Oregon Car Insurance
< Student Driver >
James is currently a senior studying finance in Eugene, Oregon at the University of Oregon. His parents, who live in Portland, have recently bought him a used 2005 Honda Civic for his birthday. Since this is the first time James will need to get car insurance in Oregon, he is looking to get the cheapest auto insurance to fit into his tight budget. James does not need to drive much as he works part time at a local restaurant in Eugene close to where he lives and will drive to Portland about once a month to visit his parents. James estimates he will drive about 250 miles a month or about 3,000 miles a year. What are the steps James can take to get cheap car insurance?
The first place to get a cheap quote is insurance coverage. Since James owns his own car and has no other assets to protect, it makes sense to get the minimum liability coverage as required by the State of Oregon. To view the minimum required coverage in Oregon please click here. Since James is not driving much and his car is getting older, it makes sense to have higher deductibles. By moving his comprehensive and collision deductibles from $250 to $1,000 James can save over a $1,000 a year. This is a good strategy to see cheap auto quotes, although it is not suggested as a good long term strategy as James gets older and accumulates assets.
One area James should leverage is the low amount of annual miles he drives. Mileage is a primary factor Oregon car insurance companies use to determine rates. One way to get quotes to matches low miles is to look at pay as you go car insurance. Typically, Oregon auto insurance companies will only have 2-3 levels they look at to determine premiums. The pay as you go program will scale on a smaller level and should show cheaper pricing as miles driven drops.
Another area James should look to get cheap rates are discounts. As a student at University of Oregon, most car insurance companies will provide discounts up to 20% to good students. Typically this discounts goes to students with at least a B grade point average. Another way to get discounts is to take defensive driving courses.
The last and best way to find cheap auto insurance quotes in Eugene or any other city in Oregon is to shop around. Oregon auto insurance companies are very careful to being over exposed to a particular risk profile, such as student drivers. The best way to find the company most tolerant of student drivers is to receive multiple quotes from many companies. Best Oregon Quotes works with most of the major Oregon car insurance companies and there is no charge to receive multiple quotes.