Most people really can't pay more for car insurance than they have to. I don't know anyone who enjoys paying their car insurance premium every month.
But we have to pay it if we want to drive our cars legally and morally on public roads. But that doesn't mean you can't take steps to lower your monthly payments. Some of them may even be ideas you didn't know about.
For example, if you have good credit, you might be able to get a discount on your car insurance. Most people don't know this, but your car insurance rates can be affected by your overall credit score.
When was the last time you just asked your car insurance company for a list of all the discounts they offer? You might be surprised to find out about discounts that are rarely used but could help you save money.
For instance, do you belong to an organisation like AAA or work for a big company? Insurance companies often give members of a group a discount on their rates.
If you're a student in Oregon, you already know that car insurance rates can be high. But did you know that if you keep your grades up, many insurance companies will give you a discount?
If you get your home, life, and car insurance from the same company, you may get a discount for having more than one policy with them.
If your car has an anti-theft device or you put one in yourself, check with your insurance company. Almost all of them will give you a discount if your car has an anti-theft device.
If you have an older car with little or no Blue Book value, Comprehensive insurance might not be a good idea. This is the insurance that pays for your car in case of an accident. If your car has little or no Blue Book value, your insurance company probably won't pay you much, if anything.
Increasing the deductible on a car is one of the easiest things Oregon drivers can do to get the best rates on car insurance. Your deductible is the amount of money you have to pay out of pocket after an accident before your insurance starts to pay. If you raise the deductible on your car insurance from $200 to $1,000, you can sometimes cut your monthly payment by as much as 50%.
No matter what you do, you should look at several companies and compare prices. Prices for the same car insurance can vary by many hundreds of dollars per year depending on where you buy it.
Today, there are dozens of sites on the internet that let you compare auto insurance with the click of a button and find the best rates on car insurance in Oregon in no time at all.
