Cheap auto insurance. Oregon.

Underwriting standards
   Underwriting standards are rules insurance companies use to decide whether to insure you. A company may reject your application for coverage if your circumstances do not meet the company's underwriting standards or risk factors. Drivers with the lowest risk factors are least likely to have a claim, so they receive the lowest rates for insurance.
   Insurance companies typically review the following when deciding whether to insure you:

• driving record
• car make and model
• prior insurance coverage
• consumer credit history

• You insure two or more cars on a policy.
• Your auto and home insurance are on the same policy or with the same company.
• Your child is under 25 and has good grades in school.
• Your child has completed a driver-education course.
• You've completed a defensive-driving course.
• You're a mature driver between 50 and 65.
• Your vehicle has air bags, an anti-lock braking system, other safety equipment, or anti-theft devices.
• You're a low-mileage driver.
• You're in a carpool.
• You haven't gotten any traffic tickets in three years.
• You haven't been in any accidents in three years.
• You have a favorable credit history.

• Maintain a good driving record. Your premiums are directly related to your driving record.
• Under Oregon law, an insurance company can use only the last three years of your driving record when deciding whether to issue or renew a policy or determining your premium. If you've had an accident or a violation, and your rates have gone up or your policy has been assigned to a nonstandard insurer, talk with your insurance agent or company. If it's been more than three years since your accident or violation, you may qualify for a lower rate. If not, consider changing companies.
• Take a defensive-driving course.