Uncover the Secrets to Lower Keizer Oregon Auto Insurance

Overpriced auto insurance can empty your bank account and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to lower your monthly bill.

Because you have many companies to choose from, it is hard for the average consumer to find the most affordable provider.

You need to compare rates every six months because prices are constantly changing. Despite the fact that you may have had the lowest price a couple years back there is a good chance you can find better rates now. So just block out anything you think you know about auto insurance because I’m going to teach you the things you must know in order to find better rates and still maintain coverage.

Compare Keizer Auto Insurance Costs

There are several ways to shop for auto insurance, and some are less time-consuming than others. You can waste a few hours (or days) talking to local insurance agents in Keizer, or you could save time and use the web to get prices fast.

Many popular insurance companies enroll in a system where prospective buyers only type in their quote data once, and each company can provide price quotes determined by their information. This prevents consumers from doing quote requests to each individual auto insurance company. To compare rates using this form now click here (opens in new window).

The one downside to pricing coverage this way is that consumers can’t choose which providers you will receive quotes from. So if you want to select from a list of companies to compare rates, we have a page of companies who write auto insurance in Oregon. Click to view list.

Which method you use is up to you, but double check that you are using the exact same coverages and limits for every quote you compare. If you use different limits and deductibles on each one you can’t possibly decipher which rate is best in Keizer. Just a small difference in insurance coverages can result in a big premium difference. Just keep in mind that quoting more helps you find a better price.

More discounts equal less premium

Auto insurance companies don’t necessarily list every available discount in a way that’s easy to find, so here is a list some of the best known and the harder-to-find discounts you could be receiving. Keizer Oregon insurance comparisons

Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
New Vehicle Savings – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
Early Signing – A few companies offer discounts for switching policies prior to your current policy expiring. This can save 10% or more.
Multiple Policy Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
Homeowners Pay Less – Owning a home in Keizer may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
Sign Online – A handful of insurance companies may give you up to $50 just for signing your application online.
Save over 55 – If you qualify as a senior citizen, you may receive reduced rates.

Drivers should understand that most discount credits are not given to the entire cost. Most cut individual premiums such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

To choose insurance companies with the best auto insurance discounts in Keizer, click here to view.

Make smart decisions and save

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for auto insurance. Knowing what determines base rates enables informed choices that will entitle you to big savings.

The list below includes some of the items auto insurance companies consider when setting prices.

Pay less after the wedding – Having a spouse can get you a discount on your auto insurance policy. Marriage means you’re more mature than a single person and it’s proven that drivers who are married are more cautious.
Don’t buy coverages you don’t need – There are a ton of extra bells and whistles that you can get tricked into buying on your policy. Things like roadside assistance, accidental death and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them from your policy.
A clean driving record saves money – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one moving violation may increase your cost by twenty percent. Drivers with clean records get better rates than their less careful counterparts. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
Allowing your policy to lapse raises rates – Driving your car without having proper coverage can get your license suspended and auto insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance can result in a revoked license or a big fine.
Performance level impacts rates – The make and model of the vehicle you own makes a big difference in how high your rates are. Small economy passenger cars generally receive the lowest base rates, but there are many factors that impact the final cost.
Battle of the sexes – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women have accidents at a similar rate, but the male of the species cause more damage. Men also tend to get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
Please use or commuting – Driving more miles in a year’s time the more you will pay for auto insurance. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Cars not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage.
Don’t sacrifice liability coverage – Your policy’s liability coverage will protect you if a court rules you are at fault for personal injury or accident damage. Liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.

It’s not one size fits all

When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out whether you could use an agent’s help.

Is my business laptop covered if it gets stolen from my vehicle?
What is the difference between comprehensive and collision coverage?
Are rental cars covered under my policy?
Where can I get insurance after a DUI in Oregon?
Does my insurance cover a custom paint job?
Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Even more information can be found at the Oregon Insurance Division website. Oregon consumers can read consumer alerts, file complaints about a company, discover disciplinary actions, and report car insurance fraud.

Other useful links include this resource for Oregon auto insurance prices and this list of insurance agents in Keizer.

Misconceptions in auto insurance advertisements

Auto insurance providers like 21st Century, Allstate and State Farm consistently run ads in print and on television. They all have a common claim that you can save if you change your coverage to them. But how can every company claim to save you money? It’s all in the numbers.

Different companies are able to cherry pick for the driver they prefer to insure. For instance, a profitable customer could possibly be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who don’t measure up to these standards will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “people who quote” save that much. That’s the way insurance companies can confidently claim big savings. This emphasizes why it’s extremely important to compare many company’s rates. It’s impossible to know which insurance companies will fit your personal profile best.

Summing up your auto insurance search

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced full coverage only to regret that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.

Affordable auto insurance is available from both online companies in addition to many Keizer insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not provide online price quotes and these smaller companies work with independent agents.