Affordable Car Insurance Auto Insurance in Oregon - Compare Rates

Portland, Eugene, Medford, Springfield, Gresham.... It doesn't matter where you live. If you drive a car then auto insurance is a must for you. The State of Oregon requires you to carry proof of liability insurance. So if you haven't received your insurance card from the company, then don't forget to ask for it.

Driving without a valid insurance could lead to heavy fines and suspension of driving privileges. If you are convicted then you will have to file proof of financial responsibility (SR-22) with the State for next 3 years. This means that you are spending more money than what you will when you buy the minimum State requirement.

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Then isn't auto insurance a better option?

The State requires you that you at least buy the minimum insurance liability.

The mandatory coverage includes the following:

Bodily Injury Liability
>> This coverage will pay for any injury to the victims in an accident where you were at-fault. In case you are sued in the Court of Law for causing the accident, then this coverage will also pay for the legal expenses.
>> The minimum limit is $25,000 per person and up to a total of $50,000 per accident.

Property Damage Liability
>> The coverage is beneficial when you damage property of others. It will include damages to a car, a tree, or even a mail box.
>> This coverage will pay for repairs cost for repairing the car and also replacement cost for replacing the valuables inside the car.
>> The minimum limit is $20,000 per crash.

Other than the liability insurance the State also requires that you buy.

Personal Injury Protection (PIP)
This is a no-fault insurance. It allows you and your passengers to have coverage for "reasonable and necessary" medical, dental and other expenses for a year after a crash up to a maximum limit of $ 15,000. This coverage will also provide for loss of earnings, funeral expenses and child care.

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Uninsured Motorist Bodily Injury (UMBI) and Under Insured Motorist (UIM) Coverage
Even though auto insurance is mandatory in the State there are many drivers who don't own a policy. If you are involved in an accident in which the driver at-fault is uninsured or underinsured then reimbursement of your damages will be difficult. It is at this time when the coverage will be useful. The limit is the same as Bodily Injury Liability.

Other than the mandatory coverage, you can also buy collision coverage which will pay for the repairs when your vehicle is damaged due to a collision with another car or any other object.

Comprehensive coverage will pay for almost anything other than a collision. It will pay for the damages to your car resulting from theft, vandalism, windstorms, fire, hail, impact of animal etc.

There are few companies which also have the "pay as you go" auto insurance. This will help you if you drive less.

Tips for affordable auto insurance:

When you buy a car, you must know the fact that few cars (e.g. sports car) have higher insurance compared to others .You can save money on insurance if you buy the right car.

When you decide to buy auto insurance, it is advantageous if you go online and get quotes from several companies. This will save you time and you will be able to compare the similar coverage available.

If you think that the cost of repair is more than the total replacement cost of your car. Then there is no point in buying the collision coverage. You can save a lot when if you refrain from buying unnecessary insurance.

You can also raise your deductible and gain a short-term advantage of lower insurance rates.

Saving money on discounts is also an option you cannot let go. Various discounts include:
>> Good student discount
>> Good driver discount
>> Discount for completing driver education course.
>> Discount for mature driver
>> Discount for installing safety devices in your car.

Your insurer is allowed to use your driving record of the last 3 years. So you must ensure that you drive safe and don't get any traffic tickets. If you have received any ticket or a DUI conviction, then taking a defensive driving course and driving sober may reduce your insurance premium.

So now when you buy insurance make an informed decision.

All the best for insurance shopping!!

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