Cheap Auto Insurance in Oregon

Auto insurance is a crucial element of owning a vehicle. When you’re on the road, you want to know that you and your car are protected in case of an accident. But finding affordable auto insurance can be a challenge, especially if you live in a state with high insurance rates. In this article, we’ll discuss how to find cheap auto insurance in Oregon.

Why is Auto Insurance Important in Oregon?

In Oregon, it’s mandatory for all drivers to have liability insurance. Liability coverage pays for damages and injuries you may cause to other drivers or their property. The minimum liability coverage required in Oregon is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 per accident for property damage.

But liability coverage only covers damages and injuries you cause to others. It doesn’t cover damages to your own car or injuries you sustain in an accident. That’s why it’s important to consider additional coverage options when buying auto insurance.

What are the Additional Coverage Options?

There are many additional coverage options you can choose from when buying auto insurance in Oregon. These options include:

How to Find Cheap Auto Insurance in Oregon?

Now that you know the importance of auto insurance in Oregon and the different coverage options available, let’s discuss how to find cheap auto insurance.

Shop Around

The best way to find cheap auto insurance is to shop around and compare quotes from different insurance providers. Be sure to provide accurate information when requesting quotes, including your age, driving record, and car make and model. You may also be eligible for discounts, like safe driver discounts or discounts for bundling your auto insurance with other types of insurance policies.

Consider a Higher Deductible

Your deductible is the amount of money you pay out of pocket before insurance coverage kicks in. Choosing a higher deductible can lower your monthly premiums, but be sure to choose a deductible that you can afford to pay in case of an accident.

Bundle Your Policies

You can often save money on auto insurance by bundling your policy with other types of insurance, like homeowner’s or renter’s insurance. Talk to your insurance provider to see if they offer any bundling discounts.

Improve Your Credit Score

Insurance providers often look at your credit score when determining your premiums. Improving your credit score can help you qualify for lower rates.

Drive Safely

Having a clean driving record can also help you qualify for lower insurance rates. Drive safely and avoid accidents and traffic violations.

Conclusion

Auto insurance in Oregon is mandatory, but that doesn’t mean you have to pay a fortune for it. By shopping around, considering different coverage options, and taking steps to improve your eligibility for discounts, you can find affordable auto insurance that still provides the protection you need.

Frequently Asked Questions

What is the minimum auto insurance required in Oregon?

The minimum liability coverage required in Oregon is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 per accident for property damage.

What are some additional coverage options to consider?

Additional coverage options include collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage.

How can I find cheap auto insurance?

To find cheap auto insurance, shop around and compare quotes from different insurance providers, consider a higher deductible, bundle your policies, improve your credit score, and drive safely.