Cheap Insurance Salem

Cheap Car Insurance Salem

Salem lies at the heart of Oregon’s second-largest metro area, which includes the counties of Marion and Polk. As the capital, Salem’s largest employer is the state government, followed by the school district and the agricultural processing industry. The main thoroughfare connecting it and Portland is I-5 which, depending on the time of day can see a lot of traffic. Residents in the northeast part of the city see the longest commute times (but it’s only an average of 24 minutes). For drivers, there are many options for cheap insurance Salem agents have available.

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.

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