Oregon Car Insurance Rates
Motorists in the state of Oregon must ensure that they have ample car insurance as dictated by law. Insurance requirements in the state of Oregon include bodily injury, property damage, personal injury protection and uninsured motorist coverage. Those who choose to operate a motor vehicle in the state of Oregon must have the minimum amount of insurance or they face fines, the suspension of their license and the possibility of having their vehicle towed. No two insurance policies are alike and it is recommended to compare various car insurance company quotes in order to find the most affordable Oregon car insurance rates.
Oregon’s mandatory car insurance minimums are $25,000 per person in bodily injury protection for one person, $50,000 for bodily injury to more than one person and $20,000 for property damage to others vehicles. Personal Injury Protection is also required and should be $15,000 per person and $25, 500 per person for uninsured motorist coverage with $50,000 per crash for bodily injury. According to Oregon law, all motorists must ensure they have acceptable proof of auto insurance when they are operating a motor vehicle. Proof of insurance includes your insurance card or policy, a letter obtained by your insurer (must be on official letterhead); a certificate of self insurance provided through the Oregon Department of Motor Vehicles, or an Oregon auto dealer license plate. Once you find a policy with affordable Oregon car insurance rates, make certain to carry proof of insurance in your vehicle at all times.
As Oregon is known for having a large amount of rainfall per year, there is a high risk of rain related accidents that occur statewide. Insurance will help make certain that should you be involved in an accident you will be financially protected. As there is a good amount of coverage that you must purchase, you’ll find that it is advantageous to compare various quotes in order to get low cost or cheap Oregon car insurance rates. By choosing cheaper insurance, you may find that you can purchase a higher level of coverage than you otherwise might not have been able to afford. In addition to the minimums, many motorists choose to purchase additional coverage such as liability, collision and comprehensive and collector car insurance. There are several steps that motorists may take in addition to comparing free online car insurance quotes in order to find the most affordable Oregon car insurance rates. These include keeping track of your credit report, paying attention to your driving record and making sure that your vehicle has the latest safety equipment and features.
There are many factors that can impact your car insurance rates and some of these are outside of your control. It’s a good idea to pay close attention to the factors that you can change in order to keep your rates low. Some of these include making sure your credit score is high and that you pay your bills on time. Check your credit report for any errors and if you find some make certain to dispute them. Your credit score will instantly determine whether or not you qualify for low rates so keep track of your credit score.
Driving safely and avoiding traffic accidents, tickets or violations will keep you from getting points on your record. This is an important step to keeping your insurance rates low. Additionally, take good care of your vehicle and make sure that you add anti theft systems to your car, as well as purchase a vehicle with low mileage, air bags and an anti lock braking system (ABS). These additions plus equipping your car with safety gear to make sure it can handle hazardous weather will help you qualify for various discounts and lower your Oregon car insurance rates.
By taking advantage of the free online quotes available to consumers, you can find the lowest Oregon car insurance rates and make certain you select an affordable policy that fits nicely with your budget.