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Oregon Auto Insurance

As an Oregon resident you know that you are required to carry proof of auto liability insurance whenever you drive. However, just because you have to buy car insurance doesn’t mean you have to pay a lot for it! Here's Save Money On Oregon Auto Insurancethe information you need to know before you start shopping for affordable Oregon auto insurance; once you’re ready we’ve made it easy for you to start the process of getting free automobile insurance quotes.

Minimum Auto Insurance Requirements
in Oregon

If you own your vehicle you must meet certain minimum levels of insurance before you start driving. Those minimums include $25,000 in bodily injury liability coverage for a single person and $50,000 per accident, and $10,000 in property liability insurance which covers damage to the other vehicles or property.

In addition, since Oregon is a no-fault state, car owners must purchase PIP insurance (personal injury protection) which covers your medical expenses in case of an accident. Coverage includes medical expenses, loss of wages and essential services for a full year, and funeral expenses.

In addition, Oregon requires bodily injury coverage against accidents involving uninsured motorists of at least $25,000/person, $50,000/incident.

Saving Money on Oregon Auto Insurance

There are several ways to lower the cost of auto insurance in Oregon. These include:

  • Maintaining a good driving record – no tickets, no accidents
  • Choosing a sensible vehicle, one with reasonable repair costs.
  • Never let your insurance coverage lapse
  • Increase deductibles to the highest amount you can afford for out-of-pocket expenses
  • Combine policies for additional discounts – ask about multi-vehicle discounts or combining your auto and home insurance policies.

Oregon is unique in its use of credit scoring to determine rates. Scores can’t be used to raise premiums or cancel or refuse policies. In fact, if an insurer decides not to offer their best rate due to credit scoring, they are required to tell consumers the specific reason for that decision.

Rating Categories for Oregon Car Insurance

There are three basic categories of drivers, and your rates will be determined based on which category you fall into.

Preferred – the best drivers with clean records for at least the last three years.
Standard – moderate risk drivers, usually with family cars and reasonably clean driving records.
Nonstandard – high risk drivers with a history of tickets or accidents, a poor payment record, frequently under 25 years old.

More Information on Oregon Insurance

If you have other questions about purchasing coverage for your vehicle, contact the Oregon Insurance Division, 350 Winter St NE, Room 440, Salem, OR 97301. You can call them at 503-947-7980 or visit their website.

Ready to Shop for Oregon Car Insurance

Now that you have all the facts and know what you need, it’s time to start shopping. The best thing to do is compare several free quotes to see which is the best value for your insurance dollars. To get started, just enter your zip code in the box below, then click on the three or four companies that sound best to you. Start now!

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