Who Has the Cheapest Insurance Quotes for a Toyota Corolla in Oregon?

Anytime the topic is auto insurance, the word affordable really should not be used anywhere in the article as a descriptor for auto insurance rates. It’s a simple fact that cheap auto insurance for a Toyota Corolla just does not exist. But fear not, because we can show you some ways you can still find and buy coverage that doesn’t break your budget.

Your chances of buying affordable auto insurance for a Toyota Corolla in Oregon depends on a large number of factors like whether you own a home, your residence address, and any prior driving offenses. Drivers on average will pay $700 each year to insure their Corolla, but that amount is that rates a 40-year-old married male with both comprehensive and collision coverage and $1,000 deductibles.

Chances are good that you are not a 40-year-old male, maybe you are single instead of married, and maybe you want different deductibles. Just a slight change in price quote data can induce significant differences in the amount insurance costs for a Toyota Corolla.

This shows why the only way to find the cheapest coverage for your Toyota is to shop your policy around at every renewal. In just a few minutes you will be able to see rates from some of the most affordable companies that sell coverage in Oregon.

View Toyota Corolla Insurance Rates

The specific model of Corolla will have an impact the coverage cost, so the cost to insure a Corolla LE will be $18 cheaper than the price to insure the more costly Corolla XRS model, as shown by the rates below.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Table data does not factor in specific Oregon garaging location which can modify premiums substantially.

Choosing the best car insurance company can be a challenge considering how many companies there are to choose from in Oregon. The company ratings listed below could help you select which insurers you want to consider when shopping car insurance rates for a Toyota Corolla. These ratings include the largest companies in America, so companies that may only write in Oregon are not included in these rankings.

Top 10 Major Auto Insurance Companies Overall in Oregon

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Progressive
9. Allstate
10. Nationwide

Top 10 Major Auto Insurance Companies in Oregon Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. The General
5. Progressive
6. Allstate
7. AAA Insurance
8. American Family
9. Nationwide
10. Liberty Mutual

Top Companies for Toyota Corolla Insurance in Oregon

The illustration below highlights how deductible selection can increase or decrease insurance costs when getting quotes for cheap insurance for a Toyota Corolla. The rate quotes are based on a married female driver, full coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2565,2337,2081,1835],[‘Age 30’, 1801,1637,1449,1269],[‘Age 40’, 1779,1619,1437,1263],[‘Age 50’, 1555,1417,1261,1113],[‘Age 60’, 1483,1351,1201,1059],[‘Age 70’, 1603,1459,1303,1153]]);var options = {title: ‘Effect of Deductibles on Toyota Corolla Insurance Rates in Oregon’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Corolla’,minValue: 0,format: ‘$###,###’},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);}

As shown above, a 40-year-old driver could pocket $294 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $442 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, can save $730 every year just by using higher deductibles. When raising deductibles, it will be necessary to have plenty of savings on hand to be able to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Last year’s bargain might be this year’s rip off

Oregon auto insurance rates are based on many factors which can significantly increase or decrease the policy premium. Simply turning a year older, buying higher coverage limits, or getting into an accident may generate price changes resulting in some rates now being more affordable than competitors. Not only may your situation change, but car insurance companies amend premium rates multiple times each year to adjust for heavy claims or excess profits. Significantly higher losses can cause additional premium costs, while better underwriting can produce cheaper Corolla insurance rates.

For instance, the bar chart below shows the company with the cheapest car insurance in Oregon for a 35-year-old male driver with no violations or accidents, and a high credit rating. If we look at prices based on his current risk profile, Grange may have the most affordable car insurance rates in Oregon at $715 a year. This is $763 less than the average premium paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA are the remainder of the cheapest Oregon auto insurance companies.

google.charts.setOnLoadCallback(drawORWitcqcibChart);function drawORWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Grange’, 715, ‘#187C6B’],[‘Country’, 822, ‘#146759’],[‘Oregon Mutual’, 853, ‘#10554A’],[‘Travelers’, 924, ‘#0D463D’],[‘USAA’, 941, ‘#0A3A32’]]);var options = {title: ‘Best Cheap Car Insurance for a Toyota Corolla’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1041,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The chart below compares rates after we give the driver in the first chart an accident surcharge, a lower credit rating, and a speeding citation. Because each insurer has their own guidelines for determing rates in each state, analyzing rates could now result in a new list of affordable Oregon car insurance companies as shown below.

google.charts.setOnLoadCallback(drawORWcqcibChart);function drawORWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Country’, 1233, ‘#FF7100’],[‘Amica’, 1274.9, ‘#D45E00’],[‘GEICO’, 1296.9, ‘#B04E00’],[‘Allied’, 1296.9, ‘#924100’],[‘California Casualty’, 1339.8, ‘#793600’]]);var options = {title: ‘Best Rates with Accidents and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1439.8,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Country now has the best car insurance rate in Oregon with Amica, GEICO, Allied, and California Casualty now rounding out the top five. This shows why drivers need to shop around to get the best auto insurance rates for a Toyota Corolla. Insurance rates are impacted by many risk factors and can change without notice, so the cheapest option two years ago may now be quite expensive.

Find the cheapest insurance for a Toyota Corolla in Oregon

It’s not impossible to find cheaper rates, and here are some thrifty ideas that can help you buy cheaper coverage.

• Buy vehicles with good safety ratings
• Full coverage is expensive so only insure older vehicles for liability only
• Raise deductibles to save money
• Increase your credit rating
• Try to remain claim-free
• Bundle car and home insurance and save money
• Keep rates low by shopping around frequently

The last tip in the list is especially significant, as was affirmed in this piece. Car insurance rates can change considerably based on profitability, so drivers shouldn’t be resistant to buy from a different company if you can save money. We understand brand loyalty, but is isn’t recommended if that faithfulness ends up costing you several hundred dollars every year. If you have a few minutes, shop around and find cheaper car insurance for a Toyota Corolla.