Eugene’s average commute time isn’t too bad!. Even along the Beltline it’s only about a 20 minutes average. However, you might be spending a lot of time in your car since there’s so much to do in this fair city! Whether your biking and running along the hundreds of trails in the area, or boating/kayaking along the McKenzie or Willamette rivers, Eugene is known for its beautiful outdoor recreations. But you need a car to get to a lot of them, so you might be in the market for one of the many options for cheap insurance Eugene can offer.
Oregon has specific auto insurance requirements, but depending on your vehicle use, you might consider additional coverage options.
An Emerald Valley Gem
Eugene, Oregon is home to the University of Oregon and the residents here are proud of that.
Known for the beauty and serenity of the Emerald Valley, Eugene is a special town with a tight knit community.
A great city for the arts and outdoors, there is plenty to do here and plenty to see.
About 50 miles off of the coast, Eugene is in a perfect location where green grass grows and ferns reach for the sky.
Many people who live here because of the abundance of outdoor activities such as bike riding, hiking and rafting.
One company that started in Eugene was Nike.
The economy of Eugene is very stable and a lot of this has to do with the University.
If you live here you probably appreciate the many parks the city has to offer.
Visit the Alton Baker Park, Hendrick’s Park or the rhododendron gardens.
You can learn a lot when you visit the University Of Oregon Museum.
Families love living here because Eugene has a laid back vibe and outdoor living style.
If you are hoping to settle down in a nice city for a while, try Eugene for everything you need in a city.
Maybe you commute into Eugene for work, or carpool the kids around to soccer games.
Either way you will want great car insurance to get you through.
If you are looking to purchase a home in the Emerald Valley, you will be happy with your choice.
Make sure you have homeowners insurance to protect your home.
Get the cheap insurance Eugene residents want today!
How Can I Attain Great Insurance In Eugene?
The best way to choose the kind of insurance you need is to talk with a broker.
They are trained professionals who can help you through this process.
A broker works for you , the consumer, and not the insurance company.
The have access to dozens of providers on their network and can find you the best deals.
You will also want to understand the laws of your state and how they differ from other states.
There are minimum requirements for some types of policies.
You can also bundle your policies together with one company and this could save you money.
When you choose to work with a professional, usually it pays off in the end.
Whether you are choosing a homeowners policy or life insurance, you could be saving more than you rare now.
Let’s see what policies you might be looking for..
Insurance Requirements Eugene
Car Insurance
Car insurance in Eugene is mandatory and this means you must have it in order to drive a car.
You will also need to have a valid drivers license and current registration whenever you operate a vehicle.
The best part about having great car insurance is feeling protected when you are out on the road.
When you purchase insurance through a broker you know you are getting a great deal because they can help you find discounts.
Bundling your car insurance with car or home insurance can save you even more.
Get the cheap car insurance Eugene drivers want to feel safe when out on the road.
Looking for car insurance can be exhausting, so get help from those who know best.
The state of Oregon requires all drivers to carry the following coverage on their insurance:
- Bodily Injury Liability: up to $25,000 per person, $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 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
Recommended Coverages:
- Additional liability: You can usually get extra liability coverage (double your limits) for just a few dollars extra per month. This can greatly increase your financial protection.
- Comprehensive: This covers your vehicle for theft (there were over 400 cars stolen in 2012), but also weather damage, vandalism, and other related claims.
- Collision Coverage: Depending on the value of your vehicle, it might make sense to “fully” insure it. Meaning, you are covering your car for damage in an accident you cause.
- Towing: If you can find a roadside assistance package, we recommend it. Many of Oregon’s companies will include it, and if you’re stuck in one of the back-country mountain roads, it could be very valuable.
Other Info About Eugene:
- The cost of living is about 10% lower than the rest of Oregon state, and 3% lower than the national average, so it’s not only beautiful, it’s pretty affordable to live here!
- Manufacturing plays a large part in the local economy, as do the healthcare and education industries.