Oregonians pay about the average national rate for car insurance, but within the state there are large differences. Portland drivers pay among the highest rates while residents of smaller towns like Roseburg, Myrtle Point, and Monroe will find it much easier to get cheap car insurance in Oregon (OR). No matter where you live in the beaver state, you’ll find lower rates if you shop around.
We can connect you with the best discount car insurance carriers in Oregon – all you need to do is enter your zip code in the form above. You’ll then be presented with a list of insurers doing business in your location. Click one or more companies to instantly check rates. There is no obligation to use the service and it is completely free. We work with big carriers like Allstate and Geico, but also smaller local ones that can give you great rates.
If you are seeking cheap car insurance in Oregon we can provide some useful information that will save you money. First you need to understand what Oregon car insurance requirements are in place. State law mandates that every driver carry a minimum of $25,000 per injured person in Bodily Injury Liability, up to a total of $50,000 per accident. Oregonians must also maintain minimum Property Damage Liability Coverage of $10,000. These basic options are commonly called 25/50/10 coverage.
Oregon uses a tort system under which someone is found to be at fault for a car accident. That individual and his or her insurer are responsible for paying all the damages, so it’s very important to always maintain your coverage.
This year has seen a steep rise in Oregon auto insurance premiums. While Oregon drivers pay right around the national average of $1,729 in premiums, this is a 27% increase over 2008. With rates going up, it is vitally important to lock in cheap car insurance in Oregon before prices go even higher. Right now is the perfect time to start shopping for low rates, so use the form above to get started.
Taking the time to compare rate quotes is especially important because each insurer views your situation differently. If you live in an urban area like Portland, Eugene, or Salem, some carriers will charge you more while others specialize in city drivers, making it more likely that you will obtain cheap car insurance in Oregon. Likewise, if you are a high risk driver, some insurers will not touch you while others focus on your needs.
You should also be aware that the type of car your drive can have a big impact on how much your premiums are. It can be difficult to get cheap car insurance in Oregon if you drive a car that is frequently stolen. Here is the list of top 10 cars stolen in Oregon, as of 2004:
1. 1990 Toyota Camry
2. 1990 Honda Accord
3. 1991 Honda Civic
4. 1986 Toyota Pickup
5. 1995 Acura Integra
6. 1987 Toyota 4Runner
7. 1994 Nissan Sentra
8. 1991 Ford Escort
9. 1987 Toyota Corolla
10. 1993 Jeep Cherokee/Grand Cherokee
If you drive one of these vehicles, it is especially important that you take the time to comparison shop for coverage.
The time for overpaying on auto insurance is over. Start saving today by typing in your zip code in the form above. Happy savings!