Car insurance is required by law in most states, including Oregon. Here’s how much car insurance you need to drive in Oregon, and where to find cheap Oregon car insurance quotes online.
What Car Insurance is Required in Oregon?
Oregon law requires the following minimum amounts of insurance for all vehicles:
* $25,000 per person for bodily injury and property damage
* $50,000 per accident for bodily injury to others
* $10,000 per accident for property damage
* $15,000 per person for personal injury protection to cover
medical expenses for up to one year after an accident
* $25,000 per person and $50,000 per accident for bodily injury uninsured motorist coverage
What Are the Penalties for Driving Without Insurance?
If you’re caught driving without these minimum amounts of car insurance, you may be subject to severe penalties:
* You could be fined
* You may have your driving privileges suspended for up to one year
You may also need to file proof of compliance with Oregon’s insurance and future financial responsibility law for up to three years.
How Can I Find Cheap Car Insurance Online?
Insurance premiums can vary by hundreds of dollars from one insurance company to another. This means that in order to find the best price on your car insurance, you need to shop around and compare quotes. It is easy to shop around and compare quotes online if you go to an insurance comparison website.
On an insurance comparison website you simply type in your insurance information, including your:
* Name and address
* Vehicle year, make, model, and VIN number
* The limits and deductibles you want
* Safety features on your vehicle, such as airbags, anti-lock brakes, and an anti-theft system
After you submit your information you’ll begin to receive quotes from multiple A-rated insurance companies. On the best insurance comparison websites you can even talk online with insurance professionals and get answers to your car insurance questions, plus get advice on how to lower your car insurance rate even further (see link below).
Where to Get Cheap Oregon Car Insurance Quotes Online
Cheapest Car Insurance Quotes – Where to Go to Find Them and Save Big on Your Monthly Payments
Did you know that when you are shopping for the lowest car insurance quotes that rates on the same policies from different insurance companies can vary from $500 to a few thousand dollars a year. Your job is to find these differences and you can do that by going to an insurance comparison website where you can get a range of quotes from the many participating companies that have signed up with them. All you need to do now is to fill out a quick 1 page form (which does not ask you for any sensitive information at all) , then click send and within minutes you will get 5 free car insurance rates delivered straight to your email.
These comparison websites have no biases towards any of the participating auto insurance companies. Their job is to basically put their quotes in front of you and allow you to do the rest without the pressure of any pushy salesman trying to sell you a policy and extras that you do not even need. Land based companies cannot possibly give you a lower rate because they have so many expenses that they have to pay out because they are trying to close a through heavy land based advertising which also involved hiring hundreds if not thousands of sales people, renting office space for them and then hiring supervisors that make sure that they are doing their work properly. Do you think these expenses just vanish into thin air? No, they are eventually passed down to you in the form of higher monthly payments on your auto insurance. To truly get discounted rates you must start looking online.
Once you have gone through the internet to get the cheapest car insurance quotes, you will never pick up the phone again to call any company. You will end up getting a phone call from them congratulating you on your new discounted policy.
Cheap Car Insurance for New Drivers
The majority of new drivers on the road all have on thing in common, and that’s the expensive price they’ve paid for car insurance. Car insurance companies see new drivers as high risk and as such they often charge them incredibly high premiums. For a teenager who wants to get the experience they need to prove they are indeed a good risk, it’s frustrating. Although it can take some research and some patience there are ways to get cheap car insurance for new drivers.
Many new drivers learn how to drive from a friend or relative. Although most people who hold a driver’s license can surely show an inexperienced driver the basics of the road, this isn’t really enough. A driver’s training course is vital when you are a new driver, and it’s not only so you clearly understand exactly what you are doing behind the wheel. A certified driver’s training course can also reduce car insurance premiums. Anyone who is worried about the cost of one of these programs need only ask for a quote for car insurance for a new driver who doesn’t have training. It will be much higher than a quote for someone who does.
In order to move from the high risk category to that of a good driver, the new driver needs hands-on experience. That’s why they should drive an older car that is less to insure before graduating to a newer model. Many older cars can be driven without collision or comprehensive coverage because they cost so little to replace. Although the new driver may not like the idea of driving a vehicle that is almost as old as they are, it makes the most economical sense. Once they’ve shown themselves to be trustworthy by not having accidents and not getting speeding tickets, their insurance rates will begin to drop.
Compare Car Insurance Quotes and Find the Best Deals
Car Comparisons Websites
The choice of car insurance policies on the market these days can be overwhelming. One of the easiest ways in which you can compare car insurance is to go online and use comparison websites. These websites break down policies and tell you what you really need to know about cover and costs. This allows you to compare car insurance quotes side-by-side quickly and easily. You should be able to find the right policy for your price range without any fuss or hassle.
Find the Best Deals
Whether you are using websites, agents or direct insurers to compare car insurance there are a number of ways to make sure you get the best deals:
· Voluntary Excess- you need to consider the voluntary excess you have to pay as part of your overall costs. You could save on your premiums by opting for a slightly higher excess. This will also discourage you from making minor claims which could push up your premiums in the long run. You will need to make sure you don’t opt for an excess that is too high otherwise you may not be able to afford to put in a claim when you need to.
· Reduce Cover- the more cover you have on your insurance the more expensive the premiums are likely to be. You can save money by limiting your cover to the essentials. Look carefully at the quotes when you compare car insurance. See if you can reduce the costs by eliminating any cover you don’t really need.
· Personal Belongings- check to see if you are already covered for the loss or theft of personal belongings from your car under your home and contents insurance. If you are then you could opt out of this additional protection from your car insurance and save yourself some money on premiums (without reducing your overall cover).
· Overseas Cover- some companies will provide Third Party Fire and Theft insurance for when you are travelling with your car abroad. If this does not apply to you though you could be paying extra for something you do not need so check your policy carefully.
Balance Cover and Costs
When you do compare car insurance quotes it is important that you balance cover and costs. Opting for the cheapest quote you can find is not always the best overall deal. There is no point taking out a policy that will not provide you with the cover and benefits you need. This could leave you out-of-pocket if anything happens to your car or you are involved in an accident.
The best policy will be one that can offer you the cover you need at the right price for your budget.
Cheap SUV Car Insurance Coverage
I usually get this question whenever there’s someone just bought a new SUV – how much does it cost to get SUV insurance? Is it really more expensive to insure an SUV as compared to regular cars? Find more about SUV insurance to give you some light about insuring an SUV.
Why SUV Coverage Is High
Getting SUV coverage is more expensive as compared to getting your usual auto insurance. You may be wondering why. We have this notion regarding bigger size vehicles – that the bigger the size of the vehicle the safer we are. And with that we though that bigger vehicles are considered to be safer vehicles as compared to cars. But the reason why SUV coverage is more expensive than regular car insurance is because since SUV is considered as the kind of vehicle that is safer to drive, the expected damage it will give to another vehicle is heavier. Hence, heavier damage means only one thing, higher insurance claims. And the possibility of higher claims means more expensive vehicle insurance premiums for your SUV.
In addition, aside from the fact that SUV caused severe damage as compared to smaller vehicles, they too have become a popular choice among vehicle thieves. In most cases, insurance providers also considered this factor. The higher the chance that your vehicle is stolen, the higher your premiums may be. In fact, according to Highway Loss Data Institute, the Cadillac Escalade, an SUV type of vehicle, was the most stolen vehicle in 2004. An auto insurance provider will shell out a whooping $18, 000 minimum just to replace that kind of vehicle.
Getting an SUV policy can be pricey. However, remember that you have a lot of choices to get cheaper vehicle insurance for your SUV. You can start looking for car insurance rates through the Internet. The key in getting the best deal is to know where to get one and Internet offers you that.
Here is a simple trick that will result in huge savings. Get the insurances agents to compete against each other for price and coverage. Fill out the online quote form and wait to be contacted by the agent by phone or email, The first price they quote you will most likely be the highest one. Tell them you think that price is a little too high and you are going to shop around some more, but get that agent to fax you a copy of the quote.
Fill out another online quote form and repeat the process. I recommend getting 3 quotes from 3 different agencies and carriers to make this really effective. Once you get all three faxed quotes you can then contact each agent and see if they will beat the lowest price quote you have received, and 9 out of 10 times they will. One word of caution though, make sure they do not cut your coverage to lower the price. I also recommend you use a free email address and your cell phone number just in case you get too many phone calls from agents trying to sway you to their company.