How to Get Low-Cost Wilsonville Auto Insurance

Purchasing low-cost Wilsonville auto insurance online can seem to be somewhat difficult for consumers not familiar with online price comaprisons. With so many choices of companies competing online, how can consumers effectively compare every company to locate the cheapest rates?

It's important to compare rates on a regular basis because insurance rates are constantly changing. Despite the fact that you may have had the lowest price a few years ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you're about to learn one of the best ways to find great coverage at a great price.

This information will help educate you on the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Nevertheless, Oregon drivers do need to know the way companies compete online because it can help you find the best coverage.

You have some control over your rates

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with much lower annual insurance costs.

The following are a partial list of the pieces auto insurance companies consider when setting rates.

  • Teen drivers pay high rates - Teen drivers in Oregon are known to be more careless when driving so auto insurance rates are higher. Parents adding a teen driver to your auto insurance policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Being married is a good thing - Having a wife or husband can get you a discount on auto insurance. It means you're more mature and responsible and it's statistically proven that married drivers get in fewer accidents.
  • Traffic violations increase rates - Just one citation can boost insurance rates twenty percent or more. Careful drivers receive lower rates compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • More miles equals more premium - Driving more miles in a year's time the more you will pay for auto insurance. Most insurance companies apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • High deductibles save money - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, damage from fire, and burglary. The deductibles are how much you are required to spend in the event of a claim. The more you are required to pay out-of-pocket, the bigger discount you will receive.
  • Discounts for multiple policies - Many insurance companies will give a discount to customers who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to ensure the best deal.

Wilsonville auto insurance comparison

Auto Insurance Prices in Wilsonville, Oregon

There are multiple methods to compare auto insurance quotes, but one way is more efficient than others. You can spend your afternoon discussing policy coverages with insurance companies in Wilsonville, or you can utilize online quoting for quick rates.

Most of the larger companies belong to an insurance system that enables customers to only type in their quote data once, and at least one company then gives them pricing for coverage. This prevents consumers from doing quotation requests to each individual auto insurance company.

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

One minor caviat to getting quotes like this is you can't choose which providers to receive prices from. So if you want to choose from a list of companies to compare prices, we have a listing of low cost auto insurance companies in Oregon. Click to view list.

However you get your quotes, ensure you are comparing apples-to-apples coverage information for each comparison quote. If you use unequal deductibles or liability limits it will be next to impossible to determine the lowest rate in Wilsonville. Slightly different coverage limits may result in a large different in cost. Just remember that getting more free quotes gives you a better chance of getting the best offered rates.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but less common discounts must be manually applied before being credited.

  • College Student - Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Sign Online - A few companies will discount your bill up to fifty bucks simply for signing online.
  • Discount for New Cars - Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Air Bag Discount - Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Driver Safety - Successfully completing a course in driver safety could cut 5% off your bill if your company offers it.
  • Life Insurance Discount - Larger companies have a break if you buy life insurance.
  • Multiple Vehicles - Having multiple vehicles with the same company could earn a price break for each car.

It's important to understand that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce your premiums.

To choose companies who offer auto insurance discounts in Oregon, click here.

The auto insurance bait and switch

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to have a common claim of big savings after switching to their company. But how can every company make almost identical claims?

Insurance companies have a preferred profile for the driver that makes them money. For instance, a desirable insured could possibly be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. A driver that hits that "sweet spot" is entitled to the best price and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads state "people who switch" not "everyone that quotes" save that much. This is how insurance companies can confidently make the claims of big savings.

Because of the profiling, you need to get a wide range of price quotes. It is impossible to predict which insurance companies will fit your personal profile best.

Additional auto insurance information is located on the Oregon Insurance Division website through this link. Oregon consumers can read enforcement actions against agents and companies, get help finding coverage, and file complaints about a company.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Wilsonville.

The best insurance company isn't always the cheapest

As you shop your coverage around, don't be tempted to reduce coverage to reduce premium. There are many occasions where drivers have reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at an affordable rate.

Low-cost auto insurance can be bought online and also from your neighborhood Wilsonville agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

In this article, we presented a lot of techniques to compare auto insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may even discover the lowest rates come from a company that doesn't do a lot of advertising.