Who Has the Cheapest Auto Insurance Quotes for Teachers in Oregon?

We all have different tastes in cars, and the vehicle needing coverage is probably the most important factor that determines if you can find economical car insurance for teachers. Vehicles with lots of horsepower, a lack of safety features, or high incidents of liability claims will cost substantially more to insure than safer models.

The lists below illustrates car insurance premiums for some of the most affordable automobiles to insure.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can change rates considerably.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in garaging location in Oregon which can increase or decrease insurance rates significantly.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in specific garaging location which can alter auto insurance rates significantly.

For teachers and educators, one of the big considerations that impact insurance cost is where your home is located in Oregon. Larger areas like Gresham, Oregon City, and Aloha likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.

The next table sorts the most expensive areas in Oregon for teachers to buy an auto insurance policy in.

Prices are approximated as the specific zip code location can increase or decrease auto insurance rates greatly.

The information below shows how choosing a deductible can affect yearly insurance costs when getting quotes for cheap insurance for teachers. The premiums assume a married male driver, full coverage, and no additional discounts are factored in.

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As shown above, a 50-year-old driver could reduce rates by $222 a year by switching from a $100 deductible to a $500 deductible, or save $336 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could save as much as $740 or even more by using a higher deductible.

If you do raise deductibles, it is essential to have enough spare savings to be able to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.