The Cherry City
Salem, Oregon has a very convoluted history and has a rich culture attached to it.
Stretching along the Willamette River in the Willamette Valley, it has a rural presence while being a city of around 160 thousand residents.
Salem is also Oregon’s state capitol and head of government for the state.
The capitol building itself is set among the grass and flowers which give it a vibrant appeal.
When you live in Salem you know you are living somewhere special .
The weather can be a bit gloomy at times, but this keeps it green for most of the year and makes for a scenic view almost every day.
There are a few colleges that reside here as well making education a focus of thetown.
The Willamette University, Corban University and Chemeketa Community College are all residents of this great city.
Walk around the quaint downtown and see how historical this city actually is.
Get a great beer and burger, and settle into this American town of the west.
There are many 19th century homes along with a Victorian mill which are all beautiful and give character to the city.
Visit the Bush House Museum which is a large mansion built in the late 1800’s.
If you are a commuter in Salem or commute into the city from outside suburbia, note that you will want car insurance.
Maybe you have plans to settle down here and purchase a home.
You will want great homeowners insurance to protect your assets.
Get the cheap insurance Salem residents want and need now.
How Can I Attain Great Insurance In Salem?
The best way to get the cheap and awesome coverage you are looking for is to talk with a broker.
Get a quote for the kind of insurance you want and need by talking to someone who knows what they are doing?
A broker is a professional who can tap into their vast network of providers and find one just for you.
You will also want to become familiar with the laws of your state because every state is different.
Bundling your insurance policies with one company could help you shed dollars off of your monthly bill.
Remember that raising your deductible will usually decrease your premium.
Getting a great deal on insurance doesn’t have to take up much of your time.
Call and get your instant free quote.
Whether you are shopping for homeowners insurance or car insurance or life insurance, you deserve the best deals.
Let’s see what kind of policies you might be looking for..
Insurance Requirements Salem
Car Insurance
Car insurance is a must when you live in Salem.
Whether you are a commuter or just drive every once in a while, you need to be insured.
You will also need a valid drivers license and current registration on you when driving.
State laws in Oregon make it so that you are as safe as possible when driving in this great state.
When you are ready to purchase a great insurance policy for your car, talk with a broker who can get you great deals.
When you have a loan out on a vehicle or lease one, you will need to have full coverage.
Get the cheap car insurance Salem drivers need to feel safe on the road.
When you bundle car insurance with another insurance policy, you save.
- 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.
- What is your age and the age of your drivers? Did you know that the younger the driver the more the policy?
- Teenagers are four times more likely to get into an auto accident. Because of this, insurance policies for younger people can be much more.
- There are insurance policies for risky drivers as well. You may pay more for your insurance policy if you are a “high-risk” driver.
- Having multiple tickets, or a DUI, you may be unable to attain the lowest insurance policy. However, Cheap Insurance can make sure you are still covered with the insurance that is required.
- Do you have a salvage title on your car? Insurance policies may be more because of this and some companies will not insure you. We can find those companies that will.
- Are you a low-income or high-risk driver?
- Do you have a California state drivers license? You cannot obtain insurance without this.
Facts that affect your rates:
- Local Crime Rates: There was a big spike in auto thefts in 2012 and the most recent data isn’t available from the FBI yet, so rates for comprehensive coverage will remain higher until it is shown that thefts have dropped off. You can help defray the cost of comprehensive coverage by making sure you have an alarm or tracking device installed in your vehicle.
- Population Density: The zip codes with the highest population density are 97303 and 97302, so you can expect slightly higher rates for liability there.
- Public Transportation: There are a few options for commuters who want to leave their cars at home, but they aren’t as widely used outside of the city center. Still, if you can use them to get to work each day, do so. Putting less miles on your car each year is a great way to lower your insurance rates.
- Traffic: While there are only around 140,000 drivers on the road during peak hours per day, each commuter spends an average of 27 hours a year in traffic. This can increase the risk of traffic collision, so be careful you don’t get any claims that could raise your insurance premiums.
