Cheap Insurance Quotes for 4×4 Vehicles in Oregon

The words “low-cost” and “auto insurance” really shouldn’t be used in the same sentence, specifically when you are trying to find the best price on coverage for 4×4 vehicles. Let’s teach you some situations that help determine insurance premiums, and see if we can help you take the bite out of the next policy you buy.

Deciding which company offers the most affordable auto insurance rates for 4×4 vehicles requires a bit more work in order to find the best policy.

Every car insurance company has their own guidelines to determine rates, so we need to take a look at the auto insurance companies with the most affordable rates in Oregon. Keep in mind that Oregon auto insurance rates are impacted by many things which can substantially change your annual premium. Improving your credit rating, becoming a homeowner, or getting a DUI can produce rate changes resulting in some rates now being more affordable than before.

Find the Cheapest Auto Insurance for 4×4’s

Start Your Free Quote

Grange may have some of the cheapest car insurance rates in Oregon at around $715 a year. Oregon Mutual, Country, USAA, and Travelers also make the cut as some of the more affordable Oregon insurance companies.

As the example above demonstrates, if you have coverage with USAA and switched to Oregon Mutual, you might achieve savings of approxmiately $113. Drivers with Travelers could save as much as $124 a year, and State Farm policyholders might see rate reductions of $243 a year.

If you would like to find cheap insurance for 4×4 vehicles in Oregon, click here to get a free quote or click through to the companies below.

These premiums are averages for all drivers and vehicles in Oregon and and are not figured with a rate discount for 4×4 vehicles. So the company that is best for you may not even be shown in the rate chart shown above. That’s why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

One of the key criteria that impact rate quotes is your address. Areas that are densely populated or have higher claim frequency like Gresham, Beaverton, and Oregon City are more likely to have higher rates, whereas areas with less crime or weather claims have the luxury of lower rates.

The table below lists the more expensive cities in Oregon for 4×4 vehicles to buy auto insurance in.

Rate quotes are approximated as specific Oregon garaging address can change premiums considerably.

Liability-only versus full coverage

Finding cheap insurance for 4×4 vehicles in Oregon is important to most people, and one way to buy cheap insurance is to not buy comprehensive and collision coverage. The example below visualizes the comparison of auto insurance costs with liability coverage only compared to full coverage. The rate quotes are based on no accidents or driving violations, $100 deductibles, single status, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 4247,1281],[‘Age 30’, 2159,703],[‘Age 40’, 2157,651],[‘Age 50’, 1959,609],[‘Age 60’, 1895,599],[‘Age 70’, 2311,801]]);var options = {title: ‘Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Oregon’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all age groups, full coverage on your policy costs an additional $2,455 per year over and above liability coverage. That amount may make you wonder when is it safe to stop buying full coverage. There isn’t a written rule of when to phase out physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s say your vehicle’s replacement cost is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,500 after you pay the deductible. If it’s costing you more than $850 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

Discount Oregon insurance rates

Car insurance companies that provide cheap insurance for 4×4 vehicles in Oregon may have premium discounts that may potentially lower prices by 30% or more if you can meet the requirements. Larger auto insurance companies and a summarized list of policyholder discounts are outlined below.

The example below illustrates the comparison of auto insurance rates with and without discounts applied to the premium. The rate quotes are based on a female driver, no violations or claims, Oregon state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, defensive driving course, vehicle safety, accident-free, multiple policy, and anti-theft discounts applied. When drivers qualify for the discounts, the the amount saved on auto insurance for 4×4 vehicles 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 4×4 Vehicles’,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);}

Which car insurance company is best?

If you are shopping around for auto insurance for off-road vehicles in Oregon, the first places to look would be Allstate, Progressive, Geico, and State Farm. Each company has a distict selection of optional coverages and features that may affect your buying decision. The next table ranks some of the ratings and options shoppers can expect to find with each one.