5 Must-Know Tips When Shopping for Cottage Grove, OR Car Insurance

When shopping for more affordable insurance, are you confused by the dozens of car insurance providers in your area? People have so many providers to choose from that it can easily turn into hard work to find the best rates. If you’ve ever been there, you know that Cottage Grove is a wonderful place to live, but expensive car insurance premiums can make it difficult for lots of drivers to afford enough coverage.

Smart consumers take time to compare prices occasionally because prices fluctuate regularly. Just because you had the best deal last year a different company probably has better rates today. Forget all the misinformation about car insurance because we’re going to show you the fastest way to lower your annual insurance bill.

The method we recommend to compare insurance rates from multiple companies takes advantage of the fact all the major auto insurance companies actually pay money for the chance to give you rate quotes. All consumers are required to do is provide a little information including how many miles driven, if a SR-22 is required, how much school you completed, and whether you have decent credit. That rating information gets sent immediately to insurance companies and you should receive rate quotes with very little delay.

To compare rates now, click here then complete the form.

More affordable rates with these car insurance discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you get a quote, but a few need to be requested specifically in order for you to get them.Oregon insurance prices

  • Telematics Discount – Policyholders that allow their company to monitor their driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if their driving habits are good.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Discounts for Responsible Drivers – Accident-free drivers can pay as much as 50% less compared to accident prone drivers.
  • Driver Training Discounts – Taking time to complete a defensive driving course is a good idea and can lower rates and also improve your driving technique.
  • Senior Citizen Rates – Seniors are able to get a small decrease in premiums.

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. Even though it appears you can get free auto insurance, nobody gets a free ride.

A few popular companies and some of the premium reductions they offer can be found below.

  • State Farm has discounts for driver’s education, Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, student away at school, multiple policy, and good student.
  • Geico policyholders can earn discounts including multi-vehicle, military active duty, daytime running lights, air bags, and good student.
  • Liberty Mutual offers discounts for newly married, exclusive group savings, newly retired, multi-car, and multi-policy.
  • The Hartford may have discounts that include defensive driver, air bag, bundle, anti-theft, driver training, and vehicle fuel type.
  • MetLife has savings for multi-policy, defensive driver, good student, accident-free, claim-free, good driver
  • Progressive may offer discounts for online signing, good student, multi-vehicle, homeowner, multi-policy, and continuous coverage.

Before buying, ask each company or agent which discounts can lower your rates. Some discounts listed above might not apply in Cottage Grove. To locate insurance companies that offer some of these discounts in Oregon, click here to view.

Car insurance can get complicated

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different.

For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What should my uninsured motorist coverage limits be in Oregon?
  • Will my rates increase for filing one claim?
  • Do I qualify for additional discounts?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • When do I need to add a new car to my policy?
  • Is my vehicle covered for flood damage?
  • Should I rate my vehicle as pleasure use or commute?
  • Does medical payments coverage apply to all occupants?
  • What can I do if my company denied a claim?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Additional information can be found on the . Click here for link. Oregon consumers can find out which companies have the most complaints, read industry bulletins, and find disaster information.

lower rates in Oregon

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Smart shoppers get results

When getting , never reduce coverage to reduce premium. There are too many instances where someone sacrificed liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best possible price but still have enough coverage for asset protection.

There are still a few companies who do not offer rate quotes online and these smaller companies sell through independent insurance agents. Cost effective car insurance can be purchased online in addition to many Cottage Grove insurance agents, so you need to compare both to have the best selection.

People change insurance companies for a number of reasons such as poor customer service, policy cancellation, denial of a claim and lack of trust in their agent. Whatever your reason, choosing a new company can be pretty painless.