Car Insurance in Athena - 6 Ways to Save Money

Are you intimidated by the wide range of car insurance options in Athena? You're not the only one! Consumers have so many choices that it can turn into a real challenge to locate the lowest price.

It's important to compare prices every six months since rates are constantly changing. Even if you got the best rates two years ago you may be paying too much now. There is a lot of bad information regarding car insurance on the web, but we're going to give you some great ways to slash your car insurance rates.

How to Compare Car Insurance Quotes in Athena, Oregon

Effectively comparing car insurance prices can take hours if you don't know the most efficient way. You could spend your day talking about coverages with local insurance agents in Athena, or you could save time and use the web to achieve your goal.

All the larger companies belong to a marketplace that allows shoppers to send in one quote, and each participating company can provide price quotes. This eliminates the need for quote requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to comparing rates this way is that consumers can't choose which companies you will receive quotes from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of car insurance companies in Oregon. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing identical information on every quote you get. If you are comparing higher or lower deductibles it's not possible to determine which rate is truly the best in Athena.

Oregon car insurance

Be sure to get all your discounts

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply when you quote, but some may not be applied and must be specially asked for before you get the savings. If you're not getting every credit possible, you're just leaving money on the table.

  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Discount for Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
  • No Charge for an Accident - Certain companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Resident Student - Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.

It's important to note that most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, you're out of luck. But any discount will bring down the amount you have to pay.

For a list of providers who offer car insurance discounts in Oregon, follow this link.

More information can be read on the Oregon Insurance Division website located here. Visitors are able to file complaints about a company, report car insurance fraud, and file complaints about an insurance agent or broker.

Best coverage at the best price

We just covered a lot of tips how to lower your car insurance rates. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Drivers may discover the best prices are with the least-expected company.

Lower-priced car insurance can be purchased both online as well as from independent agents in Athena, so compare prices from both to have the best selection. Some insurance companies don't offer online quoting and many times these small insurance companies only sell through independent insurance agents.

When buying insurance coverage, never reduce needed coverages to save money. There have been many cases where someone sacrificed collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.