Ultimate Techniques for Cheaper Corvallis, OR Car Insurance

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.

How to Lower Your Car Insurance Cost in Corvallis, Oregon

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.

Are you getting all your discounts?

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.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Homeowners Pay Less – Owning a home in Corvallis can save you money because owning a home shows financial diligence.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Driver Safety – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Paperless Signup – Certain companies will give a small break for buying a policy and signing up online.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance from them.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.

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.

Quote online but work with a neighborhood agent

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:

  • Is their price quote a firm figure or are their hidden costs?
  • How long has their agency been open in Corvallis?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Are there any discounts that you might be missing?
  • Are they full-time agents?

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.

Different people need different coverages

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.

  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Exactly who is provided coverage by my policy?
  • When should I not file a claim?
  • Should I buy additional glass protection?
  • When would I need rental car insurance?
  • Am I getting all the discounts available?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is rental equipment covered for theft or damage?

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.

Why your price might be higher

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.

  • Claim-free discounts can add up – Car insurance companies in Oregon give lower rates to policyholders who are claim-free. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for major claims that would cause financial hardship.
  • Credit scores impact car insurance rates – Having a bad credit score is a important factor in calculating your car insurance rates. People with high credit ratings tend to be more responsible than those with poor credit. If your credit score is low, you could be paying less to insure your by improving your credit score.
  • More people means more accidents – Residing in a rural area has it’s advantages when it comes to car insurance. Drivers who live in large cities have to deal with congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents.
  • Marriage brings a discount – Being married can actually save you money when buying car insurance. Marriage translates into being more responsible and it’s statistically proven that drivers who are married are more cautious.
  • Occupation reflects on rates – Occupations like judges, social workers and dentists have the highest average rates due to high stress levels and lengthy work days. Other professions such as pilots, historians and the unemployed get better rates.
  • High crash test scores lower rates – Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and lower rates for you.

Beware of misleading car insurance ads

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?

save money in Corvallis

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.

Cheaper insurance is a realistic goal

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.

Oregon car insurance information

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.

Additional helpful sites include FindNewCarInsurance.com and this resource to find Corvallis, OR insurance agents.