Everyone knows that insurance companies don’t want you to look at other companies. Consumers who get price comparisons will, in all likelihood, buy a new policy because there are good odds of finding good coverage at a lower price. A recent study showed that consumers who made a habit of comparing rates saved about $850 each year compared to policyholders who never shopped for cheaper rates.
If finding the lowest price for car insurance is the reason you’re here, knowing how to get price quotes and compare auto insurance can help simplify the task of finding more affordable coverage.
To save the most money, the best way to get discount Chrysler Town and Country insurance is to do a yearly price comparison from companies who sell auto insurance in Portland. Rate comparisons can be done by following these steps.
- Try to learn a little about what coverages are included in your policy and the factors you can control to keep rates in check. Many things that are responsible for high rates like traffic citations, accidents, and a negative credit history can be remedied by making lifestyle changes or driving safer. Continue reading for ideas to help reduce prices and find discounts that you may qualify for.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Allstate, while independent agents can give you price quotes from many different companies.
- Compare the new rates to your existing rates to see if a cheaper rate is available in Portland. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
- Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application to the new company. As soon as you have the new policy, put the new certificate verifying coverage in an accessible location in your vehicle.
One tip to remember is to make sure you enter similar limits and deductibles on every price quote and and to get prices from as many auto insurance providers as possible. Doing this provides a fair price comparison and the best rate selection.
Most companies give insurance quotes from their websites. This process is pretty painless as you just enter your required coverages into the form. After the form is submitted, their quoting system collects your driving and credit reports and returns pricing information based on the data you entered.
This simplifies rate comparisons, and it’s also necessary to compare as many rates as possible if you are searching for cheap rates.
To quickly compare pricing, consider comparing rates from the companies shown below. If you have coverage now, it’s recommended you duplicate deductibles and limits exactly as shown on your declarations page. This makes sure you’re receiving a fair comparison for similar coverage.
The companies in the list below offer free quotes in Portland, OR. To buy cheap auto insurance in Oregon, we suggest you click on several of them to get a more complete price comparison.
Determine discounts to get cheap Portland insurance rates
Some companies do not advertise all discounts very clearly, so we break down both the well known and also the lesser-known ways to save on insurance.
- First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will let one accident slide before your rates go up if you have no claims prior to being involved in the accident.
- Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
- Discounts for Multiple Vehicles – Having multiple cars with the same company can get a discount on all vehicles.
- Student Driver Training – Cut your cost by having your teen driver successfully take a driver’s education course as it can save substantially.
- No Claim Discounts – Drivers who don’t have accidents pay much less as compared to insureds who have frequent claims or accidents.
- Clubs and Organizations – Affiliation with certain professional organizations could trigger savings on your policy.
- 55 and Retired – If you’re over the age of 55, you may be able to get a slight reduction on a Portland auto insurance quote.
- Save with a New Car – Putting insurance coverage on a new Town and Country can save you some money due to better safety requirements for newer vehicles.
- Bundle and Save – If you have multiple policies with the same company you could get a discount of nearly 15% which can help you find cheap Town and Country insurance.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. Just because you may think having all the discounts means you get insurance for free, that’s just not realistic.
The chart below shows the comparison of Chrysler Town and Country premium costs with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or violations, Oregon state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, multi-policy, safe-driver, and homeowner discounts applied.
A few popular companies and some of the premium reductions they offer are shown below.
- Farm Bureau may include discounts for good student, 55 and retired, renewal discount, driver training, safe driver, and multi-policy.
- Liberty Mutual discounts include exclusive group savings, multi-car, multi-policy, preferred payment discount, safety features, newly retired, and hybrid vehicle.
- State Farm offers discounts for accident-free, safe vehicle, student away at school, defensive driving training, passive restraint, and multiple policy.
- Auto-Owners Insurance offers premium reductions for anti-theft, mature driver, air bags, safe driver, and teen driver.
- GEICO has savings for five-year accident-free, federal employee, daytime running lights, anti-theft, and multi-policy.
- SAFECO policyholders can earn discounts including bundle discounts, homeowner, drive less, teen safety rewards, anti-theft, teen safe driver, and safe driver.
When getting a coverage quote, ask every company to apply every possible discount. Some discounts listed above might not apply in Portland. To locate insurers offering insurance discounts in Oregon, click here.
Rates and information analytics
The price information shown next highlights different insurance premium costs for Chrysler Town and Country models. Having a better idea how insurance policy rates are formulated is important for drivers to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $194 | $270 | $278 | $16 | $82 | $840 | $70 |
| Town and Country Touring | $220 | $328 | $278 | $16 | $82 | $924 | $77 |
| Town and Country Signature | $220 | $328 | $278 | $16 | $82 | $924 | $77 |
| Town and Country Touring Plus | $220 | $328 | $278 | $16 | $82 | $924 | $77 |
| Town and Country Limited | $244 | $388 | $278 | $16 | $82 | $1,008 | $84 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can impact insurance rates greatly.
Physical damage deductibles
A question often asked by Portland drivers is how high should the physical damage coverage deductibles be. The figures shown below may help you to understand how much more rates are when you buy lower versus higher policy deductibles. The first price estimate table uses a $100 physical damage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $274 | $408 | $272 | $16 | $82 | $1,077 | $90 |
| Town and Country Touring | $310 | $496 | $272 | $16 | $82 | $1,201 | $100 |
| Town and Country Signature | $310 | $496 | $272 | $16 | $82 | $1,201 | $100 |
| Town and Country Touring Plus | $310 | $496 | $272 | $16 | $82 | $1,201 | $100 |
| Town and Country Limited | $346 | $586 | $272 | $16 | $82 | $1,327 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $152 | $216 | $272 | $16 | $82 | $738 | $62 |
| Town and Country Touring | $172 | $262 | $272 | $16 | $82 | $804 | $67 |
| Town and Country Signature | $172 | $262 | $272 | $16 | $82 | $804 | $67 |
| Town and Country Touring Plus | $172 | $262 | $272 | $16 | $82 | $804 | $67 |
| Town and Country Limited | $192 | $308 | $272 | $16 | $82 | $870 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in Portland location which can increase or decrease price quotes substantially.
Using the premium rates above, we can conclude that using a $100 deductible costs about $33 more each month or $396 a year than quoting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 27 months between claims, you would most likely save money by going with a higher deductible.
Chrysler Town and Country Insurance Premiums Can Be More Affordable
Many things are part of the equation when premium rates are determined. Most are fairly basic such as your driving history, but other criteria are more transparent such as your marital status and annual miles driven. Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for insurance. When consumers understand what determines premiums, this enables you to make decisions that may reward you with cheaper rates.
- Long commutes cost more – The more you drive your Chrysler in a year the higher your rates will be. Most insurance companies calculate rates based upon how you use the vehicle. Cars and trucks left parked in the garage can get a lower rate compared to those used for work or business. Double check that your insurance coverage correctly shows the correct usage for each vehicle. An improperly rated Town and Country may be costing you.
- Never let your coverage expire – Driving without insurance coverage in place is not a good idea and you may have a hard time finding new coverage because you let your insurance lapse. In addition to paying higher premiums, failure to provide proof of insurance might get you fines and jail time.
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Poor driving habits means higher premiums – Your driving citation history has a huge affect on how much you pay. Having a single chargeable violation can increase rates to the point where it’s not affordable. Attentive drivers tend to pay less for car insurance as compared to careless drivers. Drivers who have received serious citations like DUI, reckless driving or excessive speeding might be required by their state to file a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
The illustration below highlights how traffic violations and at-fault fender-benders can influence Chrysler Town and Country auto insurance rates for different age groups. The information is based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
- Your vocation may affect premiums – Did you know that where you work can have an impact on rates? Careers such as fire fighters, architects, and medical professionals generally have higher premium rates due to job stress and lots of time spent at work. On the other hand, occupations such as professors, athletes and homemakers receive lower rates.
Local Portland insurance agents
Some people would prefer to sit down and talk to an agent. Experienced insurance agents can answer important questions and help you file claims. One of the benefits of getting online price quotes is you can get better rates and still buy from a local agent.
By using this quick form, the coverage information is emailed to companies in Portland that provide free Portland auto insurance quotes for your coverage. You won’t need to search for an agent because prices are sent to you instantly. If for some reason you want to compare rates from a specific car insurance provider, you just need to visit that company’s website and fill out the quote form the provide.
Finding the right insurer shouldn’t rely on just a cheap quote. Below are some questions you should ask.
- Which company do they place the most coverage with?
- Do they offer claims assistance after hours?
- What insurance companies do they work with in Portland?
- How long have they been in business?
- Will you get a loaner vehicle if you car is being repaired?
- Are they properly licensed to sell insurance in Oregon?
- Are there any discounts for paying up front?
Two different types of car insurance agents
When narrowing the list to find a good Portland insurance agent, it can be helpful to understand the different types of agents that you can choose from. Car insurance agencies are considered either exclusive or independent. Both properly insure your vehicles, but it’s worth learning the differences since it can affect which agent you choose.
Exclusive Car Insurance Agencies
Agents that choose to be exclusive write business for a single company and examples are American Family, State Farm, and Allstate. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. These agents are usually well trained on their company’s products which helps offset the inability to provide other markets. Some consumers prefer to buy from exclusive agents mostly because of the prominent brand name and solid financial strength.
Shown below are Portland exclusive insurance agencies willing to provide price quotes.
- Larry Rodman – State Farm Insurance Agent
7850 SW Barbur Blvd – Portland, OR 97219 – (503) 246-7753 – View Map - Chris Shobe – State Farm Insurance Agent
2900 SE Stark St b – Portland, OR 97214 – (971) 242-8981 – View Map - Reggie Guyton – State Farm Insurance Agent
8180 N Lombard St – Portland, OR 97203 – (503) 289-3601 – View Map
Independent Car Insurance Agents
Agents in the independent channel are not employed by one company so they can write business amongst many companies and find you the best rates. To transfer your coverage to a different company, an independent agent can move your coverage which is easy for the insured.
When shopping rates, you absolutely need to include several independent agencies so that you have a good selection of quotes to compare. Most also write with companies that do not advertise much which can be an advantage.
The following are Portland independent insurance agents willing to provide price quotes.
- Focus 1 Insurance
1500 NW 18th Ave #107 – Portland, OR 97209 – (503) 206-6588 – View Map - Vern Fonk
9955 SE Washington St #103 – Portland, OR 97216 – (971) 213-1015 – View Map - Darrell Grenz Insurance Agency
5651 N Lombard St – Portland, OR 97203 – (503) 206-6736 – View Map
Insurance agents can help
Always remember that when buying the right insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.
Here are some questions about coverages that may help you determine if you may require specific advice.
- What does medical payments cover?
- If I use my vehicle for business use is it covered?
- When should I have rental car coverage?
- I have good health insurance, so how much medical payments coverage do I need?
- Does my Chrysler Town and Country need full coverage?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Do I need an umbrella policy?
- Is my state a no-fault state?
- Does my personal policy cover me when driving out-of-state?
- Is motorclub coverage worth it?
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.
Ratings for Oregon car insurance companies
Choosing the right insurer can be a challenge considering how many different companies there are to choose from in Portland. The information below may help you pick which auto insurance companies to look at comparing rates with.
Top 10 Portland Car Insurance Companies Ranked by Customer Service
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- Nationwide
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+
Cover all your bases
Discount Chrysler Town and Country insurance in Portland can be purchased on the web in addition to local insurance agencies, so you need to shop Portland auto insurance with both to have the best chance of lowering rates. There are still a few companies who don’t offer rates over the internet and many times these small insurance companies sell through independent insurance agencies.
As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced full coverage and learned later that the small savings ended up costing them much more. Your goal is to find the BEST coverage for the lowest cost while not skimping on critical coverages.
You just read a lot of ways to shop for Chrysler Town and Country insurance online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Drivers may even discover the lowest priced car insurance comes from some of the smallest insurance companies.
Other information
- Collision Coverage (Liberty Mutual)
- What Auto Insurance is Cheapest for a 20 Year Old Male in Portland? (FAQ)
- What Car Insurance is Cheapest for a Ford F-150 in Portland? (FAQ)
- What Auto Insurance is Cheapest for Real Estate Agents in Portland? (FAQ)
- How Much are Portland Car Insurance Quotes for Drivers Under 21? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Distracted Driving (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)