Getting budget Eagle Point auto insurance might appear rather difficult for drivers new to quoting and buying insurance on the internet. With so many agents and online companies, how can Eagle Point drivers have the ability to compare them all to find the lowest rates?
Buying car insurance in Eagle Point is quite easy. Just about everyone who buys auto insurance will more than likely be able to find better rates. But Oregon consumers do need to learn how big insurance companies price insurance differently and use this information to your advantage.
Most of the larger companies allow consumers to get coverage prices online. This process doesn’t take a lot of time as you simply enter your coverage preferences on the page. Upon sending the form, their rating system automatically retrieves your driving and credit reports and generates a price based on these factors.
This makes it a lot easier to compare rates but the time required to go to a lot of sites and type in the same information is monotonous and tiresome. But it is imperative to compare as many rates as possible if you are searching for the lowest price.
There is an easier way to compare rates
The quickest way to lower your rates uses one form to get prices from several companies at one time. It saves time, helps eliminate reptitive entry, and makes online shopping much more enjoyable. After sending your information, it is quoted and you can choose any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The whole process can be completed in a matter of minutes and can result in significant savings.
To compare rates now, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend you type in the limits and deductibles exactly as shown on your declarations page. This way, you are getting rate quotes for exact coverage.
Lower rate quotes by applying discounts
Auto insurance companies don’t list every available discount very clearly, so below is a list a few of the more common and also the more inconspicuous credits that may apply to you. If you’re not getting every credit you deserve, you could be paying more than you need to.
- Good Grades Discount – This discount can save 20 to 25%. The good student discount can last until age 25.
- Defensive Driver Discounts – Taking time to complete a class that teaches defensive driver techniques may get you a small discount and make you a better driver.
- Active Military Service – Being on active duty in the military can result in better rates.
- Low Mileage – Fewer annual miles may enable drivers to earn substantially lower auto insurancerates.
- Paperwork-free – Many auto insurance companies will give a small break for signing up digitally online.
- Save with a New Car – Adding a new car to your policy can get you a discount due to better safety requirements for newer vehicles.
Don’t be surprised that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky.
Companies who might offer these discounts include:
When quoting, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply everywhere. To locate auto insurance companies that have a full spectrum of discounts in Eagle Point, follow this link.
Four ways to get auto insurance for less in Eagle Point
Many different elements are considered when pricing auto insurance. Some are pretty understandable such as your driving record, but others are more transparent such as whether you are married or how financially stable you are. 
The itemized list below are some of the items companies use to determine your rates.
- Don’t buy add-on coverages that aren’t used – There are quite a few extra coverages that can add up if you don’t pay attention. Coverages like roadside assistance, accidental death, and extra life insurance coverage are some examples. They may seem like a good idea at first, but now you might not need them so eliminate them to save money.
- Car and home together may be cheaper – Many insurance companies will give a discount to clients that have more than one policy, otherwise known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, consumers should still compare other insurance prices to verify if the discount is saving money.
- Your job and auto insurance rates – Jobs such as doctorspolice officers and miners generally have higher rates than the rest of us due to intense work-related stress and lengthy work days. Conversely, jobs like farmers, students and retirees pay the least.
- Premiums increase with driving tickets – Whether or not you get tickets can have a huge impact on auto insurance premiums. Good drivers have lower premiums compared to bad drivers. Only having one citation may increase your cost twenty percent or more. Drivers who have received careless tickets like hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
When to talk to a local insurance agent
Some consumers would prefer to have an agent’s advice. An additional benefit of getting free rate quotes online is you can get cheaper prices and still choose a local agent.
To find an agent, once you fill out this simple form, your information is instantly submitted to agents in your area that give free quotes to get your business. You won’t need to drive around due to the fact that quote results will go immediately to your email address. You can get cheaper auto insurance rates and a licensed agent to work with. If you need to compare prices from a specific company, you can always jump over to their website and fill out their quote form.
Choosing an company shouldn’t rely on just the quoted price. A good agent will have answers to these questions.
- Are there any discounts that you might be missing?
- How long have they been in business?
- If you raise deductibles, how much can you save?
- Will the agent help in case of a claim?
- If you have an accident, will your rates go up?
- What companies can they write with?
When researching a local insurance agency, there are a couple of types of insurance agents to choose from. Auto insurance policy providers can either be independent agents or captive agents depending on their employer.
Captive Auto Insurance Agents
Agents in the captive channel have only one company to place business with and examples are State Farm, AAA, and Liberty Mutual. These agents are not able to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Captive insurance agents are usually well trained on their products and sales techniques which can be an advantage. A lot of people choose to use a captive agent primarily because of the brand legacy and the convenience of having all coverages with one company.
Listed below is a list of captive agencies in Eagle Point that can give you price quotes.
- State Farm Insurance – 11264 Highway 62 – Eagle Point, OR 97524 – (541) 826-6333
Independent Agents
Agents in the independent channel are not restriced to one company so they can write business with any number of different companies and find the cheapest rate. To move your coverage to a new company, they simply move your policy to a different company and you don’t have to find a new agent.
If you need lower rates, it’s a good idea to include a couple of independent agencies to ensure the widest selection of prices. Most also have access to smaller mutual companies which can be an advantage.
The following is a short list of independent agencies in Eagle Point that are able to give comparison quotes.
- Family Insurance Svc – 11232 Highway 62 # C – Eagle Point, OR 97524 – (541) 830-3444
To view more licensed insurance agents in Eagle Point, see this page of Eagle Point, OR insurance agencies.
Additional detailed information can be read at the Oregon Insurance Division website. Visitors are able to find a variety of consumer forms, file complaints about a company, and file complaints about an insurance agent or broker.
Does auto insurance advertising bend the truth?
Auto insurance providers like Geico, State Farm and Progressive seem to constantly run ads on television and other media. They all try to convey promises that drivers can save some big amount if you change your auto insurance coverage to their company. That’s great but how can every company have lower policy pricing? Here is the trick they use.
All the different companies provide the lowest rates for the driver that earns them the highest profit. A good example of a profitable insured might be between the ages of 30 and 50, has never had a claim, and chooses high deductibles. Anybody that hits that “sweet spot” is entitled to the best price and will probably save quite a bit of money when switching.
Consumers who don’t measure up to the “perfect” profile may be required to pay a more expensive rate with the end result being the customer buying from a different company. If you pay attention, the ads say “customers who switch” not “everybody who quotes” will save that much if they switch. This is how companies can truthfully make the claims of big savings. Because of these techniques, drivers must compare as many as you can. You cannot predict the company that will have the lowest rate quotes.
Find cheaper rates by being thorough
Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, questionable increases in premium, policy non-renewal or not issuing a premium refund. Regardless of your reason, choosing a new insurance company can be less work than you think.
Low-cost auto insurance can be purchased on the web and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some companies may not provide rates over the internet and many times these regional insurance providers work with independent agents.
As you shop your coverage around, never buy poor coverage just to save money. In too many instances, someone dropped physical damage coverage to discover at claim time that it was a big mistake. Your focus should be to purchase plenty of coverage at the best price, not the least amount of coverage.