Free Guide to Cutting Costs on Coquille Auto Insurance Online

Overpriced auto insurance can drain your bank account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet.

Numerous battle for your business, and because of this it can be hard to compare to get the lowest rate

It's important to price shop coverage quite often because insurance rates are constantly changing. If you had the lowest rates last year a different company probably has better rates today. Starting right now, ignore everything you know about auto insurance because you're about to learn the tricks you need to know to lower your annual insurance bill.

Are you getting all your discounts?

Car insurance companies don't necessarily list all their discounts in an easy-to-find place, so we break down both well-publicized as well as the least known savings tricks you should be using.

Life Insurance - Some companies give lower rates if you buy life insurance from them.
Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
Drive Less and Save - Keeping the miles down can earn discounted rates on garaged vehicles.
Seat Belts Save - Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.

Keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, it just doesn't work that way.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that may reward you with better auto insurance rates.

Where you live - Residing in a small town can be a good thing when insuring your vehicles. Less people living in that area means reduced accidents. City drivers regularly have much more traffic to deal with and longer commutes to work. Higher commute times can result in more accidents.
Sex matters - Statistics have proven that men are more aggressive behind the wheel. However, don't assume that men are WORSE drivers than women. Men and women are in accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as DWI and reckless driving.
Your car's features help determine rates - Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
Safer cars are cheaper to insure - Safer cars can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and lower rates for you.
Small claims can cost you - Car insurance companies in Oregon award better rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect higher rates. Car insurance is designed for the bigger claims that can't be paid out-of-pocket.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help you determine whether you would benefit from professional advice.

When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
Is rental equipment covered for theft or damage?
Is my dog or cat covered if injured in an accident?
Is my cargo covered for damage or theft?
Why am I be forced to buy a membership to get insurance from some companies?
Why am I required to get a high-risk car insurance policy?
Should I file a claim if it's only slightly more than my deductible?

If you're not sure about those questions, you might consider talking to a licensed agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

How can GEICO, State Farm and Progressive save drivers who switch?

Auto insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to make an identical promise that you can save if you move your policy. How do they all make almost identical claims?

Different companies have a preferred profile for the right customer that earns them a profit. For example, a desirable insured could possibly be a mature driver, insures multiple vehicles, and drives newer vehicles. A driver who meets those qualifications will get very good rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ads say "customers that switch" not "everybody who quotes" save that kind of money. This is how insurance companies can claim big savings. Because of the profiling, drivers should get as many comparisons as possible. It is impossible to predict which insurance companies will give you the biggest savings.

Additional detailed information can be found at the Oregon Insurance Division website. Oregon consumers can view agent and company licensing information, learn about insurance regulations, view a list of available companies, and find disaster information.

Shop smart and save

When trying to cut insurance costs, you should never skimp on coverage in order to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that it was a big mistake. The ultimate goal is to find the BEST coverage at a price you can afford.

Affordable auto insurance is possible online in addition to many Coquille insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.