Easy Ways to Spend Less on Cottage Grove Car Insurance

If price shopping car insurance online is new to you, it's easy to be confused by the sheer number of car insurance companies selling insurance in Cottage Grove.

It's important to check car insurance prices occasionally since rates are constantly changing. Just because you had the lowest price on your last policy there may be better deals available now. Don't believe everything you read about car insurance on the internet, so we're going to give you some great ways to stop overpaying for insurance.

Oregon car insurance

Be sure to get all your discounts

Companies offering auto insurance do not advertise every available discount very clearly, so we researched both the well known and also the lesser-known discounts you could be receiving.

  • Early Signing - Some companies give discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Good Student - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Life Insurance Discount - Some companies give a discount if you purchase life insurance.
  • Multi-policy Discount - When you have multiple policies with one company you may earn at least 10% off all policies.

Keep in mind that some credits don't apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So when the math indicates adding up those discounts means a free policy, it just doesn't work that way.

For a list of providers offering car insurance discounts in Oregon, click here.

Cottage Grove Car Insurance Quote Comparison

There are several ways to shop for car insurance, but one way is more efficient than others. You can waste hours discussing policy coverages with agents in Cottage Grove, or you could use online quoting to get prices fast.

Most car insurance companies participate in an industry program that allows shoppers to enter their coverage request one time, and at least one company can provide price quotes for coverage. This prevents consumers from doing quotation requests to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The single downside to getting quotes like this is you can't choose the companies you will receive quotes from. If you would rather choose from a list of companies for rate comparison, we have assembled a list of companies who write car insurance in Oregon. Click here for list of insurance companies in Oregon.

Whichever method you choose, make absolute certain that you use identical coverages and limits for each comparison quote. If you use different deductibles you can't possibly determine the lowest rate in Cottage Grove. Slightly different limits can make a big difference in price. And when quoting car insurance, remember that quoting more helps you find a lower rate.

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Your needs are not the same as everyone else's.

For example, these questions might point out whether or not you might need an agent's assistance.

  • Does my car insurance cover rental cars?
  • Does my insurance cover a custom paint job?
  • Should I buy only the required Oregon minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • When do I need to add a new car to my policy?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

The best insurance company isn't always the cheapest

We just covered a lot of ways to get a better price on car insurance. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small mutual company.

When you buy insurance online, make sure you don't sacrifice coverage to reduce premiums. There have been many cases where an insured cut collision coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Affordable car insurance is available both online and with local Cottage Grove insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.