It’s amazing but the vast majority of consumers renewed their policy with the same company for more than four years, and 38% of customers have never compared rates from other carriers. Portland insurance shoppers could save an average of as much as $967 each year, but they just don’t understand how much they could save if they switch to a new company.
The recommended way to get more affordable Jaguar S-Type insurance is to regularly compare prices from insurers in Portland.
- First, take a little time to learn about how auto insurance works and the things you can change to prevent expensive coverage. Many things that are responsible for high rates like getting speeding tickets and an imperfect credit score can be improved by making minor changes to your lifestyle. Later in this article we will cover additional ideas to help keep rates affordable and get discounts that may be overlooked.
- Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple sources.
- Third, compare the quotes to your current policy premium and see if you can save money. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, tell your current agent or company of your intention to cancel your existing policy. Submit a down payment and signed policy application to your new carrier. Immediately upon receiving it, put the new certificate of insurance with the vehicle registration.
One thing to point out is that you’ll want to make sure you compare the same liability limits and deductibles on each quote request and and to get rate quotes from as many carriers as you can. Doing this enables an accurate price comparison and the best price selection.
Affordable companies for Jaguar S-Type insurance
The companies shown below provide free quotes in Portland, OR. If you wish to find cheap car insurance in Portland, we suggest you click on several of them to get the best price comparison.
Don’t overlook these Jaguar S-Type insurance discounts
Properly insuring your vehicles can get expensive, but companies offer discounts that can help lower your rates. Certain reductions will be credited at the time you complete a quote, but some need to be inquired about before being credited.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it will make them better drivers and lower rates.
- Resident Student – Any of your kids who are enrolled in higher education away from home and do not have access to a covered vehicle may be able to be covered for less.
- Responsible Driver Discounts – Drivers without accidents can save up to 40% or more on their Portland auto insurance quote than drivers with accident claims.
- Low Mileage Discounts – Low annual miles may allow you to get cheaper prices.
- Accident Forgiveness Coverage – This one is not really a discount per se, but some insurance companies permit an accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
- Save over 55 – If you’re over the age of 55, you could receive lower premium rates.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
- Smart Student Discounts – Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
- Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
Discounts save money, but please remember that most of the big mark downs will not be given to the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.
Companies that may offer these discounts include:
Before purchasing a policy, check with each company or agent which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in Portland. To locate insurance companies who offer online Jaguar S-Type insurance quotes in Oregon, follow this link.
How to Lower Your Insurance Costs
Part of the insurance buying process is learning the factors that aid in calculating the rates you pay for insurance. When consumers understand what controls the rates you pay, this helps enable you to make changes that could help you find lower premium levels.
The items below are a few of the things utilized by car insurance companies to help set your premiums.
Physical damage deductibles are a factor – Protection for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your Jaguar. Some coverage claims could be a broken side mirror, vandalism, and damage caused by flying debris. The deductibles you choose state the amount of money you are willing to pay if the claim is covered. The more damage repair cost you pay before a claim is paid (deductible), the better rate you will receive.
Employer and insurance premiums – Occupations like fire fighters, business owners, and financial analysts tend to pay higher average rates in part from intense work situations and long work days. Conversely, occupations such as actors, students and the unemployed have the lowest average rates.
Where you live plays a part – Having an address in less populated areas of the country has definite advantages when buying insurance. Lower population means reduced accidents and lower theft and vandalism rates. Urban drivers regularly have more auto accidents and longer commute times. The longer drive time can result in more accidents.
Getting married is a bonus – Having a significant other can actually save you money on insurance. It generally demonstrates drivers are more responsible and it’s statistically proven that being married results in fewer claims.
Drivers with excellent credit save on insurance – Your credit score factor in determining what you pay. Consumers who have very high credit ratings tend to be better risks to insure than drivers who have lower credit ratings. So if your credit can use some improvement, you could pay less to insure your Jaguar S-Type by improving your rating.
Which is the best insurance?
When it comes to buying your policy for your personal vehicles, there really isn’t a cookie cutter policy. Everyone’s situation is unique.
Here are some questions about coverages that might help in determining whether or not you might need professional guidance.
- How long can I keep a teen driver on my policy?
- Am I covered when driving someone else’s vehicle?
- What is high-risk coverage and where do I buy it?
- Do they offer discounts for home and auto coverage?
- What is an SR-22 filing?
- What policy terms are available?
- When should my teen driver be added to my policy?
- Does coverage extend to my business vehicle?
- Can I insure my car for more than it’s worth?
- Do I need an umbrella policy?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.
Auto insurance agents can find coverage gaps
Some people still like to buy from a licensed agent and doing that can be a smart decision One of the benefits of comparing rates online is that you can find lower rates but still work with a licensed agent. Supporting local agents is important particularly in Portland.
To find an agent, once you fill out this quick form, the quote information is submitted to local insurance agents who can give free rate quotes to get your business. It makes it easy because there is no need to contact an agency due to the fact that quote results will go to you. It’s the lowest rates and work with a local agent. If for some reason you want to get a comparison quote from a particular provider, you can always go to their quote page and give them your coverage information.
When researching a good insurance agency, there are two types of insurance agents and how they differ in how they can insure your vehicles. Insurance agents can be described as either independent agents or exclusive agents.
Independent Agents (or Brokers)
Independent insurance agents are not employed by any specific company so as a result can place your coverage with any number of different companies and find the cheapest rate. If they quote lower rates, your policy is moved internally and you don’t have to do anything. When comparing insurance prices, you need to compare quotes from several independent agencies to have the most options to choose from.
Featured below is a list of independent agents in Portland that may be able to give you free insurance rate quotes.
Metro One Insurance Agency
3423 S Telegraph Rd, Dearborn, MI 48124 – Dearborn, OR 48124 – (313) 456-9455 – View Map
Peninsula Insurance
12700 NW Cornell Rd – Portland, OR 97229 – (503) 644-5333 – View Map
Ross and Associates Insurance Services, Inc.
9201 SE 91st Ave – Portland, OR 97086 – (503) 698-3833 – View Map
Exclusive Agencies
Exclusive agents can only provide pricing for a single company and examples are Farmers Insurance, State Farm, or Allstate. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agencies are usually well trained in insurance sales and that enables them to sell even at higher rates.
Shown below are exclusive insurance agents in Portland that can give you price quotes.
Gustavo Soares – State Farm Insurance Agent
650 NE Holladay St Ste 1600 – Portland, OR 97232 – (503) 287-0027 – View Map
Allstate Insurance: Peggy Romero
7825 SE Foster Rd – Portland, OR 97206 – (503) 255-7828 – View Map
Chad Humphrey – State Farm Insurance Agent
15160 NW Laidlaw Rd #210 – Portland, OR 97229 – (503) 992-6251 – View Map
Selecting an insurance agent is decision based upon more than just a cheap quote. Here are some questions to ask:
- Are there any discounts for paying up front?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is the quote a firm price?
- Does the agency have a current Errors and Omissions policy?
- Are all drivers listed on the coverage quote?
Affordable rates are available
We covered many ways to lower your Jaguar S-Type insurance car insurance rates in Portland. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the best car insurance rates are with a lesser-known regional company.
Discount Jaguar S-Type insurance in Portland can be sourced from both online companies as well as from independent agents in Portland, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not have online quoting and most of the time these small insurance companies sell through local independent agencies.
When getting Portland auto insurance quotes online, you should never buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best cost, but do not skimp to save money.
Helpful information
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- How Much are Car Insurance Quotes for Seniors in Portland? (FAQ)
- Who Has Cheap Car Insurance Rates for a Ford Fusion in Portland? (FAQ)
- Who Has Cheap Auto Insurance for a Ford Escape in Portland? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers with Accidents in Portland? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Honda CR-V in Portland? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Airbag FAQ (iihs.org)
- Get the Right Protection (InsureUonline.org)