No car owner loves paying for auto insurance, especially when they could find better prices if they shop around.
A recent study showed that a large majority of consumers kept their coverage with the same auto insurance company for four years or more, and almost half have never compared rates with other companies. The average driver in Portland could save about $967 each year by just comparing quotes, but they just don’t want to compare rate quotes.
Steps to saving on Pontiac G8 insurance in Portland
The preferred way to find cheaper quotes for Pontiac G8 insurance in Portland is to start comparing prices yearly from insurance carriers that sell auto insurance in Oregon. Price quotes can be compared by completing these steps.
- Read about how auto insurance works and the things you can change to prevent expensive coverage. Many risk factors that cause high rates like traffic citations, accidents, and a poor credit score can be improved by making lifestyle changes or driving safer.
- Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Allstate, while independent agents can provide prices for a wide range of companies. View companies
- Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and make a switch, verify that coverage does not lapse between policies.
One key aspect when comparing rates is to try to compare similar coverage information on each quote request and and to get rates from as many companies as you can. This guarantees the most accurate price comparison and a good representation of prices.
Numerous insurance companies battle to insure your vehicles, so it’s not easy to compare every insurance company to get the lowest rate on Pontiac G8 insurance in Portland.
Consumers should take time to take a look at other company’s rates at least once a year because rates change quite often. Even if you think you had the best rate on Pontiac G8 insurance in Portland last year there is a good chance you can find better prices now. Forget all the misinformation about auto insurance because we’re going to demonstrate the best way to get good coverage on Pontiac G8 insurance in Portland at a lower rate.
If you have insurance now or are shopping for new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. Finding affordable auto insurance coverage in Portland is actually quite easy if you know where to start. Comparison shoppers just have to understand the proper way to compare company rates from multiple carriers.
Cheap Portland auto insurance quotes with discounts
Some insurers don’t necessarily list every possible discount in a way that’s easy to find, so the list below gives a summary of some of the best known and the harder-to-find credits available to lower your premiums when you buy Portland car insurance online.
- Air Bags and Passive Restraints – Vehicles with factory air bags may qualify for discounts as much as 30%.
- No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts in comparison with bad drivers.
- Military Rewards – Being on active deployment in the military could qualify you for better rates.
- Drivers Ed for Students – Teen drivers should participate in a local driver’s education class in high school.
- Discount for Life Insurance – Larger insurance carriers have a small discount if you purchase a life insurance policy as well.
Discounts lower rates, but most discount credits are not given to the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, you aren’t that lucky. But all discounts will definitely lower the premium cost.
To see companies offering auto insurance discounts in Portland, follow this link.
Quote Portland Pontiac G8 insurance online
Most companies like GEICO, State Farm and Progressive allow consumers to get pricing direct online. Doing online quotes for Pontiac G8 insurance in Portland doesn’t take a lot of time as all you need to do is type in your coverage preferences into the form. When the form is submitted, their rating system requests information on your driving record and credit history and returns a price based on these factors. This makes it easy to compare insurance prices and it’s necessary to perform this step in order to get the lowest payment.
To compare rates using this form now, check out the insurance providers below. If you have a policy now, it’s recommended that you enter coverages and limits just like they are on your policy. Doing this guarantees you will have a rate comparison based on the exact same insurance coverage.
The following companies offer comparison quotes in Portland, OR. If your goal is to find cheap auto insurance in Oregon, we suggest you visit several of them to get a more complete price comparison.
How do Car Insurance Companies Determine Pontiac G8 Insurance Premiums?
Many things are used when pricing auto insurance. Some are pretty understandable such as traffic violations, but other factors are not as apparent such as your marital status or your vehicle rating. It’s important that you understand the factors that play a part in calculating auto insurance rates. When you know what positively or negatively determines premiums, this enables you to make decisions that could help you find lower rates.
- Your credit rating is important – Having a good credit rating will be a significant factor in determining what you pay for auto insurance. Insureds that have excellent credit tend to file fewer claims and have better driving records than those with poor credit scores. So if your credit score can be improved, you may save money insuring your Pontiac G8 by improving your credit score.
- No insurance claims equals lower rates – If you frequently file small claims, don’t be surprised to see higher rates. Auto insurance companies in Oregon provide the best rates to drivers who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for more catastrophic claims.
- Get married and get cheaper premiums – Being married can get you a discount on your auto insurance bill. It is viewed as being more mature and statistics prove married couples file fewer claims.
- More than one policy can earn a discount – Most major companies provide discounts to clients that purchase more than one policy such as combining an auto and homeowners policy. This can amount to as much as ten percent or more Even though this discount sounds good, consumers should still shop around to make sure you are getting the best deal.
- High premiums for teen drivers – Older insureds are more cautious drivers, cost insurance companies less in claims, and tend to be get fewer driving tickets. Inexperience drivers are statistically proven to be inattentive and easily distracted when driving so they pay higher auto insurance rates.
- Lower performance equals lower insurance premiums – The make and model of the car you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. The cheapest rates are for low performance passenger cars, but many other things help determine your insurance rates.
- Rates and your address – Having an address in a small town may provide you with better prices when it comes to auto insurance. Drivers in populated areas tend to have more traffic problems and longer commute times. Less people living in that area means reduced accidents in addition to lower liability claims.
- Add-on coverages that may not be needed – There are many additional extra coverages that you can buy if you aren’t diligent. Coverage for things like coverage for rental cars, better glass coverage, and Farm Bureau memberships are some examples. They may seem good when deciding what coverages you need, but if you don’t need them think about removing them and cutting costs.
When in doubt talk to an agent
Always keep in mind that when comparing insurance from an agent or online for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Your needs are unique to you and your insurance should be unique as well. For instance, these questions can help discover if you will benefit from professional help.
- Are my friends covered when driving my Pontiac G8?
- Do I need roadside assistance coverage?
- What is high-risk coverage and where do I buy it?
- What is covered by UM/UIM coverage?
- Is my Pontiac G8 covered for smoke damage?
- Why is insurance for a teen driver so high in Portland?
- Should I bundle my homeowners policy with my auto?
- Am I covered when pulling a rental trailer?
If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
Local Portland car insurance agents
Many drivers just prefer to sit down and talk to an agent and we recommend doing that Good agents are trained risk managers and will help you if you have claims. One of the best bonuses of getting online price quotes is that drivers can save money and get lower prices but also keep your business local.
After filling out this simple form, your insurance coverage information is submitted to local insurance agents who will give you bids for your auto insurance coverage. There is no reason to visit any agencies due to the fact that quote results will go straight to your inbox. If you have a need to get a comparison quote from a specific insurance company, just jump over to their website and fill out their quote form.
Finding a good insurance company requires you to look at more than just a cheap price quote. A good agent in Portland will have answers to these questions.
- Which companies do they recommend if they are an independent agency?
- Is the agent CPCU or CIC certified?
- Will the agent help in case of a claim?
- Do they review policy coverages at every renewal?
- How long has the business existed?
- Do they see any coverage gaps in your plan?
- Can glass repairs be made at your home?
- Can you use your own choice of collision repair facility?
Pick the best auto insurance agent in Portland for you
If you’re trying to find a local agent, you must know there are a couple different agency structures and how they operate. Auto insurance agents can either be exclusive or independent (non-exclusive). Either one can sell and service auto insurance coverage, but it’s worth mentioning the difference in how they write coverage since it can impact your selection of an agent.
Exclusive Auto Insurance Agencies
These agents normally can only provide a single company’s rates and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are trained well on their company’s products and that allows them to sell at a higher price point.
Below are exclusive insurance agencies in Portland who can help you get comparison quotes.
Independent Auto Insurance Agents
Independent agents often have many company appointments so as a result can place your coverage with lots of companies and find you cheaper rates. If they find a cheaper price, your agent can switch companies without you having to go to a different agency. When comparing auto insurance prices, we recommend you contact several independent agencies in order to have the best price comparison.
Shown below is a short list of independent agencies in Portland that can give you rate quotes.
Three good reasons to insure your G8
Despite the fact that car insurance is not cheap in Portland, insurance is required by state law in Oregon and it also provides benefits you may not be aware of.
First, the majority of states have mandatory insurance requirements which means you are required to buy a specific level of liability coverage if you drive a vehicle. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
Second, if you have a lien on your Pontiac G8, almost all lenders will require that you have full coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank will be required to insure your Pontiac for a lot more money and force you to pay the higher price.
Third, car insurance preserves both your car and your assets. It will also provide coverage for medical bills for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay to defend you if anyone sues you for causing an accident. If your car is damaged in a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of having car insurance definitely exceed the cost, especially when you need to use it. According to a 2015 survey, the average American driver overpays as much as $865 each year so it’s recommended you shop around at least once a year to be sure current rates are still competitive.
Ratings for Oregon auto insurance companies
Buying coverage from a good quality car insurance company is difficult considering how many different companies there are to choose from in Portland. The company rank data listed below could help you decide which companies you want to consider purchasing a policy from.
Top 10 Portland Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Titan Insurance – A+
Keep this in mind when shopping around
Some insurance providers may not provide online price quotes and usually these regional insurance providers prefer to sell through independent insurance agencies. More affordable insurance in Portland can be bought both online in addition to many Portland insurance agents, and you should compare rates from both so you have a total pricing picture.
As you prepare to switch companies, you should never buy poor coverage just to save money. In too many instances, someone dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.
How to quote cheaper Pontiac G8 insurance in Portland
If your goal is the lowest price, then the best way to get low-cost Pontiac G8 insurance is to compare quotes annually from insurers in Portland.
First, learn about how insurance companies determine prices and the changes you can make to drop your rates. Many factors that drive up the price like speeding tickets, accidents and poor credit rating can be amended by making minor changes in your lifestyle.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and State Farm, while independent agents can give you price quotes from multiple companies.
Third, compare the new rate quotes to your existing coverage to determine if you can save on G8 insurance in Portland. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
The most important part of this process is to make sure you’re comparing similar deductibles and liability limits on every quote and and to get quotes from every insurance company. Doing this helps ensure an apples-to-apples comparison and plenty of rates choose from.
To read more, feel free to browse these articles:
- Winter Driving (Insurance Information Institute)
- Who Has Cheap Portland Auto Insurance Quotes for Drivers Over Age 60? (FAQ)
- How Much is Portland Car Insurance for Young Drivers? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Car Insurance FAQ (Trusted Choice)
- Your Car has been Stolen: Now What? (Allstate)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)