Who Has Cheap Car Insurance for Good Drivers in Oregon?

When shopping for cheaper auto insurance for safe drivers, one of the many considerations that is looked at to determine auto insurance rates is where your home is located. Cities that have higher claim levels or more people like Gresham, Oregon City, and Forest Grove likely pay more, whereas areas with less people or fewer weather incidents have the benefit of cheap auto insurance for good drivers in Oregon.

The table below illustrates the most expensive cities in Oregon for good drivers to purchase auto insurance in.

Rate information is estimated as specific location information can increase or decrease insurance rates noticeably.

The make and model of vehicle that is being insured is probably the largest consideration that determines whether or not you can buy cheap auto insurance for good drivers in Oregon. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models. The list below features insurance rates for some of the most affordable vehicles to insure in Oregon.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific garaging location which can affect coverage prices substantially.

Based on these rates, you can assume that vehicles like the Ford Edge, Honda Accord, Ford Escape, and Honda CR-V are likely to be a few of the cheapest vehicles to insure for safe drivers.

Determining which company has the best auto insurance rates for good drivers will involve a little more sweat in order to find the most economical policy. Every insurance provider uses different criteria to set premium rates, so we’ll take a look at the overall cheapest auto insurance companies in Oregon.

It’s important to know that Oregon auto insurance rates are influenced by many factors that can increase the cost of a policy. Simply having another birthday, buying a new vehicle, or getting a couple of tickets can trigger changes in premium resulting in some companies being cheaper than before.

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Grange normally has some of the most affordable car insurance rates in Oregon at around $694 a year. Country, Oregon Mutual, Travelers, and USAA would also make the list of some of the cheapest Oregon insurance companies.

As the rates illustrate above, if you are currently insured with Travelers and switched to Country, you might realize an annual premium reduction of upwards of $111. Oregon drivers with USAA could save as much as $119 a year, and State Farm customers might see rate reductions of $209 a year.

Understand that those rates are averages across all insureds and vehicles and do not factor in a rate decrease for good drivers. So the company that fits you best may not even be shown in the list of companies shown earlier. That points out the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.

Types of discounts on Oregon insurance

Insurance providers that offer cheap auto insurance for good drivers in Oregon could also offer special discounts that can lower rates by as much as 30% if you qualify. Larger auto insurance companies and some of their more popular discounts are detailed below.

The diagram below illustrates the comparison of premium costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no accidents, no driving violations, Oregon state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, marriage, multiple policy, homeowner, claim-free, and accident-free discounts applied. When these discounts are applied to the policy premium, the the average yearly reduction on auto insurance for good drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2125,1531],[‘Age 30’, 1457,1057],[‘Age 40’, 1357,985],[‘Age 50’, 1189,861],[‘Age 60’, 1151,833],[‘Age 70’, 1345,973]]);var options = {title: ‘Insurance Rate Comparison for Good Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The information below illustrates how choosing a deductible can change insurance rates when searching for cheap insurance for good drivers. The premium estimates are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3441,3159,2849,2561],[‘Age 30’, 2363,2161,1931,1713],[‘Age 40’, 2193,2007,1801,1603],[‘Age 50’, 1919,1759,1577,1403],[‘Age 60’, 1857,1699,1525,1357],[‘Age 70’, 2175,1995,1801,1617]]);var options = {title: ‘Impact of Higher Deductibles on Insurance Cost in Oregon’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could cut expenses by $342 a year by increasing from a $100 deductible up to a $500 deductible, or save $516 by switching to a $1,000 deductible. Young drivers, like the 20-year-old example, could potentially save $880 or more by choosing a higher deductible. When increasing deductibles, it will be important to have enough savings set aside to offset the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Tips to find more affordable car insurance for good drivers

The list below summarizes many penny-pinching ideas that can help Oregon drivers find the cheapest auto insurance.

• Higher physical damage deductibles lower rates
• Save money by observing traffic laws and speed limits
• Drive vehicles with five-star safety ratings
• Clean up your credit
• Do not get into accidents that are your fault
• Drop full coverage on older vehicles
• Shop around for lower rates once a year

That last piece of advice is highly important, as was discussed in this article. Insurance prices in Oregon change frequently, so don’t be hesitant to buy from a different company if a cheaper rate is available.

Sticking with a specific company is fine, but it’s not a great idea if that devotedness results in you overpaying thousands of dollars over the life of your policy. In just a couple of minutes you could compare prices and find cheaper insurance for good drivers.