Proven Techniques to Save on Medford Car Insurance

Scraping up a payment for overpriced car insurance can take a big chunk out of your bank account and force you to make sacrifices. Doing a price comparison is a great way to help make ends meet. Because there are so many car insurance companies to choose from, it can be hard to find the lowest price insurer.

Finding affordable coverage in Medford is easy if you know what you're doing. If you are insured now or are looking for a new policy, you will benefit by learning to get lower rates while maintaining coverages. Oregon vehicle owners just need to know the most effective way to compare company rates online.

What determines how much you pay?

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to lower car insurance prices.

  • Car features impact rates - Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Sex matters - Statistics have proven women tend to be less risk to insure than men. However, don't assume that women are better drivers. Women and men have accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like DUI and reckless driving.
  • Multi-policy discounts can save money - The majority of insurance companies provide better rates to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to make sure you are getting the best deal.
  • The type of vehicle makes a difference - The performance of the vehicle you are buying insurance for makes a huge difference in determining your rates. The lowest rates tend to be for lower performance four cylinder passenger cars, but there are many factors that impact the final cost.
  • Bad driving skills means higher rates - Good drivers have lower premiums than people who have multiple driving citations. Even a single ticket can increase rates by as much as thirty percent. If you have severe violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.

compare Medford car insurance rates

Free Quotes for Car Insurance in Medford, Oregon

Shopping for lower car insurance rates can be a lot of work if you don't understand the most efficient way to do it. You can spend your afternoon driving to insurance agencies in Medford, or you could save time and use the web to get the quickest rates.

Most of the larger companies participate in an industry program that allows shoppers to only type in their quote data once, and at least one company provides a quote for coverage. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The only downside to using this type of system is you are unable to specify which providers to get quotes from. So if you want to choose specific providers to compare, we have a page of car insurance companies in Oregon. View list of Oregon insurance companies.

Whichever method you choose, make darn sure you compare apples-to-apples deductibles and coverage limits on every quote. If you use different values for each quote it's not possible to make a fair comparison in Medford.

Be sure to get all your discounts

Car insurance companies don't always advertise every discount very well, so here is a list both the well known as well as the least known discounts you could be receiving. If you don't get every credit you deserve, you are paying more than you should be.

  • Pay Upfront and Save - By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for reduced rates.
  • Military Rewards - Being deployed with a military unit can result in better rates.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Save with a New Car - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Sign Early and Save - Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Good Student Discount - This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Paperwork-free - Certain companies may give you up to $50 for buying a policy and signing up online.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Government Employees - Employees or retirees of the government can save as much as 8% with a few car insurance companies.

Drivers should understand that some credits don't apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way.

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

Is there truth in advertising?

Consumers in Oregon can't ignore all the ads for car insurance savings by companies like State Farm, Allstate and GEICO. They all have a common claim that you'll save big if you move to them.

But how can every company claim to save you money?

All companies have a preferred profile for the type of driver that makes them money. An example of a driver they prefer might be a mature driver, insures multiple vehicles, and chooses high deductibles. Any driver that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will be quoted higher rates and this can result in the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save money. This is how companies can state the savings. This emphasizes why you need to get as many comparisons as possible. You cannot predict which insurance companies will give you the biggest savings.

How do I know if I need professional advice?

When buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine whether or not you would benefit from professional advice.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Am I covered when pulling a rental trailer?
  • Do I need PIP (personal injury protection) coverage in Oregon?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Oregon?
  • Does my liability insurance cover pulling a trailer or camper?

If you can't answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

More detailed Oregon car insurance information is available at the Oregon Insurance Division website. Visitors are able to view a list of available companies, learn about insurance regulations, read consumer alerts, and learn about specific coverages.

Other informative sites include this page for car insurance prices in Oregon and this list of insurance agents in Medford, OR.

Medford car insurance comparison

In the end, you save

When buying insurance coverage, do not reduce coverage to reduce premium. There have been many situations where drivers have reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

We just presented a lot of ways to compare car insurance prices online. The key concept to understand is the more providers you compare, the better chance you'll have of finding lower rates. You may even find the best price on car insurance is with the least-expected company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like .