From Consumer Guide to Auto Insurance in Oregon
Cheap auto insurance. Oregon.
Before you buy
Talk with your agent or insurance company about insurance costs before you buy a car. Certain makes and models, especially sports cars, are higher risks for insurance companies and cost more to insure.
Ask several companies for quotes. By shopping around, you may find several hundred dollars' difference between quotes. Be sure to compare identical coverages when comparing policies.
Drop collision coverage on cars that cost more to repair than they are worth. For example, consider carrying only liability coverage for cars valued at less than $1,000.
Increase your deductibles. Take the highest deductible you can afford on collision and comprehensive coverage.
You can save money on auto insurance by taking advantage of discounts. Ask your agent or company if you qualify for discounts for any of the following:
Drivers 55 and older must be given a discount if they complete a state-certified safe driving course.
Parents of teenagers If your teenagers don't own cars, make sure your insurer understands which cars they are going to be driving and whether it will be occasional or principal use. If they do own cars, consider covering them under your policy. Otherwise, they'll probably have to pay higher premiums.
If your young driver goes to school more than 100 miles away - without a car - you may qualify for another discount.
You can save on service charges by paying premiums in full rather than on a quarterly or month-to-month basis.
Reviewing your policy
Review your policy periodically and update coverage accordingly.
Notify your agent immediately if you move, substantially reduce your annual mileage, sell your car, change your marital status, or change the number of drivers in your household.
Young singles on their own
Avoid performance or "turbo cars." A turbo engine can add more than 10 percent to your premium.
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