Portland Oregon Auto Insurance

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This site aims to provide general information about insuring a car in Portland, Oregon. If you’re here, chances are you’re searching for information on that very subject. Most states require car insurance, and Oregon is no exception. Unfortunately, it is expensive, so hopefully this site will provide you with the information you need to save money. Last year, the average Portland motorist paid $1,300 for a year of coverage – not bad compared with the national average, but certainly higher than the state average of close to $1,100. Anything you can do to lower your premiums will certainly help your monthly budget.

One helpful hint can be just in how you structure your payments. Like many things, paying for more insurance up front will usually yield you a better deal. That is, if you’re willing to pay for six months worth of coverage up front, then you’re likely to get a better deal than you would simply paying month to month. And, obviously, the savings increase if you’re willing to pay for a full year’s coverage. The difference may not be huge, but if your month to month rate was something like $90, an insurance company might let you buy six month’s worth of coverage for $500, or a year’s worth for $950. Every little bit helps.

Of course, beyond simply altering your pay structure, there are numerous other factors that help determine how much you will have to pay for car insurance. Age is a big one, and is completely out of your control. The fact of the matter is that older driver, with more experience, tend to get into fewer collisions. One common myth is that once you hit 25 years old, your insurance rates will drop dramatically. Actually, insurance companies adjust your rates on a more gradual scale, as it makes little sense that a driver simply irons out all of their flaws the day they turn 25. Another big factor is gender, and it too, is completely out of one’s control. Though a common perception is that Read the rest of this entry »

This question is common among individuals who are looking to buy car insurance and often a difficult one to answer due to the complicated nature of the subject. With so many different portland car insurance companies out there and countless options within each one, finding the right one can be quite a challenge.

For those who are new to the topic, the first questions may be how much insurance is enough? In difficult economic times, many individuals are dropping insurance in order to save money. Everyone knows that it’s dangerous to be uninsured, but with the growing rate of unemployment, the number of drivers who are taking the risk of driving without insurance also continues to rise. Here are a few guidelines to help you determine how much insurance you actually need.

Many individuals who are finding themselves in an economic pinch are only purchasing the minimum amount of insurance, which is a good place to start. However, while this make your car legal to drive, it may not protect your car or assets properly. Unless you are driving an old car that is not worth repairing if involved in a crash, it is recommended that you carry more than the minimum amount of insurance. Every state with the exceptions of Wisconsin and New Hampshire require drivers to carry liability insurance to protect against property or individuals injured in the event of an accident. The amount of insurance required varies from state to state as well as the rates for property damage and personal injury coverage required.

Many states also require personal injury protection for drivers which pays for your own medical expenses or any lost wages as a result of being injured in an auto accident. The states that require this type of insurance are Arkansas, Delaware, Florida, Hawaii, Kansas Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, and Utah. This type of insurance will also pay a death benefit if a life is lost during an auto accident. When it comes to liability insurance, almost all states require a minimum amount to be paid in the event that you cause injury to another. Due to the difference in laws according to state it may be beneficial to purchase additional insurance. If you injure a person and your insurance isn’t enough to pay for their medical expenses, they will likely attempt to seize your assets through a court battle. To protect your assets, it is wise to purchase Read the rest of this entry »