve, you are paying more than you should be.

  • Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • 55 and Retired - If you're over the age of 55, you can possibly qualify for better car insurance rates.
  • Service Members Pay Less - Having a deployed family member can result in better rates.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.

Drivers should understand that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free car insurance policy, companies wouldn't make money that way.

To choose insurance companies with the best car insurance discounts in Oregon, follow this link.

Are car insurance companies telling the truth?

Consumers can't ignore all the ads for car insurance savings by State Farm, Allstate and GEICO. They all say the same thing that you'll save big if you move to their company.

But how can every company make the same claim? This is how they do it.

Different companies have a preferred profile for the driver that makes them money. For instance, a driver they prefer could be between 30 and 50, insures multiple vehicles, and drives newer vehicles. Any new insured who fits that profile is entitled to the best price and most likely will save a lot of money.

Potential insureds who don't qualify for this ideal profile will be quoted more money which usually ends up with business going elsewhere. The ads state "drivers who switch" not "people who quote" save that much. This is how companies can claim big savings. This emphasizes why you need to get as many comparisons as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

How to know if you need help

When buying the best car insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Every insured's situation is different.

These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

More detailed Oregon car insurance information is located at the Oregon Insurance Division website. Consumers can view a list of available companies, learn about insurance regulations, and find out industry alerts.

Other informative sites include this page for car insurance prices in Oregon and this list of insurance agents in Ashland, OR.

Ashland car insurance comparison

In the end, you save

Consumers who switch companies do it for any number of reasons including unfair underwriting practices, denial of a claim, policy cancellation or even high prices. No matter why you want to switch, switching car insurance companies is easier than you think.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There have been many situations where drivers have reduced liability coverage limits only to discover later that it was a big mistake. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Budget-conscious car insurance is possible from both online companies and also from your neighborhood Ashland agents, so compare prices from both in order to have the best chance of saving money. A few companies may not provide online price quotes and these small, regional companies work with independent agents.