Beaver State drivers enjoy 122,395 miles of roads to drive on, yet car insurance rates don’t reflect that number as affordably as they should. But there are ways to lower premium costs while still receiving adequate protection in case of an accident or theft – Oregon car insurance calculator provides real average rates based on factors like age, driving history and credit score; you can even input vehicle specific details and coverage levels for personalized estimate of rates.
Age can have a tremendous effect on car insurance premiums, with younger drivers paying significantly higher premiums due to lack of experience behind the wheel and an increased chance of accidents than older drivers. But as drivers age their rates can begin to decrease due to improved driving practices.
Maintaining a spotless driving record is key to securing lower car insurance rates in Oregon. Even one at-fault accident could increase your rate by as much as $763 annually as insurers see it as an indicator that they could cause another accident later.
Insurers use vast amounts of data to predict who might file an auto insurance claim and use this to calculate risk and set rates accordingly. People with poor credit histories tend to file more claims, and so typically pay higher premiums compared to those with exceptional credit histories.
Make and model of your vehicle can have a major effect on your car insurance premium, with some models more costly to repair than others. Therefore, it is crucial that you research different options available to you until finding an affordable yet safe model to drive.
Although not every insurer provides the lowest rates for every model, most offer competitive prices for most. State Farm, for instance, is well known for providing some of the most cost-effective coverage and high customer service ratings; GEICO stands out as another notable low-rate provider while USAA serves military members and their dependents alike.
Oregon’s top car insurance companies boast low rates, excellent customer service and a range of coverage options. To select these five, we utilized an in-depth selection process which involved analyzing rate data from Quadrant Information Services, reviewing third-party customer satisfaction rankings from J.D. Power, AM Best ratings and Standard & Poor’s strength ratings – then combined them to form Bankrate Scores; the higher their rating is; you can easily compare top providers and their rates below by entering your zip code below.