Find the Cheapest Enterprise Car Insurance

Purchasing cheap Enterprise car insurance on the web is intimidating for consumers not familiar with online price comaprisons. Since there are so many online companies, how can consumers even start to compare every company to locate the best available price?

Be sure to get all your discounts

Companies that sell car insurance don't list all available discounts in a way that's easy to find, so we took the time to find both the well known and the more hidden ways to save on car insurance.

Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
Paperless Signup - Certain companies may give you up to $50 for buying your policy digitally online.
Senior Citizens - If you qualify as a senior citizen, you may be able to get better car insurance rates.
Government Employees - Active or retired federal employment can save as much as 8% depending on your company.
Student in College - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Driver Safety - Completing a defensive driving course could cut 5% off your bill if you qualify.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, car insurance companies aren't that generous.

Enterprise Rates are Influenced by These Factors

Smart consumers have a good feel for the rating factors that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels enables informed choices that could result in lower car insurance prices.

The following are a few of the "ingredients" car insurance companies consider when setting premiums.

Liability coverage protects you - Liability coverage is the protection if you are found liable for causing damage or personal injury in an accident. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
Being married can save on car insurance - Having a spouse can get you a discount on your car insurance policy. Having a spouse means you're more responsible and it's statistically proven that married drivers get in fewer accidents.
Men pay higher rates - Statistics have proven women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men have accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
Your car insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for car insurance? Occupations such as lawyers, executives and dentists tend to have the highest average rates attributed to high stress levels and lengthy work days. Other occupations like pilots, historians and performers receive lower rates.
Older drivers pay less - More mature drivers are more responsible, tend to file fewer claims and are safer drivers. Youthful drivers are known to be more careless when driving and because of this, their car insurance rates are much higher.
Extra coverages can waste money - There are a ton of add-on coverages that you can get tricked into buying when buying car insurance. Insurance for vanishing deductibles, accidental death and term life insurance may be wasting your money. These may sound like a good investment at first, but if they're wasting money eliminate the coverages to reduce your premium.

Is there truth in advertising?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies make the same claim about savings after switching to their company. How can each company claim to save you money?

All companies have a preferred profile for the driver that earns them a profit. For example, a profitable customer might be over the age of 40, insures multiple vehicles, and has great credit. Any driver who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements must pay more money which leads to the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the savings. This illustrates why drivers should get quotes from several different companies. You cannot predict which insurance companies will fit your personal profile best.

Even more information can be found at the Oregon Insurance Division website. Visitors are able to find out which companies have the most complaints, get help finding coverage, and learn about insurance regulations.

Do the work, save more money

Cheap car insurance can be bought both online and also from your neighborhood Enterprise agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, it's a bad idea to skimp on coverage in order to save money. In too many instances, drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Insureds change insurance companies for many reasons like lack of trust in their agent, an unsatisfactory settlement offer, denial of a claim and even high rates after DUI convictions. Regardless of your reason, finding the right car insurance provider is less work than it seems.