You can get cheap car insurance in Portland if you only buy the minimum amount of insurance required by Oregon law. Oregon doesn't leave out much when it comes to the minimum car insurance requirements. Drivers in Portland must have bodily injury liability, property damage liability, a "per crash" bodily injury, a "per crash" property damage, personal injury protection (to cover the cost of medical care for the injured party for up to a year after the accident) and uninsured motorist coverage.
You might not think you need full-coverage auto insurance in Oregon because there are so many Portland car insurance options.
Here are the minimum amounts of car insurance that are required in Portland:
#!$10,000 per accident for damage to property
$15,000 in insurance for personal injuries
- Liability for property damage and injuries of $25,000 per person
#!$50,000 per accident if someone gets hurt.
#!$25,000 per person and $50,000 per accident for injuries caused by uninsured drivers in Oregon.
Of course, not all Oregon drivers can get cheap car insurance in Portland by buying just the minimum amount of liability insurance. Why? Not all drivers are allowed to buy only the bare necessities. When you don't own your car outright, lenders and/or Oregon car insurance companies may require you to buy full-coverage auto insurance. Maybe a driver has had his or her licence taken away or suspended, and the courts have told him or her to buy more car insurance than what is required in Oregon.
No matter why, these Oregon drivers must find other ways to get cheap car insurance in Portland. One way to lower the cost of auto insurance is to follow the court's orders and work to fix your driving record. Another way is to buy or add safety features to your car. To protect your car even more and lower your Portland car insurance rates, you can do things like park it in a well-lit area like a private parking lot.
