Cheap Oregon Auto Insurance

We need to do just about everything we can to assure that our money is being well spent. Unfortunately, car insurance can be expensive, and even still – there are things that we can do about it. If you’re looking for cheap Oregon auto insurance, we may be able to help with our free quote tool. You may be able to save a bunch of money, as many have found out in the past.

The state of Oregon, like many other states, has put laws regarding driving and cell phone usage into place. Not adhering to any of their newest laws will have an adverse effect on anyone on the hunt for cheap auto insurance in Oregon. Whereas some states target teen drivers with their cell phone and texting laws, Oregon applies their laws to all drivers. It is against Oregon law for any driver to use any type of communication device while operating a motorized vehicle. Individuals over the age of 18 may use a hands free device. Individuals under 18 are not permitted to operate any type of communications device unless it is an emergency. This law went into effect on January 1, 2010.

Insurance companies in Oregon are not required by law to notify the state in regard to the mandatory insurance coverage. A lapsed insurance policy will not be automatically reported to the state but you can still get caught driving without insurance which will involve penalties which include fines and possible jail time. And when a person considers how cheap auto insurance in Oregon is; it really doesn’t make sense to be without insurance.

Using your credit history to determine rates and renewals in the state of Oregon is a topic of controversy. Your credit history cannot be used to raise your premiums or canceling or refusing to renew a policy which is already in force. Your credit history can be used to determine if an insurance company will issue a new policy as long as they can prove that it helps them determine product prices and the cost of future claims, and while controversial, it does play a strong part in determining whether or not a person will receive cheap Oregon auto insurance. They have to show that the credit history is used only for evaluation purposes and is used in connection with other factors which have a direct effect on insurance claims.

Insurance companies must inform their customers of how they intend to use the information before they can access the information. If the information is to be used to determine if they will cover you or not, they must inform you of this fact before they use your credit history and they must give detailed reasons for any action resulting from the use of your credit history. Keep in mind that insurance companies use several factors to make insurance decisions such as age, gender, marital status, driving record, and make, model, and year of vehicle to be insured. All of these things are used to determine whether you’ll get cheap Oregon auto insurance or an expensive policy.

Some things you can do to reduce your premiums are to maintain a clean driving record, and drive a vehicle with a good safety rating. Other things that can affect your insurance are the area where you live and work and the traffic volume in that area. If you have a teenage driver, it may be less expensive to include them on the family policy. Stress with them the importance of maintaining good grades and a clean driving record as these will help to defray the cost of premiums. Your age, the age of your car as well as its condition and the type of vehicle you drive, your gender, and your marital status will play a factor in acquiring cheap auto insurance in Oregon. Another thing to be aware of is the most frequently stolen cars in the state of Oregon. The list below is from 2006.

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

With our free quote tool, you’ll be instantly connected with the perfect policy. There have been plenty of people who’ve gone through us and have found an auto insurance policy in Oregon that they genuinely enjoy. More often than not, a person will come to the conclusion that they can save quite a bit more if they switch their existing policies. If you’re looking for something new – give it a try!

Useful links:
Oregon Division of Motor Vehicles
Oregon Division of Insurance
Oregon Department of Revenue

Bodily Injury Liability Per Person: $25,000.00 Limit
Bodily Injury Liability Per Accident: $50,000.00 Limit
Property Damage Per Accident: $10,000.00 Limit
Personal Injury Protection: $15,000.00 Limit
Unisured/Underinsured Motorist Coverage: $25,000.00/$50,000.00 Limits

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