Getting Cheap Canyon City Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you many Canyon City consumers feel financially strained by their auto insurance policy. You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

Shopping for affordable auto insurance in Canyon City is easy if you know what you're doing. If you have a policy now or are looking for a new policy, you can use these techniques to find the best rates while maximizing coverage. Oregon vehicle owners just need to know the tricks to buy auto insurance on the web.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. Some discounts apply automatically at the time of quoting, but a few must be manually applied before you will receive the discount. If you're not getting every credit possible, you're just leaving money on the table.

  • Claim Free - Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
  • Club Memberships - Affiliation with a qualifying organization is a good way to get lower rates when shopping for auto insurance.
  • Multiple Cars - Buying coverage for all your vehicles on one policy qualifies for this discount.
  • Senior Discount - Older drivers may receive a small decrease in premiums.
  • Drivers Education - Require your teen driver to successfully complete driver's ed class if offered at their school.
  • Safety Course Discount - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Low Mileage Discounts - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Federal Government Employee - Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
  • Discount for Swiching Early - Select companies give a discount for signing up before your current policy expires. The savings is around 10%.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.

For a list of insurance companies with discount auto insurance rates in Oregon, click here to view.

How to Compare Auto Insurance in Canyon City, Oregon

Most major insurance companies like Progressive, Allstate and GEICO give coverage price quotes on their websites. Getting online quotes is fairly simple as you simply type in the coverages you want as detailed in the form. Once entered, their system will obtain information on your driving record and credit history and generates pricing information based on many factors. Being able to quote online streamlines rate comparisons, but the time it takes to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. But it's very important to compare as many rates as possible in order to get the best price on auto insurance.

The easy way to compare rates

A more efficient way to lower your rates requires only one form to obtain quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. After sending the form, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it's recommended you type in the insurance coverages just like they are on your policy. This helps ensure you are getting comparison quotes based on identical coverages.

A tidy conclusion

Budget-conscious auto insurance can be sourced on the web as well as from independent agents in Canyon City, and you should be comparing both to have the best chance of lowering rates. Some insurance providers don't offer online quoting and these small, regional companies work with independent agents.

As you shop your coverage around, it's very important that you do not sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.