Professional Methods to Cheaper Salem Car Insurance

Scraping up a payment for overpriced car insurance can drain your checking account and force you to make sacrifices. Shopping your coverage around is a smart way to cut your insurance bill. Lots of insurers contend for your hard-earned dollar, so it can be very hard to choose a insurance company and get the best coverage at the lowest rate

You should make it a habit to take a look at other company’s rates once or twice a year since insurance rates are constantly changing. Even if you think you had the best price two years ago a different company probably has better rates today. So just forget anything you know (or think you know) about car insurance because it’s time to teach you one of the best ways to save money, get proper coverage and the best rates.

If you have a current car insurance policy or need a new policy, you can use these techniques to find the best rates while maximizing coverage. Choosing the best insurance company for you in Salem is not rocket science. Oregon consumers just need to understand the most efficient way to shop for car insurance online.

Comprehensive Car Insurance Comparison in Salem, Oregon

All major car insurance companies provide prices on their websites. The process is quite simple as you just enter the amount of coverage you want into the quote form. Upon sending the form, their system pulls your driving and credit reports and returns a price based on these factors. Online quotes makes comparing rates easy, but the work required to visit multiple sites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible in order to get the lowest car insurance rates.

There is a better way to compare rates

The quickest way to find cheaper rates makes use of a single form to obtain quotes from a bunch of companies at once. This type of form saves time, reduces the work, and makes online shopping much simpler. Once the form is submitted, it is rated with multiple companies and you can pick your choice of the returned quotes.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. It can be completed in less than 10 minutes and can result in significant savings.

To use this form to compare rates, click here and submit your coverage information. If you have a policy now, it’s recommended you type in your coverages exactly as shown on your declarations page. Doing this guarantees you will have a fair comparison for exact coverage.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for the rating factors that go into determining the price you pay for car insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.<img class="alignright" style="padding-top:15px" src="" alt="Auto insurance in Salem” />

  • Do you have a high stress job? – Occupations such as doctors, executives and dentists tend to pay the highest average rates due to job stress and lots of time spent at work. Other occupations such as scientists, historians and the unemployed have the lowest average rates.
  • Don’t buy coverages you don’t need – There are quite a few additional coverages you can purchase when buying car insurance. Coverages like roadside assistance, better glass coverage and additional equipment coverage are examples of these. These coverages may sound good when you first buy your policy, but now you might not need them so get rid of them and save.
  • Liability coverage is cheap – Liability coverage is the coverage that protects you if ever a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Pay less after the wedding – Getting married helps lower the price when buying car insurance. Having a spouse means you’re more mature it has been statistically shown that married couples file fewer claims.
  • Teen drivers pay high rates – More mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations. Teenage drivers have a tendency to be careless and easily distracted when driving and because of this, their car insurance rates are much higher.
  • Performance influences rates – The performance of the vehicle you are insuring makes a big difference in how high your rates are. Economy passenger vehicles generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and any reduction in injury severity means less money paid by your insurance company and thus lower rates.
  • Proper usage rating affects rates – The more you drive in a year’s time the more you will pay for car insurance. The majority of insurers apply a rate determined by how the vehicle is used. Vehicles left parked in the garage can get a lower rate than those used for commuting. Make sure your car insurance policy properly reflects the correct driver usage, because it can save money.

Save big with these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don’t even know exist. Most are applied when you purchase, but some must be asked for before being credited. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Save over 55 – Mature drivers can possibly qualify for a small decrease in premiums.
  • Save with a New Car – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Safe Driver Discount – Safe drivers may save up to 50% more than their less cautious counterparts.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will bring down the cost of coverage.

For a list of insurers with the best car insurance discounts in Oregon, follow this link.

Situations that might require an agent

When it comes to choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining if your situation would benefit from professional advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need to file an SR-22 for a DUI in Oregon?
  • What can I do if my company won’t pay a claim?
  • Is my custom paint covered by insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I qualify for additional discounts?
  • At what point should I drop full coverage?
  • Do I need motorclub coverage?
  • What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

What happened to insurance agents?

A small number of people would prefer to buy from a licensed agent and there is nothing wrong with that. Good agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of getting online price quotes is that you can obtain the lowest rates and still choose a local agent. And providing support for local insurance agencies is important especially in Salem.

To help locate an agent, after submitting this simple form, your information is submitted to local insurance agents in Salem who will return price quotes to get your business. You don’t have to visit any agencies since price quotes are sent directly to your email. How’s that for easy!

If you wish to contact a specific insurance agent in Salem, please view this page.

Deciding on an provider needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:

Auto insurance in Salem

  • Does the agency support the community they serve?
  • Will your rates increase after a single accident?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • How are claims handled?
  • What insurance companies do they recommend if they are an independent agent?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Is assistance available after office hours?
  • Are there any discounts that you might be missing?

Once you have positive responses as well as a affordable price, you’ve probably found an insurance company that is a good match to provide car insurance coverage.

Better coverage you can count on

We just presented a lot of information how to compare car insurance prices online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with a small local company. They may have significantly lower rates on certain market segments compared to the large companies like Progressive and GEICO.

Discount car insurance is definitely available from both online companies and with local Salem insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

Online resources for education

Additional car insurance information can be found on the website for the Oregon Insurance Division found here. Consumers can learn about insurance regulations, find out industry alerts, and report car insurance fraud.

Other useful links include this link for Oregon car insurance quotes and this link where you can make Salem car insurance comparisons.