Never Buy Mcminnville Oregon Car Insurance Without Knowing These Money Saving Techniques

People who are new to buying insurance online will find purchasing the lowest-priced Mcminnville car insurance quite difficult.

It’s important to compare rates occasionally because rates go up and down regularly. If you had the lowest rates six months ago there may be better deals available now. Don’t believe everything you read about car insurance online, so with this article, you’re going to get the easiest ways to slash your car insurance rates.

Many Things Influence your Rates

An important part of buying insurance is that you know the factors that come into play when calculating your car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

The list below includes some of the factors car insurance companies consider when setting prices.

  • High crash test scores lower rates – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
  • Do you work long hours in a high stress job? – Careers like judges, business owners and stock brokers tend to have the highest rates in part from job stress and long work days. On the other hand, professions such as scientists, students and the unemployed receive lower rates.
  • Discounts for married couples – Getting married actually saves money when buying car insurance. Having a spouse means you’re more mature and it’s statistically proven that married couples file fewer claims.
  • Where you reside plays a part – Choosing to live in a small town can be a good thing when insuring your vehicles. Urban drivers have to deal with much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident.
  • Younger drivers pay higher rates – Youthful drivers in Oregon are known to be more careless behind the wheel so they pay higher car insurance rates. Adding a teenage driver to your policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • Multi-policy discounts can save money – Most insurers will give a discount to insureds who consolidate policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even with this discount, it’s still a good idea to shop around to ensure the best deal. You may still be able to find better rates by splitting coverages up.

Don’t miss out on these money-saving discounts

Car insurance companies don’t list all their discounts in an easy-to-find place, so we researched both well-publicized as well as the least known ways to save on car insurance. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Paperless Signup – Some insurance companies may give you up to $50 simply for signing online.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more than drivers with accidents.
  • Club Memberships – Belonging to a qualifying organization could trigger savings when shopping for car insurance.
  • Low Mileage Discounts – Fewer annual miles can earn discounted rates on garaged vehicles.
  • Student in College – Any of your kids living away from home attending college and do not have a car can receive lower rates.
  • Defensive Driving Course – Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Save over 55 – If you’re over the age of 55, you may receive better car insurance rates.

Drivers should understand that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To choose insurance companies with discount car insurance rates in Mcminnville, click this link.

Quote online but work with a neighborhood agent

Some people prefer to buy from a licensed agent. Licensed agents can point out coverage gaps and help submit paperwork. The best thing about comparing insurance prices online is you may find lower rates but also keep your business local.

To make it easy to find an agent, after completing this form (opens in new window), your information is sent to local insurance agents who will battle for your insurance coverage. There is no reason to leave your house because quoted prices will be sent to your email. How’s that for easy!<img class="alignright" style="padding-top:15px;" src="" alt="Oregon car insurance“/>

Choosing a company needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:

  • What is the agency’s Better Business Bureau rating?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • How often do they review policy coverages?
  • Do they feel the quoted coverages are adequate?
  • Does the agency provide any after hours assistance?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Do they carry Errors and Omissions coverage?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

Choose the right insurance agency

If you’re trying to find an insurance agent, there are a couple of different types of agents that you can select. Agents can either be captive or independent. Both properly insure your vehicles, but it’s worth learning how they differ because it can impact the type of agent you choose

Agency Captives

Captive insurance agents can only place business with one company and some examples include Allstate, State Farm and Farmers Insurance. These agents are not able to give you multiple price quotes so it’s a take it or leave it situation. These agents receive extensive training on their products and sales techniques and that can be a competitive advantage. Consumers sometimes buy insurance from these agents mainly due to the prominence of the brand and strong financial ratings.

Shown below is a list of captive insurance agencies in Mcminnville that are able to give comparison quotes.

  • Farmers Insurance Group – 1004 NE Baker St – Mcminnville, OR 97128 – (503) 435-2975
  • Farm Bureau – 1215 NW Adams St # B – Mcminnville, OR 97128 – (503) 472-6939
  • American Family Insurance – 637 SW Keck Dr – Mcminnville, OR 97128 – (503) 435-1717
  • State Farm Insurance Agent – 217 NW Adams St – Mcminnville, OR 97128 – (503) 472-7400
Independent Agents

Independent insurance agents do not work for one specific company so they have the ability to put coverage with many different companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency.

When shopping rates, it’s a good idea to contact multiple independent agents for the best price selection. Most have the option of insuring with different regional companies which may provide better rates.

Below is a short list of independent agents in Mcminnville that can give you rate quotes.

  • Foremost Insurance Group – – Mcminnville, OR 97128 – (503) 472-6354
  • Mac Agency – 1900 NE Highway 99w # A1 – Mcminnville, OR 97128 – (503) 472-0300
  • Robert Lysaker Insurance – 232 NE 3rd St – Mcminnville, OR 97128 – (503) 434-5683

For a complete listing of insurance agents in Mcminnville, please click here.

Once you have received satisfactory answers to these questions and locked in a price quote, you have narrowed it down to an insurance agency that is a good match to adequately provide car insurance.

Additional detailed information can be found at the Oregon Insurance Division website. Oregon consumers can download brochures, learn about insurance regulations, and report car insurance fraud.

Do the work, save more money

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability coverage limits only to discover later that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

The cheapest car insurance is attainable from both online companies in addition to many Mcminnville insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not provide online quoting and these smaller companies work with independent agents.

People who switch companies do it for a variety of reasons including high rates after DUI convictions, denial of a claim, delays in responding to claim requests and policy non-renewal. Whatever your reason, finding a new company is not as hard as you think.