Cheap Auto Insurance for Safe Drivers in Oregon

Our content editors always give us grief that when writing about car insurance, the words “affordable” or “cheap” shouldn’t be used as a descriptor for auto insurance rates. It’s just a fact that cheap auto insurance for safe drivers is not easy to find. But don’t let that discourage you, because we are going to show you how you can find car insurance that is more affordable than your current policy.

The vehicle model on the policy is one of the largest factors that determines whether or not you find the best auto insurance for safe drivers. Vehicles with lower acceleration and performance, a great safety record, or low incidents of liability claims will cost less to insure than adrenaline junky models.

The list below ranks car insurance costs for a selection of the most cost-effective automobiles to insure in Oregon.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in garaging location in Oregon which can alter coverage rates significantly.

Based upon the table data, you can presume that makes and models like the Ford Escape, Honda Accord, Subaru Forester, Toyota Prius, and Honda CR-V are most likely going to be a few of the most economical vehicles to insure for good drivers.

Determining which insurers offer the most affordable car insurance rates for safe drivers will take a little more work in order to find the best price. Each auto insurance company has their own formula for setting prices, so we need to take a look at the car insurance companies with the overall best prices in Oregon.

It’s important that you understand Oregon car insurance rates are impacted by many factors that will increase or decrease the cost of having a policy. Getting older, getting divorced, or having an accident can produce rate changes that can make some companies cheaper than before.

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Grange may offer some of the best car insurance rates in Oregon at around $715 per year. Oregon Mutual, Country, Travelers, and USAA also qualify as some of the best Oregon insurance companies.

As shown in the rates above, if you currently have coverage with Travelers and switched to Grange, you might achieve savings of about $199. Drivers with USAA might save as much as $226 a year, and State Farm policyholders might lower prices by $346 a year.

To find cheap auto insurance for safe drivers in Oregon for your vehicle, click here to get a free quote or visit several of the following companies.

Understand that those policy prices are averages across all types of drivers and the different vehicles they drive and and are not calculated with a rate decrease for safe drivers. So the company that can offer you the best rate may not even be featured in the above rate chart. That point stresses why you need to get quotes using your own individual information.

Careless driving habits raise car insurance rates

The ideal way to maintain the best car insurance rates in Oregon for good drivers is to drive safely and not have accidents or get tickets. The chart below demonstrates how traffic citations and accidents can affect insurance costs for each different age category. Data assumes a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

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The chart shows that the average cost of auto insurance per year with no accidents or violations is $1,568. Get two speeding tickets and the average cost swells to $2,167, an increase of $599 each year. Then add one accident along with the two speeding tickets and the 12-month cost of car insurance for safe drivers goes up to an average of $2,767. That’s an increase of $1,199, or $100 per month, just for a couple of infractions!

Cheap insurance quotes for good drivers

You have a lot of ways to find affordable car insurance in Oregon, but the most common ways are through an exclusive insurance agency such as State Farm or Allstate, an independent agent, or from a direct company like Geico. Each way has the same basic steps, but buyers need to know the differences in how they function.

Independent agencies work with multiple companies and can compare rates with each one. These agents have the ability to give you more rate choices, which can help you get improved odds of finding cheaper coverage. If they find a lower price, they can switch companies in-house without having to get a different agent.

Exclusive agencies are only able to write business for a single company, two of the more popular are an Auto-Owners or Allstate agent. Exclusive agents cannot quote prices from more than just one company, so if their prices are high, they cannot shop around.

Choosing to buy car insurance direct means you skip a local agent and instead shop from a direct company like Esurance or Geico. This option is good for people who have lower risk management needs and have an above average understanding of what car insurance covers.

What is the best method for finding cheap auto insurance for safe drivers in Oregon? We would first guess that buying direct saves the most money since no commissions are paid to an agent, but unfortunately, it’s not that simple. An argument could also be made that buying from an independent agent is the best way to save due to having more companies to select from, but again, it’s not necessarily true. And sometimes, exclusive agencies may have prices that cannot be beaten by either independent or direct companies.

Because there are so many factors that make up car insurance rates, the best method to get rock-bottom rates is to compare, compare, and compare some more. Be sure to get prices from all three types to have the best selection of rates to choose from. For a list of companies with cheap rates in Oregon, click here to view.