Cheap Insurance for a Toyota Corolla in Portland

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Discount Toyota Corolla insuranceWould you like to save money by finding more affordable auto insurance rates in Portland, OR? Portland buyers have options when searching for low-cost Toyota Corolla insurance. You can either waste hours calling around to compare prices or leverage the internet to get rate quotes. There is a better way to shop for auto insurance so we're going to tell you the proper way to price shop coverage for a Toyota and get the cheapest rates from Portland insurance agents and online providers.

The fastest way that we advise to compare rate quotes for Toyota Corolla insurance in Portland is to take advantage of the fact most of the larger companies will pay a fee to give you rate quotes. To begin a comparison, all you need to do is provide a little information including how much school you completed, if you're married, any included safety features, and driver ages. The rating information is instantly sent to multiple top-rated companies and you should receive rate quotes instantly to find the best rate.

If you wish to get multiple quotes for your Toyota Corolla now, click here and see if a lower rate is available in Portland.

The car insurance companies shown below are ready to provide price quotes in Oregon. If multiple companies are listed, we recommend you get prices from several of them to get the best price comparison.

Get cheap Toyota Corolla insurance in Portland with discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be inquired about before you will receive the discount.Insurance discounts

  • Discounts for Federal Employees - Having worked for a branch of the government may qualify for a discount when you quote Portland car insurance with some insurance companies.
  • Telematics Discount - Policyholders that allow data collection to look at driving patterns by using a telematic data system such as Progressive's Snapshot could possibly reduce rates as long as the data is positive.
  • Waiver for an Accident - This one is not really a discount per se, but companies like Progressive, State Farm and GEICO allow you one accident before they charge you more for coverage if you have no claims for a particular time prior to the accident.
  • Organization Discounts - Being in specific professional or occupational memberships or organizations could trigger savings when shopping for insurance.
  • Student Discounts - Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Low Miles Discount - Low annual miles can qualify you for cheaper rates.
  • Include Life Insurance and Save - Some companies give a discounted insurance rate on car insurance if you buy some life insurance too.
  • Active Service Discounts - Being on active duty in the military may lower your insurance rates slightly.
  • Anti-lock Brake Discount - Cars and trucks that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.

A little disclaimer on discounts, many deductions do not apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. Despite the appearance that you can get free auto insurance, nobody gets a free ride.

The illustration below visualizes the comparison of Toyota Corolla insurance rates with and without discounts applied to the premium. The premium estimates are based on a male driver, a clean driving record, no claims, Oregon state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, multi-car, marriage, and homeowner discounts applied.

A list of companies and some of their more popular discounts can be found below.

  • State Farm may offer discounts for defensive driving training, passive restraint, good driver, multiple policy, and multiple autos.
  • Farmers Insurance includes discounts for multi-car, alternative fuel, electronic funds transfer, homeowner, pay in full, and good student.
  • Progressive has discounts for continuous coverage, multi-vehicle, good student, homeowner, and multi-policy.
  • GEICO offers discounts for federal employee, anti-lock brakes, good student, driver training, emergency military deployment, military active duty, and seat belt use.
  • Auto-Owners Insurance may have discounts that include air bags, anti-theft, group or association, anti-lock brakes, safe driver, and mature driver.
  • The Hartford has savings for anti-theft, good student, bundle, air bag, vehicle fuel type, and driver training.
  • Farm Bureau offers premium reductions for youthful driver, renewal discount, driver training, good student, and multi-policy.
  • USAA policyholders can earn discounts including multi-policy, safe driver, multi-vehicle, annual mileage, family discount, defensive driver, and driver training.

If you need cheaper Portland car insurance quotes, ask every prospective company how you can save money. Some of the earlier mentioned discounts may not apply in Portland.

Rates and data analysis

The rate information displayed below outlines different insurance rates for Toyota Corolla models. Understanding how auto insurance policy rates are figured is important to be able to make smart buying decisions.

Toyota Corolla Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $222 $486 $432 $26 $130 $1,296 $108
Corolla S $222 $486 $432 $26 $130 $1,296 $108
Corolla XLE $222 $486 $432 $26 $130 $1,296 $108
Corolla XRS $252 $486 $432 $26 $130 $1,326 $111
Get Your Own Custom Quote Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in specific location information which can revise rates greatly.

The chart below demonstrates how deductible levels and can affect Toyota Corolla yearly insurance costs for each different age group. The premiums assume a married female driver, full coverage, and no policy discounts are applied.

Drive safe and save

The example below illustrates how speeding tickets and at-fault fender-benders raise Toyota Corolla car insurance costs for different age groups. The data is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Toyota Corolla insurance premiums by gender and age

The diagram below compares Toyota Corolla premium costs for male and female drivers. The rates are based on no accidents, no driving violations, comp and collision included, $250 deductibles, single marital status, and no policy discounts are applied.

Oregon auto insurance companies

Choosing a highly-rated company is hard considering how many different companies insure vehicles in Oregon. The company ratings below could help you analyze which car insurance providers to look at comparing rates from.

Top 10 Portland Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Top 10 Portland Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Mercury Insurance
  9. Nationwide
  10. Safeco

Informed Drivers Can Cut Their Insurance Prices

An important part of buying insurance is that you know some of the things that play a part in calculating the price you pay for insurance. When you understand what determines base rates, this empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Prevent theft and save - Selecting a car model with a theft deterrent system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Insurance premiums and vehicle performance - The type of car you own makes a substantial difference in the rate you pay. Low performance passenger cars usually are quite affordable to insure, but the cost you end up paying is determined by many additional factors.

    The following chart uses these assumptions: married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It illustrates Toyota Corolla policy rates compared to other vehicles that have different risk factors.

  • Keep premiums low by being claim-free - If you file claims often, you can expect higher rates. Auto insurance companies in Oregon award the best rates to insureds who only file infrequent claims. Insurance coverage is intended for the bigger claims that can't be paid out-of-pocket.
  • Always keep your policy in place - Allowing your insurance policy to lapse will be a fast way to increase your insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance may earn you fines or a revoked license.
  • Lower comp and collision deductibles cost more - Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Toyota. Some examples of covered claims could be a broken side mirror, damage caused by hail, and damage from a fallen tree branch. Your deductibles are how much you are required to pay if a covered claim is submitted. The more money you are required to pay out-of-pocket, the lower your rates will be.
  • Liability coverage claims can be big - Your insurance policy's liability coverage is the protection if ever you are found to be at fault for causing personal injury or damage in an accident. It provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Toyota Corolla insurance loss data - Car insurance companies take into consideration insurance loss statistics for every vehicle as a tool for profitable underwriting. Models that tend to have higher number or severity of losses will have a higher cost to insure.

    The table below shows the insurance loss data for Toyota Corolla vehicles. For each policy coverage, the claim amount for all vehicles averaged together is represented as 100. Numbers below 100 are indicative of better than average losses, while values over 100 indicate more frequent claims or tendency to have larger claims.

    Car Insurance Loss Data for Toyota Corolla Models
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Toyota Corolla 133 111 94 156 158 128

    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years