Have you had enough of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as many other Oregon consumers.
Big companies like Progressive, State Farm and GEICO persitently shower you with advertising and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.
All the larger car insurance companies like State Farm, GEICO and Progressive quote prices on the web. Getting online rates is fairly simple as you simply enter the coverage amounts you desire into a form. Behind the scenes, the system automatically orders your credit score and driving record and provides a quote based on these factors. Quoting online simplifies rate comparisons, but having to visit different websites and complete many quote forms gets old quite quickly. But it is imperative to do this if you are searching for the best price possible.
Quote rates the easy way
A quicker way to find lower prices is to use a quote form that obtains quotes from more than one company. It saves time, reduces the work, and makes online quotes a lot less work. Once the form is submitted, it is quoted and you can select any one of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. It only takes a few minutes and could lower your rates considerably.
To quickly find out how much you’re overpaying now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you complete the form with your coverages identical to your current policy. This guarantees you will get rate quotes using the exact same coverages.
Auto insurance companies don’t list all their discounts in an easy-to-find place, so we researched both the well known and also the lesser-known discounts you could be receiving.
Consumers should know that most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.
For a list of insurers with discount car insurance rates in Oregon, click here to view.
Some consumers would rather talk to a local agent and that is OK! One of the best bonuses of comparing insurance prices online is you may find lower rates but also keep your business local.
To find an agent, once you fill out this short form, your information is sent to agents in your area who will return price quotes for your coverage. There is no need to drive around because quoted prices will be sent to your email. How’s that for easy! You can find better rates without the usual hassles of price shopping.
Choosing a company needs to be determined by more than just a cheap price. Any agent should be forthright in answering these questions:
Shown below is a short list of auto insurance companies in Corvallis that may be able to provide comparison quotes.
Willamette Valley Insurance – 470 NW Buchanan Ave, Corvallis, OR 97330 – (541) 753-5999
Farmers Insurance Group – 400 SW 4th St # A, Corvallis, OR 97333 – (541) 758-0103
Allstate Insurance – 568 SW 3rd St, Corvallis, OR 97333 – (541) 753-3253
Swanson Agency Inc – 310 NW 5th St # 205, Corvallis, OR 97330 – (541) 757-7166
State Farm Insurance – 1869 NW 9th St, Corvallis, OR 97330 – (541) 757-1690
Brehm Pitney Insurance – 556 SW Adams Ave, Corvallis, OR 97333 – (541) 929-3889
Once you have received reasonable responses in addition to an acceptable price estimate, it’s possible that you found an insurance company that meets your needs to properly service your car insurance policy.
When choosing proper insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.
It’s important that you understand the rating factors that play a part in calculating the price you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to better car insurance rates.
Car insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. They all seem to say the same thing that you can save if you switch to them. How do they all say the same thing?
All companies have a certain “appetite” for the type of customer that makes them money. A good example of a desirable insured could possibly be over the age of 50, a clean driving record, and has a high credit rating. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.
Potential insureds who are not a match for the requirements will be quoted higher prices which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully advertise the way they do. This emphasizes why you should get as many quotes as possible. It’s just too difficult to predict which car insurance company will provide you with the cheapest rates.
Low-cost car insurance can be bought both online as well as from independent agents in Corvallis, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.
We’ve covered quite a bit of information on how to save on car insurance. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.
Additional detailed information can be read at the Oregon Insurance Division website. Oregon consumers can download brochures, read enforcement actions against agents and companies, and get help finding coverage.