Find Low-Cost Jefferson Auto Insurance

Are you intimidated by the number of auto insurance company choices in Jefferson? You're not alone. People have so many options that it can turn into a real challenge to find the best price.

How to Compare Auto Insurance Quotes in Jefferson, Oregon

Most major insurance companies allow you to get price estimates online. Getting online quotes is quite simple as you simply type in the coverages you want as detailed in the form. Behind the scenes, their system will obtain credit information and your driving record and quotes a price.

This streamlines rate comparisons, but having to visit different websites and fill out multiple forms gets old quite quickly. But it's very important to compare as many rates as possible in order to find the best price on auto insurance.

There is a better way!

A less time-consuming method to lower your rates requires only one form to obtain quotes from several different companies. The form is fast, eliminates form submissions, and makes online price comparison a lot less work. After your information is entered, it is rated and you are able to buy any or none of the returned quotes.

If a lower price is quoted, it's easy to complete the application and buy the new coverage. The entire process only takes a few minutes and could lower your rates considerably.

To quickly find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you have a policy now, it's recommended you replicate the limits and deductibles exactly as shown on your declarations page. This way, you're receiving an apples-to-apples comparison based on similar coverages.

How to Lower your Auto Insurance Rates

It's important that you understand some of the elements that come into play when calculating auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

Rates may be higher depending on your occupation - Careers like doctors, architects and stock brokers have the highest rates because of high stress and lengthy work days. On the other hand, occupations such as actors, students and the unemployed get better rates.
Liability insurance protects assets - The liability section of your policy provides coverage when a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
Too many auto insurance claims drive up costs - Companies in Oregon provide discounts to drivers who do not file claims often. If you are a frequent claim filer, you can look forward to higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
How many coverages with the same company - The majority of companies provide better rates to people who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to shop around to verify if the discount is saving money. Consumers may find a better deal by splitting coverages up.
Special features that cut premiums - Choosing a vehicle with an alarm system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your car from being stolen.
A clean driving record saves money - A bad driving record has a big impact on rates. Even one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don't get tickets have lower premiums than people who have multiple driving citations. If you have severe violations such as DUI or reckless driving may find they need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply when you quote, but some must be specifically requested prior to getting the savings.

Claim Free - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
Club Memberships - Affiliation with a professional or civic organization could qualify you for a break when shopping for auto insurance.
Federal Government Employee - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
Multiple Policy Discount - When you have multiple policies with one insurance company you may save up to 20% off your total premium.
Lower Rates for Military - Having a deployed family member can result in better rates.

It's important to note that most credits do not apply to all coverage premiums. Most cut individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, you're out of luck. But any discount will help reduce the cost of coverage.

For a list of insurance companies with the best auto insurance discounts in Oregon, follow this link.

More information is available on the Oregon Insurance Division website located here. Oregon drivers can read industry bulletins, find out which companies have the most complaints, and download brochures.

Other useful links include this online resource for auto insurance quotes in Oregon and this list of insurance agents in Jefferson.

Affordable insurance is out there

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, questionable increases in premium, extreme rates for teen drivers and policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

Lower-priced auto insurance is definitely available on the web as well as from independent agents in Jefferson, so compare prices from both to have the best rate selection. Some companies don't offer online quoting and these smaller companies work with independent agents.

While you're price shopping online, do not reduce needed coverages to save money. There are too many instances where someone sacrificed liability limits or collision coverage only to find out they didn't purchase enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.