Comparing the Cheapest Oregon Auto Insurance

Are you tired of not being able to afford each month for car insurance? You are in the same boat as many other Wisconsin drivers. Online insurance companies like GEICO and Progressive promote their brand names with ad campaigns and it can be hard to sift through the bull and effectively compare rates to find the best deal.

How to Compare Oregon Auto Insurance Rates

There are multiple methods you can shop for auto insurance but some are more efficient than others. You could spend your day discussing policy coverages with agents in Oregon, or you could save time and use the web to get rate comparisons in just a few minutes.

All the larger companies belong to a marketplace that enables customers to complete one form, and at least one company returns a competitive quote for coverage. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is that you can't choose which companies to get quotes from. So if you prefer to pick specific providers for rate comparison, we put together a list of auto insurance companies in Wisconsin. View list of Wisconsin insurance companies.

It's your choice how you get your quotes, but ensure you're using exactly the same coverages for each comparison quote. If you use different limits and deductibles on each one it will be impossible to determine the lowest rate in Oregon.

How to Lower your Auto Insurance Rates

It's important that you understand the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

The list below includes a partial list of the pieces used by your company to calculate prices.

Always keep insurance in force - Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a revoked license or a big fine.
Rates may be higher depending on your occupation - Careers like judges, business owners and dentists have the highest average rates because of high stress levels and lengthy work days. Other jobs such as farmers, historians and the unemployed get better rates.
Bump up deductibles to save - Deductibles for physical damage define the amount you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, vandalism, and burglary. The more you have to pay, the less your company will charge you for insurance.
Traffic violations increase rates - A bad driving record has a huge affect on how much you pay. Even one citation can bump up the cost by twenty percent. Drivers who don't get tickets have lower premiums than people who have multiple driving citations. If you have severe violations like DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
Pay less after the wedding - Having a wife or husband actually saves money on your policy. Having a significant other translates into being more responsible and it's proven that drivers who are married are more cautious.
Liability coverage protects you - The liability section of your policy will protect you when a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
Frequent auto insurance claims increase rates - Companies in Wisconsin award cheaper rates to insureds who do not file claims often. If you frequently file small claims, you can pretty much guarantee higher rates. Auto insurance is designed for major claims that would cause financial hardship.
Do you know you're credit rating? - Having a bad credit rating is a important factor in your rate calculation. People with high credit ratings tend to be more responsible than drivers who have lower ratings. Therefore, if your credit history can use some improvement, you could be paying less to insure your by improving your credit score.

Don't pay full price with these discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Most are applied when you purchase, but less common discounts must be asked for before being credited. If you aren't receiving every discount available, you're just leaving money on the table.

Seat Belts Save - Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
Claim Free - Claim-free drivers pay much less when compared to frequent claim filers.
Homeowners Pay Less - Simply owning a home can help you save on auto insurance because of the fact that having a home shows financial diligence.
Good Students Pay Less - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
One Accident Forgiven - A handful of insurance companies will forgive one accident without raising rates if your claims history is clear prior to the accident.
Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will reduce your premiums.

For a list of insurance companies with the best auto insurance discounts in Oregon, click here to view.

Additional information is located on the website for the Wisconsin Office of the Commissioner of Insurance located here. Wisconsin consumers can find a variety of consumer forms, read industry bulletins, report car insurance fraud, and file complaints about a company.

In the end, you save

Cheap auto insurance is definitely available online as well as from independent agents in Oregon, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who don't offer online quoting and these small, regional companies work with independent agents.

In this article, we presented many tips how you can lower your auto insurance rates. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a small local company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as .