Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us when we tell you there are a lot of people in Grants Pass just like you who feel imprisoned by their car insurance policy. Insurance companies such as State Farm and GEICO all promote huge savings with ads and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.
It’s a good idea to take a look at other company’s rates yearly due to the fact that insurance rates are variable and change quite frequently. If you had the best rates two years ago there may be better deals available now. Ignore everything you know about car insurance because we’re going to demonstrate one of the quickest ways to reduce your cost while improving coverage.
Fast and Easy Grants Pass Car Insurance Quotes
Most major insurance companies such as 21st Century, Allstate and State Farm provide prices directly from their websites. Getting online quotes doesn’t take much effort as you just enter into a form. Once you submit the form, the company’s rating system pulls your driving record and credit report and generates pricing information determined by many factors. Quoting online helps simplify price comparisons, but the work required to visit different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible if you are searching for a better rate.
A quicker way to locate the lowest prices utilizes a single form that analyzes rates from many companies. The form is fast, eliminates form submissions, and makes online quotes much more enjoyable. Immediately after you send the form, it is quoted with multiple companies and you can pick any or none of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. It takes 15 minutes at the most and you’ll know if lower rates are available.
If you want to find out what other companies charge, click here to open in new window and submit the form. If you currently have coverage, we recommend you complete the form with deductibles and limits identical to your current policy. This way, you are getting a rate comparison using the exact same coverages.
The fine print in car insurance ads
Oregon consumers can’t get away from ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies say the same thing that you’ll save big after switching your policy.
How do they all make almost identical claims?
All the different companies have a preferred profile for the right customer that earns them a profit. A good example of a driver they prefer could possibly be a mature driver, has no tickets, and drives newer vehicles. A propective insured that hits that “sweet spot” gets the lowest rates and most likely will cut their rates substantially.
Potential insureds who don’t meet this ideal profile will have to pay more money and this can result in business not being written. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. That’s why companies can truthfully make the claims of big savings. Because of the profiling, drivers must get as many quotes as possible. It is impossible to predict which insurance companies will give you the biggest savings.
Do you qualify for a discount?
Car insurance companies don’t always publicize every discount very clearly, so the following is a list of both well-publicized and the more hidden car insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.
- Sign Early and Save – A few companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
- Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home shows financial diligence.
- Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.
- Auto/Life Discount – Some companies give a discount if you purchase life insurance.
- E-sign – A few companies will give a small break for buying a policy and signing up on their website.
- Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
- Memberships – Being a member of a professional or civic organization may earn a discount on car insurance.
- Seat Belts Save – Drivers who require all occupants to wear their seat belts could save 15% off the personal injury premium cost.
- Safe Driver Discount – Insureds without accidents can pay as much as 50% less than less cautious drivers.
- Bundle and Save – If you have multiple policies with the same company you may earn up to 20% off your total premium.
Consumers should know that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way.
To choose companies with discount car insurance rates in Oregon, follow this link.
Price shop online but buy from a local Grants Pass agent
Some consumers would prefer to sit down with an agent and there is nothing wrong with that. Professional agents can point out coverage gaps and give you peace of mind. One of the great benefits of getting online price quotes is you may find better rates and still choose a local agent.
After completing this form (opens in new window), your insurance coverage information is sent to insurance agents in Grants Pass who will compete for your business. There is no need to leave your house due to the fact that quote results will go to your email. How cool is that?!
Selecting a company should depend on more than just the premium amount. Here are some questions to ask:
- Is the agent and/or agency licensed to do business in Oregon?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they regularly work with personal auto policies?
- Is their price quote a firm figure or are their hidden costs?
- What insurance company do they write the most business with?
Grants Pass car insurance agents come in two flavors
When researching a good Grants Pass insurance agent, you must know there are a couple different types of agents to choose from. Agencies in Grants Pass can either be captive or independent (non-captive). While both can do a good job, but it’s good to learn how they differ because it can impact your selection of an agent.
Captive agencies write business for a single company and examples are Farmers Insurance, American Family, State Farm and Allstate. They usually cannot shop your coverage around so they have to upsell other benefits. These agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents.
Listed below are Grants Pass captive agents who may provide you with price quote information.
Allstate Insurance – 1023 NE 7th St – Grants Pass, OR 97526 – (541) 476-8851
American Family Insurance – 304 Agness Ave # B – Grants Pass, OR 97526 – (541) 956-4989
State Farm Insurance – 598 NE E St – Grants Pass, OR 97526 – (541) 474-9473
Independent Agencies or Brokers
Independent agencies are not required to write business for one company so they can insure your vehicles with lots of companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency.
When searching for an agent, it’s recommended you include several independent insurance agents to get the best comparison.
Listed below are independent insurance agents in Grants Pass that can give you price quote information.
Paul Garcia Agency – – Grants Pass, OR 97526 – (541) 472-8047
Blaine R Clark Agency – 601 SE 7th St – Grants Pass, OR 97526 – (541) 476-6888
Country Insurance and Financial – 1720 Redwood Ave # I – Grants Pass, OR 97527 – (541) 479-3413
Steve Hudson Agency – 1470 NE 7th St – Grants Pass, OR 97526 – (541) 956-4989
Booth Insurance – 814 SW 4th St – Grants Pass, OR 97526 – (541) 476-9223
For a complete listing of licensed insurance agents in Grants Pass, visit this link.
Upon receiving good answers as well as a affordable price, you’ve probably found a car insurance agent that is a good match to properly service your car insurance policy.
Additional detailed information can be read at the Oregon Insurance Division website. Oregon consumers can discover disciplinary actions, learn about specific coverages, read state legal mandates and laws, and file complaints about an insurance agent or broker.
What is YOUR best insurance company?
As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced physical damage coverage only to find out that they should have had better coverage. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.
Cheap car insurance is definitely available on the web in addition to many Grants Pass insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
You just read many tips how you can compare car insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.