Best Cheap Car Insurance for Low Income Drivers in Oregon

Since we’re writing about car insurance, the word cheap shouldn’t be used anywhere to describe car insurance prices. Forgive the oxymoron, but cheap auto insurance for low income drivers can be hard, if not impossible, to find. But don’t let us ruin your dream, because we can show you some ways you can get coverage that is cheaper than what you have now.

Shopping around for reasonably-priced car insurance is easier said than done, and deciding which companies have the most affordable auto insurance rates for low income drivers involves more quotes for comparison. Each auto insurer uses slightly different criteria for filing rates in each state, so we need to take a look at the auto insurance companies that tend to have lower prices in Oregon.

It’s a good idea to be aware that Oregon auto insurance rates are influenced by many factors that can increase the price you have to pay. This is why it is important to take the time to shop around when trying to find the best auto insurance quotes for low income drivers. Rates are determined by many risk factors and can change substantially, so the cheapest option the last time you checked may now be an over-priced policy.

Best Car Insurance Prices in Oregon

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Grange generally has some of the lowest car insurance rates in Oregon at around $687 a year. Country, Oregon Mutual, USAA, and Travelers would also be considered some of the most economical Oregon car insurance companies.

In the above rates, if you currently buy coverage from Oregon Mutual and switched to Grange, you may realize an annual premium reduction of roughly $166. Oregon drivers with USAA might save as much as $254 a year, and Travelers customers might cut rates by $265 a year.

To compare your rates to other Oregon insurance companies, click here to begin a quote or visit several of the following companies.

It’s important to note that these policy prices are averages across all types of insureds and vehicles and are not factoring in a price discount for low income drivers. So the insurer that is most affordable for your situation may not even be shown in the list of companies above. That helps illustrate why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

When shopping for cheaper insurance for poor drivers, one of the many components used to establish the amount you pay for auto insurance is your zip code in Oregon. Larger areas like Gresham, Lake Oswego, and Oregon City tend to have more expensive auto insurance rates, whereas areas that are not as densely populated have the benefit of cheaper auto insurance prices.

The following table ranks the highest-priced areas in Oregon for low income drivers to purchase auto insurance in.

Premium costs are approximated as specific Oregon zip code can affect premiums significantly.

Illustration showing the impact of accidents and violations

A great way to score the best cheap car insurance for low income drivers in Oregon is to drive safely and avoid at-fault accidents and violations. The chart below highlights how traffic violations and at-fault claims can raise insurance prices for different ages of insureds. The premiums are based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 3159,3889,6603],[‘Age 30’, 2161,2893,5609],[‘Age 40’, 2007,2739,5457],[‘Age 50’, 1759,2487,5205],[‘Age 60’, 1699,2431,5147],[‘Age 70’, 1995,2721,5441]]);var options = {title: ‘Effect of Tickets and Accidents on Oregon Auto Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Oregon’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of an auto insurance policy in Oregon per year with no accidents and a clean driving record is $2,130. Receive two speeding tickets and the average cost surges to $2,860, an increase of $730 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for low income drivers jumps again to an average of $5,577. That’s an increase of $3,447, or $287 per month, just for being a less-than-perfect driver!

Types of discounts on Oregon car insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-low-income-drivers-or.jpg" alt="Cheaper Oregon auto insurance for poor drivers” />Car insurance companies that sell the best cheap car insurance for low income drivers in Oregon may have policy discounts that could reduce prices by as much as 35% if you are eligible to receive them. A few popular companies and some of their more popular discounts are detailed below.

The chart below illustrates the difference between car insurance costs with and without discounts. The price estimates are based on a male driver, no violations or claims, Oregon state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, anti-theft, safe-driver, claim-free, and passive restraint discounts applied. When these discounts are applied, the the amount saved on auto insurance for low income drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3061,2193],[‘Age 30’, 1591,1149],[‘Age 40’, 1557,1121],[‘Age 50’, 1425,1029],[‘Age 60’, 1381,997],[‘Age 70’, 1729,1243]]);var options = {title: ‘Effect of Discounts on Insurance Rates for Low Income 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: [‘#6791b9’, ‘#98bee2’],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);}

Geico, Allstate, Progressive, and State Farm: Who is cheapest?

If you want reliable car insurance for poor drivers in Oregon, the first places to look would be Geico, Allstate, Progressive, and State Farm. If you combine them together, they insure nearly half of all car insurance policies in America. The data below compares and contrasts pricing and service ratings, plus some optional coverages that are available for buyers.