Buy Tualatin Car Insurance Like a Penny-pincher

Finding lower premiums on Tualatin car insurance can be challenging for consumers not familiar with comparing rates online. Consumers have so many choices that it can quickly become a lot of work to find the best price in Tualatin.

Smart consumers take time to compare rates quite often because rates are constantly changing. If you had the lowest rates two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because you’re about to find out the quickest way to buy cheaper car insurance.

Lots of discounts mean lots of savings

Car insurance companies do not list every discount very well, so here is a list some of the more common as well as the least known discounts you could be receiving. If you don’t get every credit you deserve, you are paying more than you should be.

• Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
• Accident Forgiveness – Some insurance companies permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
• Safety Course Discount – Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
• Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
• Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
• College Student – Youth drivers who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
• Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.

Finding Car Insurance Deals in Tualatin, OR

Effectively comparing car insurance prices can be exhausting if you don’t understand the easiest way. You could waste a few hours talking to insurance agencies in Tualatin, or you could save time and use online quoting to achieve your goal.

All the larger companies enroll in a system where prospective buyers complete one form, and each company provides a quote. This eliminates the need for quotation requests to each individual car insurance company.

To participate in this free quote system, click here (opens in new window).

One minor caviat to using this type of system is buyers cannot specifically choose which carriers to receive prices from. If you prefer to choose from a list of companies to compare, we put together a list of the cheapest car insurance companies in Oregon. Click here for list of insurance companies in Oregon.

Whichever method you choose, make absolute certain that you use the exact same deductibles and coverage limits on every quote. If your comparisons have different limits and deductibles on each one it will be very difficult to make an equal comparison in Tualatin.

Which insurance is the “right” coverage?

When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your situation might need professional guidance.

• How high should my medical payments coverage be?
• Am I covered by my spouse’s policy after a separation?
• Am I covered when driving someone else’s vehicle?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I have any recourse if my insurance company denies a claim?
• Do I need added coverage for expensive stereo equipment?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

A tidy conclusion

People change insurance companies for a number of reasons such as delays in responding to claim requests, poor customer service, unfair underwriting practices or even delays in paying claims. It doesn’t matter why you want to switch finding the right car insurance provider can be easier than you think.

Cheaper car insurance is possible online in addition to many Tualatin insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced liability coverage limits and learned later that it was a big mistake. Your focus should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.