New Tricks for Paying Less for on Medford, OR Car Insurance

Are you a victim of an underperforming, overpriced car insurance policy? Trust us, there are many people just like you. Drivers have multiple car insurance companies to buy insurance from, and although it’s a good thing to have a selection, so many choices can make it hard to find the best rates for your vehicles.

It’s important to shop coverage around yearly since insurance rates change regularly. If you had the lowest rates on your last policy other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to find out the proper way to eliminate unnecessary coverages and save money.

How to Get Medford Car Insurance Comparison Quotes

Getting a cheaper price on insurance isn’t really that difficult. All you need to do is spend a little time comparing rate quotes online with multiple companies. This can be done in a couple of different ways.

  1. The single most time-saving way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for boring form submissions for each company. A single form gets you coverage quotes instantly.
  2. Another way to compare rate quotes is going to each company website and fill out their own quote form. For sake of this example, we’ll pretend you want comparison quotes from State Farm, Allstate and Farmers. To find out each rate you need to go to every website to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in Medford, click here.
  3. The least recommended method of comparing rate quotes is to drive around to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional advice that only a license agent can provide. However, consumers can comparison shop your insurance online but still have the advice of a local agent.

Whichever way you use, ensure you’re using the exact same coverage limits for each price quote. If the quotes have different liability limits it’s not possible to make a fair comparison in Medford.

Discounts are available to cut your rates

Insurance can be prohibitively expensive, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be asked for before being credited. If you don’t get every credit you qualify for, you are throwing money away.

  • Driver’s Ed – Require your teen driver to take driver’s ed class in high school.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims for a set time period.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Safety Course Discount – Successfully completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more than their less cautious counterparts.
  • Student in College – Kids in college who are attending college and don’t have a car may qualify for this discount.
  • Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiring. This can save 10% or more.

Consumers should know that most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will help reduce your overall premium however.

Additional information can be found on the website for the Oregon Insurance Division through this link. Oregon consumers can view a list of available companies, file complaints about an insurance agent or broker, and read enforcement actions against agents and companies.