Wasting Money on Car Insurance in Grants Pass Oregon? Here’s How to Save!

Finding lower rates for Grants Pass car insurance is always nearly impossible for beginners to comparison shopping online. You have so many options that it can quickly become a lot of work to locate the lowest price in Grants Pass.

Do you qualify for discounts?

Car insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so here is a list both the well known and the harder-to-find car insurance savings.

  • Paperwork-free – Some insurance companies give back up to $50 just for signing your application digitally online.
  • Senior Discount – Older drivers may receive a small decrease in premiums.
  • Accident Free – Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Driver Safety – Taking part in a driver safety course could cut 5% off your bill depending on where you live.
  • Drivers Ed for Students – Have your child enroll in driver’s education if it’s offered in school.
  • Resident Student – Kids in college living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To choose insurers who offer car insurance discounts in Grants Pass, follow this link.

Cheap Grants Pass Car Insurance Comparisons

When shopping for car insurance there are multiple ways of comparing rate quotes from car insurance companies in your area. The recommended way to find the cheapest insurance rates involves getting comparison quotes online. This can be done in a couple of different ways.

  1. The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This easy form eliminates the need for separate quotes for each company you want a rate for. Taking the time to complete one form compares rates . It’s definitely the quickest method.
  2. Another way to analyze rates is to manually visit the website for each individual company to request a price quote. For example, we’ll pretend you want comparison quotes from Farmers, 21st Century and Liberty Mutual. To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker.

    To view a list of companies in Grants Pass, click here.

It’s your choice how you get your quotes, but make sure you use identical coverage limits and deductibles with each company. If the quotes have different liability limits it will be very difficult to make a fair comparison in Grants Pass. Just a small difference in coverages can make a big difference in price. And when comparison shopping, quoting more helps you find lower pricing.save money concept

Tips to Get Lower Grants Pass Rates

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that can help you get better car insurance rates.

  • Discounts for multiple policies – Most insurance companies provide better rates to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, you still need to compare other company rates to ensure the best deal.
  • Extra add-on coverages are wasting money – There are many additional coverages that can waste your money on your car insurance policy. Insurance for rental car reimbursement, accident forgiveness and term life insurance may be costing you every month. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Where do you drive? – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars left parked in the garage receive lower rates than vehicles that are driven to work every day. Make sure your car insurance policy is showing the correct driver usage, because improper ratings can cost you money.
  • Too many car insurance claims drive up costs – If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Auto insurance companies in Oregon provide better rates to insureds who are claim-free. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Liability insurance protects assets – Liability coverage will protect you if ever you are found to be at fault for damages from an accident. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Your stress level may be raising your rates – Did you know your job can affect your rates? Occupations such as doctors, business owners and accountants tend to have higher rates than average because of stressful work requirements and lengthy work days. On the flip side, occupations such as actors, athletes and homemakers receive lower rates.

Car insurance ads bend the truth

Companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. All the ads have a common claim that you’ll save big if you switch to their company. How does each company make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the type of driver they prefer to insure. For instance, a preferred risk could possibly be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. Any new insured that hits that “sweet spot” will get the preferred rates and therefore will cut their rates substantially.

Potential insureds who don’t qualify for the “perfect” profile will be charged higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save money. That’s why insurance companies can make the claims of big savings. That is why drivers should get as many quotes as possible. It’s just too difficult to predict which company will have the lowest rates.

In the end, you save

We covered a lot of techniques to reduce car insurance prices online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from the smaller companies.

Discount car insurance can be bought online and also from your neighborhood Grants Pass agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

save money concept

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced physical damage coverage and learned later that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Additional Oregon consumer information

More tips and info about car insurance is located at the Oregon Insurance Division website. Oregon drivers can file complaints about an insurance agent or broker, view agent and company licensing information, and download brochures.

Other useful links include Wikipedia and this page on QuoteClickInsure.com.