Best Way to Find the Cheapest Tigard Auto Insurance

Are you overwhelmed by the wide range of auto insurance options in Tigard? Lot's of other consumers are too. There are so many options that it can turn into a challenge to find the lowest price.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. The purpose of this post is to tell you the most effective way to quote insurance and some tricks to saving. But Oregon drivers do need to know the methods companies use to sell online.

Quick Tigard Auto Insurance Quotes

There are several ways to compare auto insurance prices but one way is less time-consuming than others. You could spend your day talking about coverages with agents in Tigard, or you could use the internet to get rate comparisons in just a few minutes.

All the larger companies participate in a marketplace that allows shoppers to submit one quote, and every company provides a quote based on that information. This eliminates the need for quote requests to each individual auto insurance company.

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

The one disadvantage to using this type of form is that you can't choose which companies to get quotes from. So if you want to select specific insurance companies for rate comparison, we have a page of companies who write auto insurance in Oregon. Click here to view list.

It doesn't matter which method you choose, just compare exactly the same quote information for every company. If the quotes have mixed coverages then you won't be able to decipher which rate is best in Tigard. Just a small difference in insurance coverages could mean much higher rates. Just keep in mind that having more price comparisons will improve the odds of getting a better price.

Understand what determines the rate you pay

It's important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

Shown below are some of the items that factor into prices.

Lower rates with optional equipment - Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
Drive a safer car and pay less - Vehicles with good safety scores are cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts and more competitive rates for policyholders.
Don't sacrifice liability coverage - Your policy's liability coverage provides coverage when a court rules you are at fault for damages caused by your negligence. It provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
Do you work long hours in a high stress job? - Careers like real estate brokers, architects and dentists are shown to have the highest average rates due to stressful work requirements and lots of time spent at work. Other occupations like actors, historians and retirees pay the least.
Clean credit earns discounts - Having a bad credit score is a big factor in calculating your auto insurance rates. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit ratings. If your credit history is low, you could be paying less to insure your by improving your credit score.
Adjust deductibles and save - Your deductibles define the amount you are willing to pay out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered could be running into the backend of another car, damage from fire, and burglary. The more expense the insured has to pay upfront, the less your auto insurance will be.
More claims means more premium - Companies in Oregon provide cheaper rates to people who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is designed for the large, substantial claims.

Be sure to get all your discounts

Insuring your fleet can be pricey, but companies offer discounts that you may not know about. Most are applied at quote time, but some may not be applied and must be requested specifically in order for you to get them.

Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class if offered at their school.
Low Mileage Discounts - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Club Memberships - Participating in a civic or occupational organization could qualify you for a break when shopping for auto insurance.
No Claims - Drivers with accident-free driving histories pay less when compared to frequent claim filers.
Military Discounts - Having a deployed family member could be rewarded with lower premiums.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
Passive Restraints - Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
Homeowners Discount - Simply owning a home may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
Federal Government Employee - Simply working for the federal government may qualify you for a discount with a few auto insurance companies.
Discount for Swiching Early - Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.

Drivers should understand that most credits do not apply the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will reduce the amount you have to pay.

For a list of insurance companies with discount auto insurance rates in Tigard, follow this link.

Much more information about auto insurance in Oregon can be read on the Oregon Insurance Division website found here. Oregon consumers can view a list of available companies, find disaster information, and find out which companies have the most complaints.

Affordable insurance is out there

Consumers leave their current company for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, questionable increases in premium and high rates after DUI convictions. Regardless of your reason, finding a new auto insurance company is not as hard as you think.

Budget-conscious auto insurance can be sourced online in addition to many Tigard insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and these small insurance companies work with independent agents.

As you restructure your insurance plan, it's a bad idea to reduce needed coverages to save money. There have been many situations where an insured dropped full coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.