Consumers who are new to buying insurance online might discover buying low-cost Forest Grove auto insurance is not as easy as it seems.
Consumers need to check auto insurance prices on a regular basis because rates trend upward over time. Despite the fact that you may have had the best price two years ago you will most likely find a better rate today. So just ignore everything you know about auto insurance because you’re going to learn the easiest way to find lower rates on auto insurance.
How to Get Forest Grove Auto Insurance Comparison Quotes
The are a couple different ways to get quotes from different in Forest Grove, ORinsurance companies. One of the best ways to compare insurance prices is to perform an online rate comparison. This can be done using a couple different methods.
The fastest way consumers can analyze rates is to use a rate comparison form click to view form in new window. This form keeps you from doing separate quotes for every auto insurance company. Taking the time to complete one form gets you coverage quotes from several companies. It’s the fastest way to compare.
A more time consuming way to get comparison quotes is to take the time to go to each company website to request a price quote. For sake of this example, we’ll pretend you want to compare rates from Farmers, Progressive and State Farm. To find out each rate you need to visit each site to enter your coverage information, and that’s why the first method is more popular.
For a list of links to insurance companies in Forest Grove, click here.
It’s your choice how you get your quotes, but ensure you are comparing identical coverages on every quote you get. If you are comparing different deductibles it’s not possible to make an equal comparison in Forest Grove. Slightly different insurance coverages can make a big difference in price. And when quoting auto insurance, remember that comparing a large number of companies gives you a better chance of getting the best price.
Cut your premium with these ten discounts
Auto insurance companies don’t list all available discounts in a way that’s easy to find, so we researched some of the more common and the more hidden discounts you could be receiving.
- Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
- Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
- Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
- Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in school.
- Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
- Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
- Military Rewards – Having a deployed family member may qualify for rate reductions.
- New Vehicle Savings – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
- Early Switch Discount – A few companies offer discounts for switching policies before your current expiration date. It’s a savings of about 10%.
It’s important to note that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.
To choose insurers who offer auto insurance discounts in Forest Grove, click here.
Additional detailed information can be found at the Oregon Insurance Division website. Oregon drivers can get help finding coverage, view a list of available companies, view agent and company licensing information, and read consumer alerts.
Auto insurance specifics
Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your vehicle.
Since a lot of drivers have only the minimum liability required by law (25/50/20), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a bird, damage from a tornado or hurricane and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Auto liability insurance – This coverage will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.
Liability coverage protects against claims like loss of income, bail bonds, attorney fees and structural damage. How much coverage you buy is a personal decision, but consider buying higher limits if possible. Oregon state law requires minimum liability limits of 25,000/50,000/20,000 but it’s recommended drivers buy higher limits.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, hospital visits, dental work and surgery. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible
Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.
Best coverage at the best price
You just learned many ideas to get a better price on auto insurance. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. Consumers may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising.
Cost effective auto insurance is attainable from both online companies and with local Forest Grove insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.
Insureds who switch companies do it for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, denial of a claim or even an unsatisfactory settlement offer. No matter why you want to switch, switching companies is not as hard as you think.