To save the most money, the best way to get low-cost car insurance rates in Portland is to compare prices once a year from insurers that insure vehicles in Oregon. Rates can be compared by following these steps.
Step 1: Get a basic knowledge of how insurance works and the modifications you can make to prevent expensive coverage. Many risk factors that result in higher prices like distracted driving and a bad credit rating can be amended by making lifestyle changes or driving safer. This article provides tips to help prevent high rates and find hidden discounts.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like GEICO or Allstate, while independent agencies can provide price quotes from multiple companies.
Step 3: Compare the new rates to your existing coverage and see if there is a cheaper rate. If you can save money, make sure coverage is continuous and does not lapse.
Step 4: Give notification to your agent or company to cancel your existing policy. Submit payment along with a signed and completed policy application to your new agent or company. Once the application is submitted, put the new certificate verifying proof of insurance in an easily accessible location in your vehicle.
An important note is to make sure you’re comparing identical limits and deductibles on every quote request and and to get price quotes from as many car insurance companies as possible. This provides the most accurate price comparison and plenty of rates choose from.
Smart shoppers know that insurance companies want to prevent you from shopping around. Insureds who get comparison quotes at least once a year will presumably switch to a new company because there is a significant possibility of finding lower rate quotes. A study showed that people who compared price quotes annually saved on average $865 annually as compared to drivers who never shopped around.
If saving money on insurance in Portland is your ultimate goal, then having an understanding of how to compare insurance rates can help simplify the task of finding more affordable coverage.
Most companies provide insurance quotes online. Doing online price comparisons for Honda Civic insurance in Portland is pretty painless as all you need to do is type in your coverage preferences into the quote form. When the form is submitted, their quoting system automatically retrieves your credit score and driving record and gives you a price quote based on these and other factors.
This makes it simple to compare prices and it’s absolutely necessary to perform this step if you want to get the cheapest price.
In order to use this form to compare rates, check out the insurance providers below. If you have a policy now, it’s recommended you complete the form with the insurance coverages just like they are on your policy. Doing this assures you will receive an apples-to-apples comparison based on identical coverages.
The companies shown below offer price quotes in Portland, OR. If you want to find cheap car insurance in Portland, we recommend you visit two to three different companies to find the cheapest car insurance rates.
Do you qualify for discounts?
Car insurance companies don’t always list every available discount in an easy-to-find place, so here is a list both the well known as well as some of the hidden credits that you can use to lower your rates.
- Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
- Theft Deterrent – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and can earn a small discount on your policy.
- Auto/Life Discount – Some insurance companies give a lower rate if you buy life insurance.
- Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
- Resident Student – Youth drivers who attend college more than 100 miles from Portland and do not take a car to college could get you a discount.
Just know that most discount credits are not given to your bottom line cost. Most only cut individual premiums such as medical payments or collision. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride.
The chart below shows the difference between Honda Civic annual premium costs with and without discounts applied to the rates. The data is based on a male driver, no claims or driving violations, Oregon state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-policy, marriage, and multi-car discounts applied.
Some of the larger companies that may offer quotes with these benefits include:
Before buying, ask each insurance company how many discounts you can get. Depending on the company, some discounts might not be offered in Portland. If you would like to choose from a list of insurance companies who offer cheap Honda Civic insurance quotes in Oregon, click here.
Honda Civic insurance coverage information
The coverage table below outlines different insurance coverage prices for Honda Civic models. Being aware of how car insurance premiums are figured can help guide drivers when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $232 | $486 | $326 | $20 | $98 | $1,162 | $97 |
| Civic VP 4-Dr Sedan | $232 | $574 | $326 | $20 | $98 | $1,250 | $104 |
| Civic LX 4-Dr Sedan | $232 | $574 | $326 | $20 | $98 | $1,250 | $104 |
| Civic DX 2-Dr Coupe | $232 | $574 | $408 | $24 | $122 | $1,360 | $113 |
| Civic EX 4-Dr Sedan | $232 | $574 | $326 | $20 | $98 | $1,250 | $104 |
| Civic LX-S 4-Dr Sedan | $232 | $574 | $326 | $20 | $98 | $1,250 | $104 |
| Civic LX 2-Dr Coupe | $232 | $660 | $408 | $24 | $122 | $1,446 | $121 |
| Civic EX-L 4-Dr Sedan | $266 | $660 | $326 | $20 | $98 | $1,370 | $114 |
| Civic SI 4-Dr Sedan | $266 | $660 | $326 | $20 | $98 | $1,370 | $114 |
| Civic EX 2-Dr Coupe | $266 | $660 | $408 | $24 | $122 | $1,480 | $123 |
| Civic GX 4-Dr Sedan | $266 | $660 | $326 | $20 | $98 | $1,370 | $114 |
| Civic EX-L 2-Dr Coupe | $266 | $660 | $408 | $24 | $122 | $1,480 | $123 |
| Civic Hybrid 4-Dr Sedan | $302 | $574 | $326 | $20 | $98 | $1,320 | $110 |
| Civic SI 2-Dr Coupe | $302 | $746 | $408 | $24 | $122 | $1,602 | $134 |
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium costs do not factor in vehicle location which can revise prices considerably.
The example below illustrates how your deductible choice and can increase or decrease Honda Civic annual premium costs for each different age category. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied.
Yearly auto insurance costs for men versus women
The chart below shows the difference between Honda Civic insurance rates for male and female drivers. The prices are based on a clean driving record, no claims, full coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.
Why Informed Drivers Pay Less for Honda Civic Insurance
Many factors are taken into consideration when you get a price on insurance. Some factors are common sense such as traffic violations, but others are less obvious like where you live or how safe your car is.
The factors shown below are most of the major factors utilized by car insurance companies to help set prices.
- Additional coverages that may be costing you – There are quite a few additional coverages you can purchase if you don’t pay attention. Coverage for things like rental car coverage, accidental death, and additional equipment coverage may be wasting your money. They may sound like good ideas when discussing your needs, but now you might not need them so remove them and pocket the money.
- Never allow your auto insurance to lapse – Driving without insurance is not a good idea and your next policy will cost more because you let your insurance lapse. And not only will insurance be more expensive, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with the Oregon motor vehicle department to get your license reinstated.
- Your location is important – Residing in a small town has definite advantages when trying to find low car insurance rates. Lower population means reduced accidents and also fewer theft and vandalism claims. City drivers regularly have more road rage incidents and longer commutes to work. Spending more time driving translates into higher accident risk.
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Teenagers are high risk – Inexperience drivers tend to be careless and easily distracted with other occupants in the car so they pay higher auto insurance rates. More experienced drivers have been proven to be more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets.
The following chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
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Driving citations increase rates – Being a careful driver has a lot to do with how much you pay for insurance. Having just one driving citation can increase rates twenty percent or more. Attentive drivers tend to pay less for car insurance as compared to those with violations. Drivers who have received severe citations like DUI or reckless driving may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state in order to legally drive.
The illustration below illustrates how traffic citations and at-fault accidents impact Honda Civic insurance costs for different age groups. The premium estimates are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
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Insurance losses for a Honda Civic – Companies include the past claim trends for vehicles as a tool for profitable underwriting. Models that the statistics show to have a trend towards higher claim severity or frequency will have higher rates.
The table shown below demonstrates the loss history for Honda Civic vehicles. For each type of coverage, the loss probability for all vehicles as a whole is considered to be 100. Numbers shown that are under 100 suggest a positive loss record, while numbers above 100 indicate more frequent losses or an increased chance of a larger loss.
Insurance Loss Ratings for Honda Civic Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Honda Civic 92 105 68 127 135 121 Honda Civic Hybrid 90 85 106 105 78 Honda Civic Si 126 97 117 124 104 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Neighborhood Portland auto insurance agents
A lot of people still prefer to go talk to an agent and that is recommended in a lot of cases One of the benefits of getting free rate quotes online is that you can find cheap rate quotes and still buy from a local agent. And providing support for local agents is definitely important in Portland.
After completing this simple form, the coverage information is immediately sent to local insurance agents in Portland that can give you free Portland auto insurance quotes for your coverage. You don’t have to leave your computer as quotes are delivered directly to your email. You can most likely find cheaper rates without the usual hassles of price shopping. If you want to get a comparison quote from a specific company, just jump over to their website and fill out their quote form.
When searching for a reliable insurance agency, there are two different types of agencies from which to choose. Insurance agencies in Portland are classified as either independent agents or exclusive agents depending on their employer.
Independent Agencies or Brokers
These agents are appointed with more than one company so they have the ability to put coverage with an assortment of companies and find you the best rates. To move your coverage to a new company, your agent can just switch to a different company and that require little work on your part.
If you are comparing car insurance prices, you will definitely want to get rate quotes from at a minimum one independent agency for the best price selection. Many independent agencies also insure through smaller companies that may provide cheaper car insurance rates.
Featured below is a small list of independent agents in Portland that may be able to provide price quotes.
- Pibal Insurance Brokers of Oregon
1314 NW Irving St – Portland, OR 97209 – (503) 287-8808 – View Map - Wix Insurance Agency
8037 SE Stark St – Portland, OR 97215 – (503) 760-6826 – View Map - WelPland Insurance, SE Portland and Clackamas County
5845 SE 82nd Ave – Portland, OR 97266 – (503) 777-5406 – View Map
Exclusive Car Insurance Agents
Agents in the exclusive channel can only provide one company’s prices like AAA, Allstate, and State Farm. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. These agents are well schooled on sales techniques which helps them sell insurance even at higher premiums. A lot of people purchase coverage from exclusives mostly because of the brand legacy and strong financial ratings.
The following is a short list of exclusive insurance agents in Portland who can help you get price quotes.
- State Farm: Rick Hennessy
6335 SW Capitol Hwy – Portland, OR 97239 – (503) 245-9345 – View Map - Michael Holton – State Farm Insurance Agent
7113 SW Macadam Ave – Portland, OR 97219 – (503) 517-9090 – View Map - Ernest J Hill Jr – State Farm Insurance Agent
4946 N Vancouver Ave – Portland, OR 97217 – (503) 286-1103 – View Map
Picking an auto insurance agent should include more criteria than just the premium amount. Here are some questions you might want to ask.
- How are claims handled?
- Will they take your side in the event of a claim?
- Do you qualify for any additional discounts?
- If they are an independent agency in Portland, which companies do they recommend?
- When do they do a full risk review?
- Do they offer claims assistance after hours?
- Does the quote include credit and driving reports?
Once you have good responses for all questions you ask and a good coverage price, you have narrowed it down to an insurance agent that can be relied on to properly service your car insurance policy.
Insurance agents can help
Always remember that when buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that.
For instance, these questions may help you determine if you might need an agent’s assistance.
- When should I buy a commercial auto policy?
- Am I covered if I crash into my own garage door?
- What is an adequate liability insurance limit?
- Will I lose any money if I cancel my policy before it expires?
- Is my Honda Civic covered for smoke damage?
- Are my company tools covered if they get stolen?
- What is an umbrella policy?
If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.
The most affordable rates come from being thorough
When shopping online for auto insurance, never skimp on coverage in order to save money. There are many occasions where someone sacrificed uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.
Some companies may not have online price quotes and most of the time these regional carriers provide coverage only through local independent agents. Cheap Honda Civic insurance in Portland can be purchased from both online companies and with local Portland insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.
In this article, we presented a lot of ways to lower your Honda Civic insurance premium rates in Portland. The key thing to remember is the more providers you compare, the better your chances of lowering your prices. You may even find the best premium rates are with a smaller regional carrier. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.
Additional information
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Rates for High Risk Drivers in Portland? (FAQ)
- How Much is Portland Auto Insurance for Police Officers? (FAQ)
- How Much are Auto Insurance Rates for a Subaru Outback in Portland? (FAQ)
- Who Has Cheap Portland Auto Insurance for Drivers Over Age 70? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Company Car in Portland? (FAQ)
- Distracted Driving (Insurance Information Institute)
- Auto Theft Statistics (Insurance Information Institute)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Auto Insurance FAQ (Farmers Insurance)