Save Money on Subaru Crosstrek Insurance in Portland

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Anyone knows that car insurance companies don't want policyholders to shop around. Drivers who compare other prices are inclined to move their business because of the high probability of getting low-cost coverage. Surprisingly, a recent survey revealed that drivers who shopped around annually saved an average of $70 a month compared to those who never compared prices.

If saving the most money on Subaru Crosstrek insurance is your ultimate objective, then having some knowledge of the best way to compare cheaper coverage can help make the process easier and more efficient.

Insurance for Subaru CrosstrekThe best way to get cheaper Subaru Crosstrek insurance is to start comparing prices yearly from different companies in Portland. Rates can be compared by following these steps.

Step 1: Take a little time to learn about the different coverages in a policy and the factors you can control to prevent expensive coverage. Many policy risk factors that cause rate increases like inattentive driving and an unfavorable credit rating can be rectified by making minor changes to your lifestyle. This article gives additional tips to help find cheaper rates and get additional discounts that may have been overlooked.

Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO and Allstate, while independent agents can provide price quotes from multiple sources.

Step 3: Compare the new rate quotes to your current policy to see if a cheaper price is available in Portland. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Give notification to your current company to cancel your current car insurance policy and submit the completed application along with a down payment for your new policy. Once coverage is bound, place the new certificate verifying coverage with the vehicle registration.

The critical component of shopping around is to try to compare identical coverages on every quote request and and to look at all possible companies. Doing this guarantees a fair price comparison and a complete selection of prices.

The companies shown below are ready to provide price quotes in Portland, OR. If you wish to find cheap car insurance in Portland, we suggest you click on several of them to find the most affordable car insurance rates.

Do you qualify for discounts on Subaru Crosstrek insurance in Portland?

Some providers don't always list every discount they offer very well, so the following is a list of some of the best known and the harder-to-find discounts that may be available.Cheaper auto insurance with discounts

  • Student Driver Training - Teen drivers should complete a driver education course if offered at their school.
  • College Student Discount - Any of your kids who attend college more than 100 miles from Portland and do not have access to a covered vehicle can receive lower rates.
  • E-sign Discounts - Some auto insurance companies will give you a small discount shop Portland car insurance on the internet.
  • Save with a New Car - Insuring a vehicle that is new can cost up to 25% less because newer models are generally safer.
  • Theft Deterrent Discount - Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Military Deployment Discount - Having a family member in the military could trigger a small discount.

Consumers should know that most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, that's just not realistic.

Auto insurance companies that may offer policyholders some of the above discounts include:

Before you buy a policy, ask every company to apply every possible discount. Depending on the company, some discounts may not apply in every state. To see a list of auto insurance companies who offer online Subaru Crosstrek insurance quotes in Oregon, click here to view.

Smart Buyers Know How to Get Car Insurance at a Discount

It's important that you understand some of the factors that come into play when calculating your premiums. If you have a feel for what determines base rates, this empowers consumers to make smart changes that may result in lower rates. Lots of factors are used when quoting car insurance. Some are pretty understandable such as your driving record, but other factors are more transparent such as whether you are married or how safe your car is.

  • Vehicle risk impacts costs - The performance of the vehicle you need to insure makes a substantial difference in your car insurance bill. The lowest base rates will normally be found when insuring small economy passenger models, but many other things help determine your insurance rates.
  • Car insurance rates and age - Teenage drivers in Oregon have a tendency to be easily distracted with other occupants in the car so they pay higher car insurance rates. More mature drivers have been proven to be more responsible, statistically cause fewer accidents, and receive fewer citations.
  • Get a ticket, pay higher costs - How you drive influences premium rates substantially. Having a single ticket may increase your cost by as much as twenty percent. Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Drivers who have license-revoking violations like reckless driving, hit and run or driving under the influence are required to prove financial responsibility with their state DMV in order to legally drive.
  • Drive a safer car and pay less - Vehicles with good safety scores get lower rates. These vehicles reduce the chance of injuries and lower injury rates means less money paid by your insurance company and lower rates for you.

Comparing prices from local Portland insurance agents

Some people just want to sit down and talk to an agent and doing so can bring peace of mind Insurance agents can help determine the best coverages and give you someone to call. An additional benefit of comparing insurance prices online is you can get better rates and still have a local agent. Buying insurance from local insurance agencies is important particularly in Portland.

Portland insurance agentsOnce you complete this form (opens in new window), your insurance coverage information is immediately sent to companies in Portland that provide free Portland car insurance quotes for your insurance coverage. It's much easier because you don't need to search for any insurance agencies because quoted prices will be sent to you. If you have a need to get a comparison quote from a specific company, you just need to search and find their rate quote page and complete a quote there.

Different types of Portland car insurance agents

If you need to find a local Portland insurance agent, you need to know there are two different types of agencies and how they can quote your rates. Insurance agents are either independent agents or exclusive agents. Either can properly insure your vehicles, but it's a good idea to understand the difference in the companies they write for because it can influence the type of agent you choose.

Independent Insurance Agents

Independent agencies are not required to write business for one company and that gives them the ability to insure with a variety of different insurance companies enabling the ability to shop coverage around. If premiums increase, the agent simply finds a different carrier which requires no work on your part. If you are comparing rate quotes, you definitely need to get insurance quotes from at least one independent agent so that you have a good selection of quotes to compare.

Below is a partial list of independent agencies in Portland that can give you free insurance rate quotes.


1314 NW Irving St - Portland, OR 97209 - (503) 287-8808 - View Map


10402 NE Sandy Blvd - Portland, OR 97220 - (503) 256-2020 - View Map


510 SW 5th Ave #701 - Portland, OR 97204 - (503) 251-2255 - View Map

More insurance agents

Exclusive Insurance Agencies

Agents that elect to be exclusive are contracted to one company and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to provide other company's prices so keep that in mind. Exclusive agencies are well trained on their company's products and that enables them to sell even at higher rates.

Shown below is a short list of exclusive insurance agents in Portland willing to provide price quotes.


5915 SE 43rd Ave - Portland, OR 97206 - (503) 775-8202 - View Map


1018 NW 13th Ave - Portland, OR 97209 - (503) 222-7771 - View Map


5048 SE Hawthorne Blvd a - Portland, OR 97215 - (503) 232-2444 - View Map

More insurance agents

Choosing an insurance agent requires you to look at more than just a cheap quote. Below are some questions you should ask.

  • Is the agent properly licensed in Oregon?
  • Is the quote a firm price?
  • Will the agent help in case of a claim?
  • Do the coverages you're quoting properly cover your vehicle?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Is the agency involved in supporting local community causes?
  • Do they write coverage based solely on cost?

Upon getting positive responses and a low price estimate, you've probably found an insurance agent that is professional and can properly service your insurance policy.

In the end, you can save money

Cheaper Subaru Crosstrek insurance in Portland is definitely available from both online companies and from local agencies, so you should compare both to have the best selection. Some insurance companies may not have online quoting and many times these smaller providers only sell coverage through local independent agents.

In this article, we presented many ways to lower your Subaru Crosstrek insurance car insurance rates in Portland. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. You may even find the lowest priced insurance comes from some of the smallest insurance companies. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

More detailed insurance information can be read in these articles: