Smart shoppers know that car insurance companies don’t want policyholders to shop around. Drivers who shop around once a year will presumably switch to a new company because there are good odds of finding discount prices. A recent survey discovered that people who compared rate quotes regularly saved an average of $70 a month compared to drivers who never shopped for cheaper rates.
If finding the cheapest price for Volvo S90 insurance is your goal, then having some knowledge of how to find and compare cheaper coverage can save time and money.
The best way to find the cheapest price for Volvo S90 insurance in Portland is to make a habit of comparing prices annually from insurance carriers who sell insurance in Oregon.
First, learn about car insurance and the things you can change to lower rates. Many things that result in higher prices like traffic violations and a poor credit score can be improved by being financially responsible and driving safely.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive and State Farm, while agents who are independent can quote rates from multiple sources.
Third, compare the new rates to your existing coverage and see if you can save money. If you find better rates, make sure there is no lapse in coverage.
Fourth, provide written notification to your current company of your intention to cancel your current car insurance policy. Submit a completed application and payment for the new policy. As soon as you have the new policy, put the new certificate verifying proof of insurance in your glove compartment.
A good tip to remember is to compare the same liability limits and deductibles on each price quote and and to get price estimates from as many carriers as you can. Doing this enables an apples-to-apples comparison and a complete selection of prices.
How to lower your Volvo S90 insurance cost in Portland, Oregon
When price shopping your coverage, comparing more rates from different companies increases the chance that you will find more affordable rates. Some regional insurers cannot provide rate quotes online, so you should also compare prices from them as well.
The companies shown below provide price quotes in Oregon. If you want cheap auto insurance in Portland, OR, we recommend you compare several of them to find the lowest auto insurance rates.
Local neighborhood agents and insurance
A small number of people would rather sit down and talk to an agent and we recommend doing that One of the great benefits of price shopping on the web is the fact that drivers can get the best rates but also keep your business local. And providing support for local insurance agents is important particularly in Portland.
To find an agent, once you fill out this quick form, your coverage information is emailed to agents in your area that can provide free Portland car insurance quotes to get your business. You don’t have to even leave your home since rate quotes are delivered to your email. You can most likely find cheaper rates without a big time investment. If you wish to compare prices from a specific company, you can always find their quoting web page and submit a quote form there.
Exclusive and independent Portland auto insurance agents
If you prefer to buy insurance from a local Portland insurance agency, you should know the types of agencies and how they are distinctly different. Agents in Portland are categorized either independent agents or exclusive agents depending on their employer.
Independent Agents (or Brokers)
Independent insurance agents are appointed with more than one company so as a result can place your coverage through lots of different companies enabling the ability to shop coverage around. If your premiums go up, your policy is moved internally which is easy for the insured.
When comparing rate quotes, we highly recommend that you include rate quotes from at least one independent agent for the best price selection. Many write coverage with additional companies that you may not be familiar with that many times have cheaper rates.
The following are Portland independent insurance agents that may be able to give free insurance rate quotes.
- Wix Insurance Agency
8037 SE Stark St – Portland, OR 97215 – (503) 760-6826 – View Map - Matthew K Barnett Agency
3332 N Lombard St – Portland, OR 97217 – (503) 285-2546 – View Map - Fournier Group
510 SW 5th Ave #701 – Portland, OR 97204 – (503) 251-2255 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive are contracted to one company and examples are Farmers Insurance and State Farm. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents receive extensive training on what they offer and that enables them to sell even at higher rates. Drivers often choose to use an exclusive agent mostly because of the brand rather than low rates.
Listed below are Portland exclusive agencies who can help you get comparison quotes.
- Larry Rodman – State Farm Insurance Agent
7850 SW Barbur Blvd – Portland, OR 97219 – (503) 246-7753 – View Map - Allstate Insurance: Damian Gobel
1511 SE 122nd Ave – Portland, OR 97233 – (503) 255-3490 – View Map - State Farm: Jared Dean
101 SW Main St #915 – Portland, OR 97204 – (503) 222-6601 – View Map
Finding a good auto insurance agent should include more criteria than just a cheap price quote. Any good agent in Portland should know the answers to these questions.
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is there a 24/7 contact number?
- Is the agent and/or agency licensed to do business in Oregon?
- Who is covered by the car insurance policy?
- In the event of vehicle damage, can you pick the collision repair facility?