Find Low-Cost North Bend Auto Insurance

Are you intimidated by the number of auto insurance choices in North Bend? Lot's of other consumers are too. People have so many options that it can turn into a real challenge to compare prices.

It's important to compare prices every six months because insurance rates are constantly changing. Just because you found the best deal six months ago you may be paying too much now. So block out anything you think you know about auto insurance because you're about to learn the proper way to find lower rates on auto insurance.

Buying car insurance in North Bend is easy if you know what you're doing. If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to find better prices and possibly find even better coverage. Oregon vehicle owners just need to know the proper methods to get comparison quotes over the internet.

How to Compare Auto Insurance in North Bend, Oregon

Getting better auto insurance pricing doesn't have to be difficult. Just spend a few minutes on the computer comparing price quotes from different insurance companies. This can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do boring form submissions for every auto insurance company. Filling out one form gets you price quotes from all major companies. This is by far the quickest method.

A less efficient way to compare rate quotes requires visiting the website for each individual company to complete their respective quote request forms. For example, we'll pretend you want to compare rates from , and . To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular.

To view a list of companies in North Bend, click here.

The least recommended method to get comparison rates is to spend time driving to local North Bend insurance agencies. Buying insurance online makes this process obsolete unless you require the personal advice of a local North Bend agent. However, consumers can compare the best prices online and still use a local agent.

It's your choice how you get your quotes, but ensure you are comparing apples-to-apples quote information on every quote you get. If you compare mixed coverages it's impossible to determine which rate is truly the best in North Bend.

North Bend auto insurance quote

Good Decisions Result in Lower Rates

It's important that you understand the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get lower auto insurance prices.

  • Do you qualify for a multi-policy discount? - Many insurers give discounts to customers who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to ensure the best deal. You may still find a better deal by buying insurance from more than one company.
  • Don't sacrifice liability coverage - Liability coverage provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage starting from day one. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Women pay lower rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men tend to get into accidents at about the same rate, but men have costlier accidents. Men also receive more costly citations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Do you need the policy add-ons? - There are a ton of extra coverages you can purchase on your auto insurance policy. Things like roadside assistance, better glass coverage and term life insurance may be costing you every month. They may seem like a good idea when you first buy your policy, but if they're wasting money remove them from your policy.
  • Poor credit can mean higher rates - Your credit history is a important factor in calculating your auto insurance rates. So if your credit history is not that good, you could be paying less to insure your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Traffic violations increase rates - Your driving record has a big impact on rates. Even a single speeding ticket can boost insurance rates by twenty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state DMV in order to keep their license.

Take advantage of discounts

Companies offering auto insurance don't always advertise every available discount very well, so here is a list both well-publicized as well as the least known savings tricks you should be using. If you don't get every credit possible, you're just leaving money on the table.

  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Multiple Vehicles - Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • No Charge for an Accident - Some insurance companies will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Low Mileage - Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Discount for Good Grades - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Seat Belts Save - Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Federal Government Employee - Simply working for the federal government can save as much as 8% with certain companies.
  • Multi-policy Discount - When you have multiple policies with the same company you may save up to 20% off your total premium.
  • Early Switch Discount - Some insurance companies reward drivers for switching policies before your current policy expires. It's a savings of about 10%.

Drivers should understand that most discounts do not apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears it's possible to get free car insurance, companies wouldn't make money that way.

For a list of providers who offer auto insurance discounts in Oregon, click here to view.

More detailed Oregon auto insurance information is available at the Oregon Insurance Division website. Oregon consumers can read consumer alerts, find out which companies have the most complaints, and learn about insurance regulations.

Other useful links include BankRate.com's Car Insurance: When not to Skimp and this North Bend agent directory.

Best coverage at the best price

As you restructure your insurance plan, do not reduce needed coverages to save money. Too many times, someone sacrificed liability limits or collision coverage only to find out that they should have had better coverage. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Budget-conscious auto insurance can be sourced online and also from your neighborhood North Bend agents, so compare prices from both to have the best selection. Some insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

In this article, we presented many tips how you can lower your auto insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with some of the lesser-known companies.