Tightwads Guide to Saving on Warrenton Auto Insurance

No one in their right mind likes having to buy auto insurance, especially knowing their premiums are too high.

With so many options when it comes to auto insurance, it can be hard to locate the best company.

Finding the best rates in Warrenton is quite easy. If you have car insurance now, you will be able to cut costs considerably using this strategy. Nevertheless, Oregon vehicle owners do need to know the way companies price online insurance because it can help you find the best coverage.

Are you getting all your discounts?

Companies offering auto insurance don't always publicize all available discounts very well, so we researched some of the best known as well as the least known discounts you could be receiving.

  • Multi-car Discount - Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • No Claims - Good drivers with no accidents pay much less when compared with drivers who are more careless.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education in school.
  • Fewer Miles Equal More Savings - Driving fewer miles could be rewarded with a substantially lower rate.
  • Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Life Insurance Discount - Larger companies have a break if you buy a life insurance policy as well.

Consumers should know that some credits don't apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, companies don't profit that way.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is a little different and your policy should reflect that. For instance, these questions might point out whether you might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What companies insure drivers after a DUI or DWI?
  • Is rental equipment covered for theft or damage?
  • Is my dog or cat covered if injured in an accident?
  • Are my tools covered if they get stolen from my vehicle?

If you can't answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

How can Allstate, GEICO and Progressive save drivers who switch?

Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. All the companies have a common claim of big savings if you switch your policy. But how can every company say the same thing?

All companies have a certain "appetite" for the right customer that earns them a profit. For instance, a profitable customer might be profiled as between the ages of 30 and 50, owns a home, and drives less than 10,000 miles a year. A propective insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile must pay higher rates and this can result in business not being written. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. That is how insurance companies can confidently advertise the way they do. This illustrates why you should get a wide range of price quotes. It's not possible to predict which company will provide you with the cheapest rates.

For more Oregon car insurance information

More tips and info about auto insurance is located at the Oregon Insurance Division website. Oregon drivers can report car insurance fraud, find out industry alerts, read consumer alerts, and read industry bulletins.

Also read more on this page for Oregon auto insurance and this page for help finding agents in Warrenton, OR.

Warrenton auto insurance quote

Affordable insurance is out there

Cost effective auto insurance can be found on the web in addition to many Warrenton insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut liability coverage limits only to discover later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.