Trying to come up with a payment for overpriced auto insurance can sap your bank account and make it tough to pay other bills. Doing a price comparison is an excellent way to tighten up your finances.
It’s a fact that insurance companies don’t want you to look at other companies. Consumers who rate shop once a year will most likely buy a different policy because there is a good probability of finding a policy with more affordable rates. A recent study showed that drivers who regularly compared price quotes saved as much as $850 each year compared to people who never shopped around.
If finding the lowest price for Mercury Marauder insurance in Portland is your ultimate objective, then having an understanding of how to shop and compare insurance coverage can help you be more efficient. Insurance companies such as Progressive, State Farm and GEICO continually bombard you with advertising and it can be hard to separate fact from fiction and do the work needed to find the best deal.
If you already have coverage or just want cheaper rates, use these tips to reduce the price you pay without reducing protection. Locating the best insurance company for you in Portland is not rocket science. Consumers just have to learn the least time-consuming way to compare company rates online from multiple companies.
Do you qualify for discounts?
Some insurance providers don’t always advertise every discount available in a way that’s easy to find, so here is a list both well-publicized as well as some of the hidden credits that you can use to lower your rates.
- Theft Deterrent System – Cars and trucks that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- No Charge for an Accident – This isn’t a discount exactly, but certain companies will let one accident slide without the usual rate increase if you are claim-free before the accident.
- Anti-lock Brake System – Vehicles that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
- Passive Restraint Discount – Cars that have air bags may earn rate discounts of 20 to 30 percent.
- Payment Method – If paying your policy premium upfront as opposed to paying monthly you can avoid monthly service charges.
You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, it’s just not the way it works.
Car insurance companies that may offer many of the previously listed discounts include:
Before purchasing a policy, check with every insurance company which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in Portland. To view providers that offer the discounts shown above in Portland, click here to view.
The method we recommend to get policy rate comparisons for Mercury Marauder insurance in Portland is to know the trick almost all companies participate in a system to provide you with a free rate quote. To get started, all you need to do is spend a couple of minutes providing details like if you have a valid license, marital status, how you use your vehicles, and your occupation. Your details gets transmitted to many of the top insurers and you get price estimates instantly.
To compare rates for your Mercury Marauder now, click here and see if a lower rate is available in Portland.
The following companies are ready to provide quotes in Oregon. If you wish to find cheap auto insurance in Oregon, we recommend you compare several of them in order to get a fair rate comparison.
Insurance is available from agents near you
A small number of people would rather sit down with an agent and that is OK! Agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing insurance online is the fact that you can find better rates and also buy local. Buying from and supporting small agencies is important especially in Portland.
Once you complete this simple form, your information is submitted to companies in Portland that can provide free Portland car insurance quotes and help you find cheaper coverage. You never need to contact any insurance agencies as quotes are delivered to the email address you provide. If you need to get a rate quote from one company in particular, just jump over to their website and submit a quote form there.
Finding a good company should depend on more than just the bottom line cost. Here are some questions you might want to ask.
- How often do they review coverages?
- Does the quote include credit and driving reports?
- Do they make recommendations based only on price?
- How will an accident affect your rates?
- Does the agent have professional designations like CIC, CPCU or AIC?
Upon receiving answers to your satisfaction and an acceptable price quote, it’s a good possibility that you have found a company that can properly service your insurance policy.
One last thing to lower rates
As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible at the best possible price, but do not skimp to save money.
In this article, we covered a lot of tips how to reduce Mercury Marauder insurance prices online in Portland. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from a lesser-known regional company. They may often insure only within specific states and give better rates compared to the large companies like Allstate and Progressive.
How to find lower priced Mercury Marauder insurance in Portland
To save the most money, the best way to find affordable quotes for auto insurance rates in Portland is to do an annual price comparison from companies who provide car insurance in Oregon. Prices can be compared by following these guidelines.
- Take a little time to learn about how companies price auto insurance and the modifications you can make to drop your rates. Many rating factors that result in higher prices such as traffic citations, accidents, and a less-than-favorable credit history can be amended by paying attention to minor details.
- Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices from multiple sources.
- Compare the new rate quotes to your existing rates to see if cheaper Marauder coverage is available. If you can save some money and change companies, ensure there is no coverage lapse between policies.
One bit of advice is to make sure you’re comparing identical coverage information on each quote and and to get prices from as many companies as possible. This provides the most accurate price comparison and many rates to choose from.
More resources
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for a 20 Year Old Male in Portland? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Jeep Wrangler in Portland? (FAQ)
- How Much are Auto Insurance Rates for a Subaru Outback in Portland? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Ford Explorer in Portland? (FAQ)
- How Much are Car Insurance Rates for Retired Military in Portland? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Cellphones, Texting and Driving (iihs.org)
- Driving in Bad Weather (Insurance Information Institute)
- Older Driver Statistics (Insurance Information Institute)