Buy Oregon City Car Insurance Like a Penny-pincher

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are a lot of people in Oregon City just like you who feel imprisoned by their car insurance policy.

Drivers have multiple car insurance companies to insure vehicles with, and although it’s nice to have a selection, so many choices can make it hard to compare rates and cut insurance costs.

Be sure to get all your discounts

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. A few discounts will automatically apply at the time of quoting, but a few must be asked for before you will receive the discount.

  • Passive Restraints and Air Bags – Factory air bags can get savings up to 30%.
  • Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • E-sign – Some insurance companies give back up to $50 simply for signing on their website.
  • Government Employees – Employees or retirees of the government may qualify you for a discount with a few car insurance companies.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.

Consumers should know that most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck. Any qualifying discounts will bring down your premiums.

To choose insurers with the best car insurance discounts in Oregon, click this link.

Car Insurance through a local agent

Some consumers would prefer to sit down with an agent. The biggest benefit of comparing rates online is that you can obtain the lowest rates but also keep your business local. Buying from local businesses is important particularly in Oregon City.

For easy comparison, once you complete this simple form, your coverage information is submitted to local insurance agents in Oregon City who will return price quotes for your business. You won’t need to visit any agencies since price quotes are sent to the email address you provide. It doesn’t get any easier! Get lower rates AND an agent nearby.

Multiple types of car insurance agents in Oregon City

When finding a reputable insurance agent or broker, there are a couple of different agency structures from which to choose. Oregon City agents are either captive or independent (non-captive).

Independent Insurance Agents

Independent insurance agents are not locked into one company but rather can write business with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency.

When searching for an agent, you should always get quotes from at a minimum one independent agency for maximum quote selection.

Shown below are Oregon City independent insurance agents who may be able to give you rate quotes.

Insurance Express – – Oregon City, OR 97045 – (503) 722-5810
Landis Insurance – 603 High St – Oregon City, OR 97045 – (503) 557-3060

Captive Insurance Agents

This type of agents can only place business with one company like Allstate, Farmers Insurance or State Farm. They usually cannot compare other company’s rates so they have to upsell other benefits. Captive agencies receive extensive training on the products they sell which can be an advantage.

Shown below are captive agents in Oregon City that are able to give comparison quotes.

State Farm Insurance – 19715 S Highway 213 – Oregon City, OR 97045 – (503) 518-7100
American Family Insurance – 956 Molalla Ave – Oregon City, OR 97045 – (503) 723-7707
Allstate Insurance – 914 Molalla Ave # 102 – Oregon City, OR 97045 – (503) 657-3270
Farmers Insurance Group – 820 Main St # B – Oregon City, OR 97045 – (503) 655-3014

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For a complete listing of captive agents in Oregon City, view this link.

Selecting an auto insurance agent needs to be determined by more than just the bottom line cost. Any agent should have no problem answering these questions:

  • If you have an accident, will your rates go up?
  • How long has their agency been open in Oregon City?
  • Is assistance available after office hours?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • How much will you save each year by using a higher deductible?
  • How often do they review policy coverages?
  • How are claims handled?

After getting satisfactory answers for all questions you ask and a good coverage price, you may have just found a car insurance agent that is a good match to provide car insurance coverage.

Some additional reading

More information is located on the website for the Oregon Insurance Division through this link. Oregon drivers can read industry bulletins, file complaints about an insurance agent or broker, and report car insurance fraud.

Better coverage you can count on

You just read some good ideas how you can reduce car insurance prices online. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. You may even find the lowest rates come from some of the smallest insurance companies. They may have significantly lower rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

When shopping online for car insurance, never sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced physical damage coverage to discover at claim time that it was a big mistake. Your focus should be to buy enough coverage at the best price, not the least amount of coverage.