Expert Techniques to Saving Money on Lake Oswego, OR Car Insurance

Are you tired of scraping the payment together to insure your vehicles every month? You are no different than millions of other consumers.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with TV and radio ads and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

It’s a good habit to check car insurance prices occasionally since insurance rates are adjusted regularly by insurance companies. If you had the best rates six months ago there is a good chance you can find better rates now. So just forget anything you know (or think you know) about car insurance because it’s time to teach you one of the easiest ways to lower your annual insurance bill.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you in Lake Oswego is not that difficult. But Oregon drivers do need to understand how insurance companies determine prices.

How to Compare Lake Oswego Car Insurance Costs

Most companies allow you to get coverage price quotes on their websites. Getting online quotes is fairly simple as you just enter the coverage amounts you desire into a form. Once you submit the form, their system makes automated requests for credit information and your driving record and provides a quote determined by many factors. Being able to quote online simplifies rate comparisons, but having to visit a lot of sites and enter the same data into a form can get tiresome after awhile. But it’s very important to perform this step if you are searching for the best price on car insurance.

There is a better way to compare rates

The smarter way to get multiple rate quotes utilizes a single form to obtain quotes from a lot of companies. This type of form saves time, requires less work, and makes online shopping a little more enjoyable. Immediately after submitting the form, it gets priced and you can choose any or none of the price quotes you receive.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To save time and find out what other companies charge, click here and submit the form. If you have a policy now, it’s recommended you enter deductibles and limits as shown on your current policy. This way, you will get a price comparison for the exact same coverage.

Are you getting all your discounts?

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Some trigger automatically at the time you complete a quote, but some may not be applied and must be inquired about before they will apply.

• Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
• Claim Free – Claim-free drivers can earn big discounts as compared to drivers who are more careless.
• Clubs and Organizations – Belonging to a professional or civic organization may earn a discount when buying car insurance.
• Multi-policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
• Government Employees – Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
• Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
• Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.

It’s important to note that most credits do not apply to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down your overall premium however.

To see a list of insurers offering car insurance discounts in Oregon, follow this link.

More consumer information in Oregon

More information is located on the website for the Oregon Insurance Division through this link. Visitors are able to read industry bulletins, report car insurance fraud, and find out which companies have the most complaints.