Consumer Tested Strategies to Save on John Day Auto Insurance

Are you tired of trying to scrape together enough money each month for car insurance? You're in the same situation as the majority of other car owners in Oregon.

With consumers having so many choices of insurance companies, it can be diffult for consumers to locate the best insurance company.

These discounts can lower your rates

Insurance can be prohibitively expensive, but companies offer discounts that many people don't even know exist. A few discounts will automatically apply at quote time, but less common discounts must be asked for in order for you to get them.

Fewer Miles Equal More Savings - Driving fewer miles can earn discounted rates on garaged vehicles.
Military Discounts - Being on active duty in the military could mean lower rates.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
Auto/Home Discount - If you have multiple policies with one insurance company you will save up to 20% off your total premium.
Seat Belts Save - Drivers who require all occupants to buckle their seat belts can save 10% or more off your PIP or medical payments premium.

It's important to note that most discount credits are not given to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you're out of luck. But any discount will help reduce the cost of coverage.

Are you falling for claims of savings?

21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies make an identical promise that you can save if you switch your policy. But how can every company say the same thing? It's all in the numbers.

All companies can use profiling for the right customer that earns them a profit. For example, a profitable customer might be profiled as between 30 and 50, has no tickets, and has great credit. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile must pay more money and ends up with business not being written. The ad wording is "customers who switch" not "everybody who quotes" save that kind of money. That's why insurance companies can advertise the savings.

This illustrates why you should compare as many rates as you can. It's not possible to predict the company that will give you the biggest savings.

More Oregon auto insurance information

More information can be found on the website for the Oregon Insurance Division found here. Oregon drivers can find disaster information, view a list of available companies, find out industry alerts, and read consumer alerts.

Also read more on this page for auto insurance prices in Oregon and this page of John Day insurance agents.

Affordable insurance is out there

Lower-priced auto insurance can be found on the web in addition to many John Day insurance agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.