Truthfully, the best way to get more affordable Toyota Yaris insurance in Portland is to do an annual price comparison from providers that sell auto insurance in Oregon. You can compare rates by following these guidelines.
- Step 1: Learn about how companies price auto insurance and the measures you can take to lower rates. Many rating factors that result in higher prices such as traffic citations, accidents, and a low credit score can be remedied by being financially responsible and driving safely.
- Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from multiple insurance companies.
- Step 3: Compare the price quotes to your current policy premium and see if you can save money. If you find a lower rate, ensure there is no coverage lapse between policies.
- Step 4: Provide written notification to your current company to cancel your current car insurance policy. Submit a completed policy application and payment to the new company. Make sure you keep your new certificate verifying proof of insurance in an accessible location in your vehicle.
The key thing to know about shopping around is to use the same physical damage deductibles and liability limits on every quote and and to get price estimates from as many companies as possible. Doing this ensures a fair rate comparison and a good representation of prices.
We don’t have to point out that fact that car insurance companies don’t want you to look for cheaper rates. People who shop around are very likely to buy a new policy because of the good chance of finding lower prices. A recent car insurance study discovered that drivers who routinely shopped for cheaper coverage saved over $860 a year compared to people who never shopped for cheaper rates.
If finding budget-friendly car insurance is your intention, learning how to quote prices and compare insurance premiums can make shopping around easier.
When comparison shopping, getting more free quotes helps you find the best price.
The companies shown below provide comparison quotes in Oregon. To get cheap auto insurance in OR, we recommend you compare several of them to get the best price comparison.
Coverage analysis
The coverage table displayed below highlights different insurance prices for Toyota Yaris models. Learning how insurance quotes are calculated can benefit drivers when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $128 | $256 | $368 | $22 | $110 | $884 | $74 |
| Yaris 4-Dr Hatchback | $128 | $256 | $326 | $20 | $98 | $828 | $69 |
| Yaris 4-Dr Sedan | $128 | $256 | $326 | $20 | $98 | $828 | $69 |
| Yaris S 2-Dr Hatchback | $148 | $256 | $368 | $22 | $110 | $904 | $75 |
| Yaris S 4-Dr Hatchback | $148 | $256 | $326 | $20 | $98 | $848 | $71 |
| Yaris S 4-Dr Sedan | $148 | $256 | $326 | $20 | $98 | $848 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Prices do not factor in specific location information which can decrease or increase price quotes noticeably.
The illustration below shows how choosing a deductible and can raise or lower Toyota Yaris insurance costs for different age groups. The information is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Full coverage rates compared to liability-only
The information below shows the difference between Toyota Yaris annual premium costs when comparing full coverage to state minimum liability only. The premiums are based on no claims or driving citations, $100 deductibles, single marital status, and no other discounts are factored in.
When to eliminate full coverage
There is no definitive guideline for phasing out physical damage coverage, but there is a general school of thought. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s say your Toyota Yaris settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after paying your policy deductible. If you are paying more than $200 a year for full coverage, then it might be time to buy liability only.
There are a few cases where eliminating full coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Will just any policy work for me?
When buying the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that could help you determine whether or not you may require specific advice.
- Should I rate my Toyota Yaris as pleasure use or commute?
- How much can I save by bundling my policies?
- Can my babysitter drive my car?
- Do I need special coverage while pulling a rented trailer?
- Can I afford low physical damage deductibles?
- What is UM/UIM insurance?
- Are my company tools covered if they get stolen?
- Is upholstery damage covered by car insurance?
- Do I have coverage when making deliveries for my home business?
- Can I insure my car for more than it’s worth?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.
You may require the services of an agent
Many people would prefer to talk to a local agent and that is OK! An additional benefit of price shopping on the web is you may find cheaper rates and still choose a local agent.
Once you complete this short form, your coverage information is emailed to participating agents in Portland that give free quotes for your car insurance coverage. It makes it easy because there is no need to search for an agent because prices are sent to your email. You can find lower rates and work with a local agent. If you need to quote rates for a specific company, just go to their quote page to submit a rate quote request.
Picking an provider shouldn’t rely on just the bottom line cost. Any agent in Portland should be forthright in answering these questions:
- Does the company have a local claim office in Portland?
- Will you get a loaner vehicle if you car is being repaired?
- Do they regularly work with personal auto policies in Portland?
- What is the agency’s Better Business Bureau rating?
- How are they compensated?
- How many years have they been established?
- How much experience to they have in personal lines coverages?
- Are there any hidden costs in their price quote and does it include driving and credit history?
If you need to find an insurance agent, there are two different types of agencies and how they can quote your rates. Agencies in Portland are classified as either independent or exclusive.
Exclusive Agencies
Agents of this type can only provide one company’s prices such as Farmers Insurance and State Farm. Exclusive agents are unable to compare other company’s rates so you might not find the best rates. Exclusive agencies are trained well on what they offer which helps overcome the inability to quote other rates. Consumers frequently purchase coverage from exclusives partially due to the brand legacy rather than low rates.
The following is a short list of exclusive insurance agencies in Portland that can give you price quote information.
- Lidia Mazun – State Farm Insurance Agent
11916 SE Division St – Portland, OR 97266 – (503) 761-1444 – View Map - Gustavo Soares – State Farm Insurance Agent
650 NE Holladay St Ste 1600 – Portland, OR 97232 – (503) 287-0027 – View Map - Todd Houser – State Farm Insurance Agent
7515 SW Barnes Rd #101 – Portland, OR 97225 – (503) 297-3788 – View Map
Independent Agents (or Brokers)
These type of agents often have affiliation with several companies and that enables them to quote your coverage through many companies and potentially find a lower price. If they quote lower rates, the agent simply finds a different carrier which makes it simple for you.
If you are comparing car insurance prices, it’s a good idea to check rates from several independent agencies so that you have a good selection of quotes to compare. A lot of them also have access to smaller regional carriers which could offer lower prices.
Shown below is a list of independent insurance agents in Portland willing to provide rate quotes.
- Stamm Stuart Bybee Insurance
16455 SE Division St – Portland, OR 97236 – (971) 254-1148 – View Map - Fournier Group
510 SW 5th Ave #701 – Portland, OR 97204 – (503) 251-2255 – View Map - Elliott, Powell, Baden and Baker Inc
1521 SW Salmon St – Portland, OR 97205 – (503) 227-1771 – View Map
After you get reasonable responses for all questions you ask as well as offering an affordable quote, it’s possible that you found an insurance agency that meets your needs to adequately provide car insurance.
Best auto insurance company in Portland
Buying coverage from a highly-rated insurance provider can be challenging considering how many different companies sell coverage in Portland. The ranking information shown next may help you decide which car insurance companies you want to consider when looking for cheaper rates.
Top 10 Portland Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- 21st Century – 88%
- Liberty Mutual – 88%
- Allstate – 88%