Nobody like to pay more for car insurance than they have to, and this is especially true in Oregon, which has some of the highest automobile insurance rates in the country.
There’s really no trick to finding affordable car insurance in Oregon. It’s simply a matter of shopping around and comparing as many different companies as possible.
Thanks to the internet and a variety of free quote services, getting comparisons is not as difficult as it used to be – but it is still tedious and time-consuming.
To save time it is advisable that you have all of the necessary information in front of you before you log onto a car insurance quote site. Having everything at your fingertips will save you a lot of time and headaches.
First, have your driver’s license in front of you. You will need to supply all the “standard” information: name, address, birth date, gender, and martial status. They will also ask for your driving record for the past 5 years. This will include a list of accidents, claims against your present insurance company, and any tickets you have received. Be truthful – they will double-check your answers.
They will also ask about your occupation and the number of years you have been employed, as well as ask questions about your credit history; drivers with good credit get a break on their auto insurance rates.
They’ll want to know how many people will be driving the car and their ages and genders, and they will ask if you rent or own your own home (homeowners often get a slightly lower rate).
In addition they will need information about the car you will be insuring. They will need your vehicle’s year, make, and model, as well as any anti theft devices or safety devices the car has. They will also ask if you own your vehicle or if it is being financed. You will also need to have your vehicle’s VIN number. The VIN number can be found on the driver’s side dash board under the windshield or in the glove compartment on the right hand side.
They’ll want to know if your vehicle is used primarily for business or pleasure and approximately how many miles you drive each week.
Finally they’ll ask about your current insurance and then ask what types of coverages you want and what deductibles you’re considering.
Even though it seems like a lot of information, most of it is fairly standard information that you will know off the top of your head. The rest you will need to gather.
The payoff for the effort you’re making will be affordable car insurance month after month, year after year – and for most people that’s worth an afternoon of online comparison shopping any day!