Reader’s Question:

I guess I’m starting to get tired that all things are going up so I would like to cut expenses on some things including my car insurance here in Oregon. How do I exactly do that?

Harris

Gresham, OR

For you to have big savings on your car insurance in Oregon, consider the following things:

1. Find out if you can get a car insurance discount if you purchase more than one type of policy from your insurance provider. For example, your insurer might also provide homeowner insurance and other types of insurance so you can combine them and have a discount on your car insurance.

2. Try hard to be the best driver you can be since this can cut down your car insurance premiums.

3. Get the highest deductible you can afford and this will reduce your auto insurance payment. The deductible is the amount that you pay from your own pocket when an accident occurs before your car insurance comes in.

4. Shop around and compare car insurance quotes as you can surely come across an insurer that can offer cheaper premiums for the same type of coverage. There are quite a number of ways on how to compare car insurance. The traditional way is by going from one car insurance agency to another to ask for car insurance quotes. You can also call different car insurance companies and request for quotes. Then you also have an option to go online, which is the most widely used process nowadays. Make a note of all the information you need from your research so that you can come up with a wise decision to save on your car insurance.

5. Ask for discounts, you never know what you might be able to get and how much you can save by asking.  Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk