8 Discounts Ione Drivers Forget when Comparing Car Insurance

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than many other Oregon drivers.

Drivers have so many to buy insurance from, and though it is a good thing to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices before your policy renews since rates are constantly changing. If you had the lowest rates on your last policy there is a good chance you can find better rates now. Starting now, forget all the misinformation about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

Compare Ione Car Insurance Costs

There are several ways to compare rate quotes and find the best price. One of the best ways to find competitive insurance rates consists of shopping online. This is very easy and can be done in several different ways.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form eliminates the need for separate quote forms for each company. In just a few minutes this one form will return price quotes from many national carriers.
  2. A different way to compare rate quotes consists of visiting each individual company website and request a quote. For sake of this example, let's assume you want rates from , and . You would have to spend time on each company's site to enter your coverage information, which is why the first method is quicker.

    To view a list of companies in Ione, click here.
  3. The most time-consuming way of comparing rate quotes is driving around to different Ione agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you want the trained guidance of a licensed agent. It is possible to find lower rates online and still use a local agent and we'll cover that in a bit.

However you get your quotes, ensure you're using identical deductibles and coverage limits with every price quote. If each company quotes different values for each quote you can't possibly find the best deal in Ione. Slightly different coverages can result in a big premium difference. And when price shopping your coverage, comparing a large number of companies helps locate better pricing.

Take advantage of discounts

Companies that sell car insurance do not advertise all their discounts very clearly, so we break down some of the more common and also the lesser-known discounts you could be receiving.

  • Homeowners Pay Less - Owning a house in Ione can save you money because of the fact that having a home is proof that your finances are in order.
  • Claim Free - Claim-free drivers can save substantially as compared to accident-prone drivers.
  • Pay Upfront and Save - By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • College Student - Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Organization Discounts - Belonging to a qualifying organization may earn a discount on car insurance.
  • Drive Less and Save - Keeping the miles down can earn a substantially lower rate.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, car insurance companies aren't that generous.

To choose companies with the best car insurance discounts in Oregon, click here.

Are car insurance companies telling the truth?

Car insurance companies such as State Farm, GEICO and Progressive regularly use ads on TV and radio. They all seem to have a common claim about savings if you move your coverage to them. How does each company make the same claim? It's all in the numbers.

Different companies can use profiling for the type of customer that makes them money. For example, a desirable insured could be between 25 and 40, is a homeowner, and has great credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay a more expensive rate and this can result in business going elsewhere. The ad wording is "customers who switch" not "people who quote" save that much money. That's why companies can truthfully advertise the savings. Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict the company that will fit your personal profile best.

Even more information can be found at the Oregon Insurance Division website. Consumers can report car insurance fraud, read industry bulletins, view a list of available companies, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

Cheap car insurance is possible from both online companies as well as from independent agents in Ione, so you should compare both to have the best rate selection. There are still a few companies who don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, it's very important that you do not reduce coverage to reduce premium. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at the best price.