Car Insurance

1:59PM - How To Save Money And Get Discount Auto Insurance In Oregon

There are exciting things on the horizon for Oregon auto insurance purchasers, things like Pay-As-You-Drive (PAYD) Auto Insurance which charges insurance premiums by the mile, potentially saving low-mileage drivers a fortune in insurance costs, but until such time as a PAYD plan is fully implemented, Oregon drivers will have to compare auto insurance rates just like everyone else in order to find the best deal.

In Oregon there are three classifications into which a driver can be placed by an insurance company. Preferred drivers have not had an accident or made a claim in the past three years; they get the best rates. Standard drivers generally drive “family” cars and have a fairly clean – but not perfect – driving record; they receive the next best insurance rate. The lowest category is called Nonstandard. These are drivers with poor driving records or drivers under 25 years of age, or drivers who have been convicted of driving under the influence of alcohol or drugs; these drivers pay the highest auto insurance premiums.

Obviously if you want to save money and get discount auto insurance in Oregon you need to be in one of the top two categories.

A driver convicted of drunk driving or driving under the influence of drugs has little chance of improving his or her insurance classification for several years – however, a driver under the age of 25 can get a break on auto insurance premiums by staying in school and getting excellent grades. Such students are eligible for a Good Student Discount.

Other factors which have a direct impact on the rate you pay for auto insurance include the type of car you drive (sports car and high-performance car drivers pay the highest rate), your geographic location (city dwellers pay higher rates than those who live outside of congested cities), the number of miles you drive each day, and your past driving record. Even your credit score can influence your auto insurance rates, although Oregon law limits the impact that your credit score can have.

Today Oregon auto insurance shoppers can get online and relatively easily make comparisons between auto insurance rates offered by almost every auto insurance provider in the state. Spending an hour or two at one of the many sites offering such rate comparisons can help the average Oregon driver find the discount auto insurance that’s just right.



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1:58PM - Choosing The Best Auto Insurance Company

Choosing the right auto insurance company is very important since they will be the one to help you settle any auto related mishaps in the future. Auto insurance companies follow a basic set of benefits which they provide their policyholders. They only differ in the premiums. There are auto insurance companies that offer exorbitant insurance premiums and there are also those that offer affordable premiums. But just how can you know that the auto insurance company you have chosen is a reliable company?

A reliable auto insurance company is one that has a good reputation of paying or settling claims in the fastest time possible and pays the correct amount of claims. To check on your chosen auto insurance company you may visit your state’s department of insurance web site. You may not be aware of this but every state has its own department of insurance. Nowadays, most of these departments have their own web sites which display consumer complaint ratios of all insurance companies that sell in their state. These ratios will tell you just how many complaints each of the listed car insurance received per one thousand claims filed.

The complaint ratio will provide you with a gauge on which car insurance to choose. Likewise, out of the list of your chosen car insurance you may be able to also get the company that offers the lowest premium quotes. But make sure that your chosen car insurance company has one of the least ratios of complaint. The car insurance that ranks on both lists should merit your strongest consideration.

The next step is to find out which body shops are recommended by your chosen car insurance. Take note of the locations of their accredited body shops. See if there is an accredited shop that is in your area. If they have one in your area so much the better but you still have to check on the auto body shop to see if it has all the necessary auto repair equipment and machines that can effectively answer any auto repair that you may be requiring in the future.

After checking on the auto body shop and you need to ask them about the insurance company that accredits them. They will either give you a positive feedback or a negative one. Lucky for you if it’s a positive remark since this will mean that you have finally found the auto insurance that you want. However it is not yet the end of your search since there are still other factors you have to look into.

Additional information on the auto insurance company that you are considering may be found on the J.D. Power and Associates website. This organization is known to collect data from individual policyholders nationwide and asks these same policyholders to rate their auto insurance company according to coverage options, price, claims handling, satisfaction with representatives, including the overall experience that they have with their respective auto insurance companies.

Another factor for you to look into before you finally settle and pay your very first premium is the financial strength rating of the auto insurance company that you are considering. You may take a look at the A.M. Best and the Standard & Poor’s ratings. These two companies are known for publishing financial strength ratings of all insurance companies. The financial strength of an auto insurance company will determine its capacity to pay or to settle claims. Auto insurance companies that reflect a very low financial strength ratio would mean they do not have the capabilities of settling claims and therefore should not be chosen.


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1:57PM - How To Select A Combined Home And Auto Insurance Online

When you purchase more than one kind of insurance policy from the same company, you’re usually purchasing what’s called a “multi-line policy.” Some insurance companies may refer to this as a “combined policy.” Regardless of the name, most insurance companies offer discounts for these kinds of multi-insurance purchases. This means you could save loads of money on premiums by purchasing more than one kind of insurance policy from a company with which you’re already doing business. Cheaper and easier? It just makes sense.

If you already have a homeowner insurance policy, or an auto insurance policy, ask an agent or representative if your insurance company provides the opposite kind of insurance coverage, too (home or auto, whichever relates to your situation). Since purchasing both kinds of insurance coverage will most likely make you eligible for a discount, your insurance company undoubtedly has its own special procedures to get you signed up with a combined home and auto insurance policy.

If you don’t already have either kind of insurance policy, what are you waiting for? While homeowner insurance isn’t always required, auto insurance is required in all states. Get two birds with one stone by searching online for combined home and auto insurance. The process for shopping around for multi-line insurance isn’t much different than shopping for only one kind of insurance.

Simply search for insurance companies that handle both auto insurance and home insurance. Follow the same steps as you normally would (check coverage and price, research financial rating and customer complaints, and talk with current customers), then set up an appointment with an agent with the company to discuss getting set up with combined home and auto insurance.

It’s pretty easy to purchase auto insurance online; however, purchasing homeowner insurance isn’t always so cut and dry. When you’re ready to actually purchase combined home and auto insurance, it’d be in your best interest to speak with a live agent.

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