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.
