Oregon

Insurance In Oregon

    Oregon is a state of green grass, beauty and mountains. It can be in the form of a large city or a small country town. But everyone who lives in Oregon understands the importance of the state they love so much. Oregon is one of the most geographically diverse states in all of the United States. It is made up of volcanic mountain ranges, beaches, and high desert landscapes. It is one of the three states to border the Pacific Ocean. Many wonderful cities such as Portland, Ashland and Bend are unique and known for being great tourist destinations. Oregon is known for growing hay, other forms of agriculture, fishing and hydroelectric power. Oregon only has around 2.5 million people and is the 33rd largest state out of the 50. When you visit Oregon you will notice that at gas stations, you have an attendant you pumps gas for you. This is just one unique part about living in the state that sets it apart from others. If you are looking to settle down in Oregon, you will find affordable housing and a lush environment. Oregon is rural and artsy and fun all at the same time. Get the most for your money living here by attaining cheap insurance Oregon residents need.      

Oregon Facts

   
  • Oregon residents enjoy a lower cost of living than many states, due in part to the number of choices for cheap insurance Oregon companies offer.
  • Because much of the state is rural, the average policy cost is only around $1,200 pear year.
  • This can get higher in urban areas like Portland or Eugene where the population density is higher (increasing the risk of traffic collision).
  • However, the urban areas also have more public transportation options, so many residents choose to commute by rail/bus in order to save money.
  • The less miles you put on your car each year, the lower your auto insurance rates.
  • Another reason for Oregon's low premiums is the lower rate of uninsured drivers.
  • In 2011 the rate was only 11% compared to the national average of 13%.
  • To the delight of 63% of drivers, Oregon is one of two states that prohibit self-service pumping.
  • Drivers are obligated to yield to pedestrians even if they are standing on the sidewalk.
  • State law makes it illegal to race on the highway, but also to "test your physical endurance" while racing (we're not sure what that means either).
  • Oregon is the top timber producer in the United States.
  • Many great companies have been founded here such as Nike, Intel and Tektronix.
  • Oregon only has one National Park which is called the Crater Lake National Park.
     

Car Insurance

    Car insurance in Oregon is mandatory and that means every driver needs it. When you use a vehicle in Oregon you must have a valid drivers license and current registration as well. Most of the time, drivers choose to carry more than just the minimum amount of car insurance. Get the cheap car insurance Oregon drivers want. When you live in a state like Oregon, you may commute miles and miles to work. In the larger cities cars may not even be useful. But for most of the state, having a car or a truck is a way of life.  

The state of Oregon requires all drivers to carry the following coverage on their insurance:

 

Bodily Injury liability:

  • up to $25,000 per person
  • up to $50,000 per accident

Property Damage liability:

  • up to $20,000 per accident
   

Additional coverage requirements:

 
  • $15,000 PIP (Personal Injury Protection), covers medical, dental, and other expenses accrued after the crash
  • Uninsured Motorist coverage, $25,000 per person/$50,000 per accident for bodily injury
  Discounts you could qualify for:  
  • Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
  • Marital discounts
  • Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
  • Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.
  • Multi-policy discounts- You may want to consider getting homeowners insurance, motorcycle insurance, car insurance, SR22 insurance and much more from the same insurance company.
  • Association discounts
  • Education discounts
  Get the insurance you deserve by talking with a broker today. Click on the link button below and attain your free quote in minutes.     Car Quote  

Motorcycle Insurance

    Having motorcycle insurance in Oregon is just as important as having car insurance. There is a minimum requirement for all riders. Most motorcycle enthusiasts realize that their hobby of riding bikes can be dangerous. But maybe your bike is more than just a hobby. Perhaps you need it for commuting to work and bought it for saving money on gas. This is a great idea! Save even more money by purchasing the cheap motorcycle insurance Oregon riders need. You will feel more protected when riding if you have it. You could qualify for discounts depending on how good of a rider you are and what kind of bike you have.   Your motorcycle insurance policy must include the following minimum coverage limits per accident:  
    • $25,000/person.
    • $50,000/crash: bodily injury to another party.
    • $20,000/crash: property damage to another party.
    • $25,000/person and $50,000 per crash of Uninsured Motorist Coverage.
 

If you want more coverage, ask your broker about this:

 
  • Collision coverage can help cover costs to you and your own bike.
  • Comprehensive coverage will cover theft and other types of damages to your bike.
  • Towing and roadside assistance are always a good idea in case you break down. You could be covered or reimbursed for this.
  • Uninsured Motorist coverage is a great idea. If you get into an accident with an uninsured rider or driver, your costs will still be covered
  • Safety Apparel- you could get your helmet and other protective gear covered.
  • Custom Parts
  • Medical Coverage- this is a must when riding a motorcycle
  • Towing- very useful for when you break down and are left stranded on the side of the road.
  • Roadside Assistance- you can use this for emergencies and even flat tires.
  When you want the very best insurance around, talk with a professional. You could have an insurance policy within minutes. Bundle your car insurance with your motorcycle insurance and save even more!     Cycle Quote  

Homeowners Insurance

    Purchasing a home is a big deal. It can also be an expensive one! You need to have the kind of insurance that will protect you from theft, liability and damages. When you make a commitment to own a house you are taking on a lot of responsibility. The best part about owning a home in Oregon is the beauty that surrounds you and the affordability. You and your family will want to have the assets in your home accounted for. This way you can replace them through insurance. Get the cheap homeowners insurance Oregon buyers want.    

How does homeowners insurance work?

 
  • When you purchase a home, home lenders require you to have a minimum amount of coverage in order to protect what they are financing.
  • Homeowners insurance is in place in case a disaster such as a fire occurs and your home is destroyed. You will need it insured to pay off the loan on the home and recover damages.
    Have these things covered with your insurance policy:  
  • Damage to your home, including permanent structures on your property—unless your policy specifically excludes the cause of the damage
  • Damage to personal property, meaning the items in your home that are not attached to the dwelling, due to causes outlined in your policy
  • Liability coverage for legal matters or accidents that occur on your property
  • Loss of use, which allows you to maintain your lifestyle at another residence while your home is being repaired without incurring additional costs
  • Limited coverage for items such as stolen jewelry—the amount of coverage varies depending upon state of residence, and you always have the option to increase this coverage.
  • Additional coverage available for more valuable items (jewelry, fur, silverware, etc.). If coverage above the limited coverage amount is required, a “rider" should be purchased. This coverage offers a broader range of perils.
  Get your free quote now by clicking on the link button below.   Home Quote  

Life Insurance

    Life insurance is a type of insurance that is hard to talk about sometimes. But it is important to discuss the financial responsibility you have towards your family. When your time comes to an, that is when life insurance comes into play. Make sure that you have a great life insurance policy put into place so that your family has less hardship when you are gone. Attain the cheap life insurance Oregon families want to grieve in peace. Your loved ones can use a life insurance policy to help pay for debts, mortgages and funeral arrangements. Talk with a financial advisor about how to use your insurance. Most people take out ten times the amount of their annual salary. This means that if you make 50 thousand dollars a year, you will need at least a half million dollar policy. Although others believe that two times the amount of your income is necessary. Talk to a broker today to get a better idea of what you might need.    

When do I need to get life insurance?

   
  • If you have anyone in your life that depends on you financially for any reason, you need cheap life insurance.
  • If you area spouse or a parent of a child, when you pass, you will leave them with all of tour financial obligations. Make sure they are in situation where your debts don’t become their burdens.
  • Sometimes business require life insurance. Maybe you are a business partner and other people rely on you, life insurance can cover costs you may owe
  • Many people think of life insurance as an investment tool. But really, it is more of a risk management tool. You want to reduce the financial risk for others after your death.
  • Sometimes life insurance can be a tax deduction, so in this way it can have investment opportunities.
  • Life insurance has a broad range of policies. You can have a very expensive policy or a very cheap life insurance policy. An average term life policy for a 35 year old in good health is around $500 a year for a million dollar benefit.
  • For whole life, you could spend more than ten times that much. So you have to weight the risk and value for you and your family.
  Life Quote    

Health Insurance

    Being healthy is a large part of living. You need to eat the right foods and get outside in the sunshine. But mostly, you need to have a really good doctor that you trust. Health insurance in the United States is mandatory and this means you must have it! Rates for health coverage are based off of your annual income. This means that people who don't make that much money can still afford health coverage. Get the cheap health insurance Oregon individuals and families need. When you have a doctor that suits you, you feel comfortable asking questions and getting well again. Put your health first by talking with a broker about your options.  

What is health insurance and how does it work?

 
  • Health insurance is an insurance that pays for all or some of a persons healthcare bills. These plans range from group health plans, individual health plans, worker's compensation, and government health plans.
  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.
  • To qualify for government healthcare, one must meet a financial criteria.
  • Health insurance is a contract between you and the health insurance company that states that they will pay a percentage of your medical bills.
  • For example they might pay 80% of your medical expenses. Some employers pay 100%. This depends on many factors.
  • Sometimes you will have a co-pay, which is an out-of-pocket expense when you visit your doctor. Depending on the event, you may also have a deductible.
  Get the quote you need today by contacting Cheap Insurance.   Health Quote  

Renters Insurance

    Even if you don't own a home in Oregon, you love your house and want to protect it. Many people rent, in fact over 40%. Especially people living in the larger cities such as Portland. Housing costs here are more expensive and so renting is a better option. You deserve to have protection from theft, liability and damages. Many times landlords don't have the proper insurance on their house. Because of this you as a tenant will need to have insurance. Get the cheap renters insurance Oregon tenants need.  

Here is what you could have covered with renters insurance:

 
  • Theft- if someone comes into your home and steals any personal property
  • Fire or lightning damage- mother nature has a way of damaging property
  • Smoke damage- a small kitchen fire can cause a lot of damage, be covered.
  • Water damage- if there is any water damage to the house you are renting it could costs thousands to repair
  • Hail or windstorm damage- Live in a place with high winds? Be prepared.
  • Damage from falling objects- If a tree falls, it can cause some serious damage.
  • Personal property- Jewelry, furs, fine art, and the excess things in your house not covered by theft.
  • Dwelling- major property coverage that protects house and attached structures.
  Renters Quote

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