Buy Keizer, OR Car Insurance for the Lowest Rate With These Tricks

Confused by the sheer number of car insurance choices in Keizer? You’re not the only one! People have so many options available that it can quickly become a ton of work to compare prices.

Finding Car Insurance Deals in Keizer

All major car insurance companies such as GEICO, State Farm and Progressive allow you to get pricing online. Obtaining pricing doesn’t take much effort as you simply type in the coverage amounts you desire as detailed in the form. After you complete the form, the system sends out for your credit score and driving record and generates pricing information.

This simplifies rate comparisons, but the work required to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible in order to get better prices.

A quicker way to compare car insurance pricing requires only one form that obtains quotes from several different companies. The form is fast, helps eliminate reptitive entry, and makes online price comparison a little more enjoyable. As soon as you send your information, it is rated and you are able to buy your choice of the price quotes you receive. If a lower price is quoted, you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and could lower your rates considerably.

To quickly find out what other companies charge, click here to open in new window and fill out the form. To compare your current rates, we recommend you duplicate your coverages just like they are on your policy. This guarantees you will be getting an apples-to-apples comparison for exact coverage.

Car insurance myths debunked

Car insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to make an identical promise about savings if you move to their company. How can each company claim to save you money? This is how they do it.

All companies can use profiling for the driver that is profitable for them. An example of a desirable insured could be between the ages of 30 and 50, a clean driving record, and chooses high deductibles. A driver that hits that “sweet spot” will get the preferred rates and therefore will save quite a bit of money when switching.

Potential customers who do not match the requirements will be quoted more money and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently state the savings. This emphasizes why you should get quotes from several different companies. Because you never know the company that will give you the biggest savings.

Take discounts and save

Companies offering auto insurance do not list every discount very clearly, so we researched some of the best known and the harder-to-find savings tricks you should be using.

• No Accidents – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
• Driver Safety – Taking part in a course in driver safety could save 5% or more and easily recoup the cost of the course.
• Government Employees – Simply working for the federal government can save as much as 8% depending on your company.
• Homeowners Discount – Owning a house in Keizer may trigger a car insurance policy discount because maintaining a house shows financial diligence.
• Air Bag Discount – Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
• One Accident Forgiven – A few companies will forgive one accident before your rates go up as long as you don’t have any claims for a certain period of time.
• Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Just because it seems like all those discounts means the company will pay you, you’re out of luck.

What if I want to buy from a local Keizer agent?

Some people would rather get advice from a local agent and that is OK! One of the great benefits of comparing insurance prices online is you may find the lowest rates and still choose a local agent.

Upon completion of this quick form, your information is instantly submitted to companies in Keizer who will compete for your coverage. You don’t have to visit any agencies due to the fact that quote results will go immediately to your email address. How cool is that?! You’ll get the best rates and a licensed agent to work with.

Selecting a company should depend on more than just a low price. Here are some questions to ask:

• How long has their agency been in business in Keizer?
• Is their price quote a firm figure or are their hidden costs?
• How much can you save by raising your physical damage deductibles?
• Do they carry Errors and Omissions coverage?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Can they provide you with a list of referrals?

Two types of insurance agents

When searching for a reputable insurance agent or broker, there are a couple of different agency structures that differ in how they can insure your vehicles. Agencies in Keizer can either be captive or independent (non-captive).

Captive Insurance Agents

These agents are contracted to one company and some examples include State Farm, AAA and Liberty Mutual. They generally cannot give you multiple price quotes so always compare other rates. Captives are trained well in insurance sales which helps them compete with independent agents. Some people will only buy from captive agents primarily because of the prominence of the brand and the convenience of having all coverages with one company.

The following is a list of captive insurance agencies in Keizer who may provide you with price quote information.

• Farmers Insurance Group – 113 Mcnary Estates Dr N – Keizer, OR 97303 – (503) 463-6601
• Allstate Insurance – 3463 River Rd N – Keizer, OR 97303 – (503) 393-0620
• American Family Insurance – 103 Mcnary Estates Dr N – Keizer, OR 97303 – (503) 585-1001
• Guerra Joe State Farm Ins – 3791 River Rd N – Keizer, OR 97303 – (503) 463-1388

Independent Agents

Independent agents are not required to write business for one company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies.

When searching for an agent, we recommend you include at a minimum one independent agency to ensure the widest selection of prices. Many write coverage with smaller companies which can save you money.

Below is a short list of independent insurance agencies in Keizer that are able to give price quote information.

• Virgil Barth Insurance Svc – 142 Glynbrook St N # 200 – Keizer, OR 97303 – (503) 585-8747
• Multiline Insurance – 6378 Crenshaw Dr N – Keizer, OR 97303 – (503) 581-3316

For a full directory of licensed insurance agents in Keizer, view this link.

Once you have received satisfactory answers for all questions you ask in addition to an acceptable price estimate, you may have just found an insurance agency that is a good match to properly service your car insurance policy.

How do I know if I need professional advice?

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.

• Do I need higher deductibles?
• Is my teen driver covered when they drive my company car?
• Can my teen driver be rated on a liability-only vehicle?
• Should I buy additional glass protection?
• Do I need roadside assistance coverage?
• Does my vehicle need full coverage?
• Do I have coverage when using my vehicle for my home business?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

Additional detailed information can be found at the Oregon Insurance Division website. Oregon consumers can view a list of available companies, find out industry alerts, and find a variety of consumer forms.

Other informative sites include this resource for Oregon car insurance prices and this link where you can make Keizer car insurance comparisons.

Smart consumers save more

Consumers who switch companies do it for a variety of reasons including policy cancellation, policy non-renewal, high rates after DUI convictions and unfair underwriting practices. Regardless of your reason, finding a new car insurance company is less work than it seems.

Discount car insurance can be sourced on the web in addition to many Keizer insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

In this article, we covered quite a bit of information on how to get a better price on car insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the best price on car insurance is with an unexpected company.