10 Simple Methods to Slash Car Insurance Costs in Woodburn

Purchasing low-cost Woodburn car insurance on the internet can seem to be rather challenging for people who are new to buying insurance online. Because there are so many online companies available, how can Woodburn drivers possibly compare them all to find the best price?

Consumers need to take a look at other company’s rates periodically since rates tend to go up over time. If you had the best deal two years ago the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the proper way to lower your annual insurance bill.

Quick Woodburn Car Insurance Quotes

Most companies like State Farm, GEICO and Progressive allow you to get coverage prices on their websites. Getting online rates is fairly simple as you just enter your personal and coverage information as detailed in the form. When the form is submitted, their rating system orders reports for credit and driving violations and returns a price quote based on many factors.

Being able to quote online makes it a lot easier to compare rates but the time it takes to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to get many rate quotes in order to get a better rate.

A quicker way to find lower prices requires only one form that analyzes rates from a bunch of companies at once. It saves time, eliminates form submissions, and makes online shopping a little more enjoyable. Immediately after submitting the form, it is quoted and you can select any or none of the quote results. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. This process takes just a few minutes to complete and may save quite a bit of money.

To find out what other companies charge, click here to open in a new tab and submit the form. If you have coverage now, it’s recommended you input coverages and limits identical to your current policy. Doing this assures you are getting a rate comparison based on identical coverages.

Policy discounts you shouldn’t miss

Auto insurance companies don’t always advertise all available discounts very clearly, so here is a list both well-publicized and also the lesser-known ways to save on car insurance. If you’re not getting every credit possible, you are paying more than you should be.

New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It can save you around 10%.
Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
Low Mileage Discounts – Keeping the miles down could be rewarded with better rates on cars that stay parked.
55 and Retired – If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
Defensive Driving Course – Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
Military Rewards – Having a family member in the military could be rewarded with lower premiums.
Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

Insurance agents can help

When buying proper insurance coverage, there is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether you will benefit from professional help.

When should I not file a claim?
Am I covered when pulling a rental trailer?
Is my custom paint covered by insurance?
Do no-fault laws apply in Oregon?
Do I need to file an SR-22 for a DUI in Oregon?
Does my personal auto insurance policy cover using my vehicle for business use?
What is the difference between comprehensive and collision coverage?
What if I don’t agree with a claim settlement offer?
Is pleasure use cheaper than using my vehicle to commute?
Am I covered when renting a car or should I buy coverage from the car rental agency?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Even more information is located at the Oregon Insurance Division website. Visitors are able to find out industry alerts, find a variety of consumer forms, and view a list of available companies.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-85.jpg" alt="Woodburn Oregon insurance quotes” />

Car insurance coverages 101

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

This pays for damage to your vehicle resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as backing into a parked car, crashing into a ditch, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, hail damage, damage from a tornado or hurricane, rock chips in glass and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

Liability insurance protects you from damage or injury you incur to a person or their property. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims like court costs, pain and suffering, medical services and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford. Oregon state minimum liability requirements are 25,000/50,000/20,000 but drivers should carry more liability than the minimum.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like prosthetic devices, surgery, dental work, hospital visits and EMT expenses. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your vehicle.

Since many Oregon drivers carry very low liability coverage limits (Oregon limits are 25/50/20), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Compare but don’t skimp

We’ve covered a lot of ways to get a better price on car insurance. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the lowest priced car insurance comes from some of the smallest insurance companies.

Drivers leave their current company for a number of reasons such as high prices, policy non-renewal, delays in paying claims or questionable increases in premium. Regardless of your reason for switching companies, finding the right car insurance provider is less work than it seems.

Cheaper car insurance is definitely available both online as well as from independent agents in Woodburn, so you should compare both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and these regional insurance providers work with independent agents.