Easy Techniques to Cut Costs on Albany, OR Car Insurance

I can’t think of anyone who enjoys paying for car insurance, especially knowing the price is too high.

Insurance companies such as Progressive, State Farm and GEICO all claim big savings, bombarding you with catchy ads and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have car insurance now, you will most likely be able to cut costs considerably using this information. Finding affordable coverage in Albany is easy if you know what you’re doing. Nevertheless, Oregon car owners do need to know the way insurance companies price insurance differently because it can help you find the best coverage.

These discounts can lower your rates

Car insurance is not cheap, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically when you get a quote, but some may not be applied and must be manually applied prior to getting the savings.

  • No Charge for an Accident – A handful of insurance companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Bundle and Save – When you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will bring down the cost of coverage.

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

What if I want to buy from a local Albany agent?

A small number of people prefer to buy from a local agent and that is OK! One of the best bonuses of getting online price quotes is that you can obtain better rates and still have an agent to talk to. Supporting local businesses is important especially in Albany.

To help locate an agent, after submitting this short form, your insurance data gets sent to companies in Albany who will battle for your coverage. You don’t have to leave your house because quoted prices will be sent directly to your email. It doesn’t get any easier! It’s the lowest rates without the usual hassles of price shopping.save money image

Independent or Captive: It’s your choice

When searching for a good insurance agency, there are two types of insurance agents that differ in how they can insure your vehicles. Agents can either be independent (non-captive) or captive.

Independent Insurance Agents

Independent agents do not work for one specific company so they can insure your vehicles amongst many companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part. When searching for an agent, it’s a good idea to get quotes from at a minimum one independent agency for the best price selection.

The following is a short list of independent insurance agents in Albany that may be able to provide comparison quotes.

Miles-Thimm Agency Inc – 950 Geary St SE # E – Albany, OR 97322 – (541) 924-2951
Kelly Azzopardi Insurance Inc – 950 Geary St SE # E – Albany, OR 97322 – (541) 928-8810
Valley Insurance Co – 2450 14th Ave SE – Albany, OR 97322 – (541) 928-2344

Captive Agents

These agents have only one company to place business with like Allstate, Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Captive agencies are very knowledgeable on the products they sell and that can be a competitive advantage.

Listed below are Albany captive agents willing to provide rate quotes.

Allstate Insurance – 1979 14th Ave SE – Albany, OR 97322 – (541) 967-7008
American Family Insurance – 1331 Waverly Dr SE # B – Albany, OR 97322 – (541) 928-6857
Farmers Insurance Group – 2225 Santiam Hwy SE – Albany, OR 97322 – (541) 924-1272
State Farm Insurance – 1811 14th Ave SE – Albany, OR 97322 – (541) 926-6665

To view a complete directory of car insurance agents in Albany, please go to this site.

Albany Oregon insurance ad

Choosing an insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:

  • Do they feel the quoted coverages are adequate?
  • Does the company allow you to choose your own collision repair facility?
  • Which company do they place the most coverage with?
  • Is the agency involved in supporting local community causes?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Do they carry Errors and Omissions coverage?
  • Which members of your family are coverage by the policy?

Once you have good answers to all your questions as well as a affordable price, it’s possible that you found a car insurance agent that meets your needs to insure your vehicles.

To find out more about Oregon car insurance

Additional car insurance information is located on the website for the Oregon Insurance Division. Click here for link. Oregon drivers can get help finding coverage, find out which companies have the most complaints, and read state legal mandates and laws.

The following articles may also be useful.

Summing up your car insurance search

Cost effective car insurance is attainable on the web as well as from independent agents in Albany, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We’ve covered some good ideas how you can get a better price on car insurance. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. You may even discover the biggest savings come from a smaller regional carrier. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.