If you want to get Portland car insurance quotes, you have to consider using the free services offered by several car insurance websites, like ours. Instead of personally visiting or phoning every insurance company around Portland, you can just use the instant quote form above.
InstantCarInsuranceOnline.com is of course not the only website that offers free online quotes. There are many others that do so as well. However, since you’re here now, you might as well see what kind of deal you can get on your mandatory coverage. Better yet, if you’d like to learn a thing or two about insurance in Portland please keep reading.
Auto Insurance Agents In Portland
Portland Allstate Insurance Agents
Allstate has many local car insurance agents in the greater Portland area. Their website lists 40 agents in the city itself and more in places such as Vancouver, Camas, Beaverton and Tigard.
Portland Farmers Insurance Agents
Farmers Insurance really focuses on local agents on the ground, which is why they have over 50 agents in Portland itself.
Portland Geico Insurance Agents
Geico takes the oposite approach of companies like Farmers and State Farm focusing instead on phone and internet auto insurance sales. That is why their closest agent to Portland can be found in the neighboring community of Beaverton.
Portland Progressive Insurance Agents
Progressive is moving to become more like Geico all the time. Currently, they don’t have any of their own insurance agents in Portland, but they do have relationships with 5 insurance agencies authorized to sell their policies.
Portland State Farm Insurance Agents
State Farm is another company focused on using local agents to sell insurance policies. They also have over 50 agents in the greater Portland area, meaning there are likely several close to you.
Your insurance agency not listed? If you own an insurance agency that operates in Portland and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Average Portland Car Insurance Rates
Oregon itself is a rather cheap state when it comes to auto insurance. The state is consistently found to be below the national average for car insurance rates. Unfortunately, bigger cities tend to be more expensive and Portland is no exception. According to CarInsurance.com, average Portland car insurance rates are $1,518 per year. This is about 30% higher than the Oregon average and about $50 a year more than the US average.
Therefore, if you don’t want to get stuck paying high premiums for as long as you own your car, make sure to get some free car insurance quotes along the way.
Driving In Beautiful Portland
If you live in Portland, I’m sure you already know what I’m about to say next; traffic in the city is terrible. According to the INRIX National Traffic Scorecard, the city is the 20th most congested in the country. The I-5 in Portland was ranked as the 21st worst congested section of highway in the whole country.
What’s worse, is that it seems the city’s traffic problem may be deteriorating as time goes on. According to the Allstate America’s Best Drivers Report™, the city was ranked number 128 on the list of best cities to drive in. A fall of 15 places over 2010. On average, a Portland driver can expect to get in an accident once every 8.5 years, 18% more frequent than the US national average.
The National Highway Traffic Safety Administration confirms that Portland is not the safest place to drive. Multnomah County had the highest number of fatalities in Oregon, with Clackamas County ranked number 3 and Washington County ranked number 6. Therefore, given these accident statistics, please be extra careful when you drive in Portland.
Car Insurance Laws In Oregon
The main thing to know about Oregon’s auto insurance laws are that they are based on modified comparative negligence. This just means those who cause accidents are responsible for paying the resulting costs in proportion to their degree of fault. As long as you follow the rules of the road and don’t cause an accident you shouldn’t have to worry about this.
Nevertheless, even the best drivers can get in to accidents. That is why the state of Oregon has certain basic required coverages when it comes to auto insurance. They are as follows:
- Bodily injury liability of $25,000 per person;
- Bodily injury liability of $50,000 per crash;
- Property damage liability of $20,000 per crash;
- Personal Injury Protection (PIP) coverage of $15,000;
- Uninsured/Underinsured Bodily Injury Motorist Coverage of $25,000 per person;
- Uninsured/Underinsured Bodily Injury Motorist Coverage of $50,000 per crash.
You can learn more about what your auto insurance requirements are, along with more about Oregon’s rules and laws from either your licensed Portland insurance agent (see links above) or from the Division of Insurance (see link below).
Finding Just The Right Portland Car Insurance Quote
As long as you are prepared to answer the questions that most insurance companies ask, you will not have problems getting an accurate estimate of how much your car insurance will cost when you get a quote online.
Visit Insurance Websites
The first step in getting online insurance quotes is to visit the websites of some of the most reputable insurance companies in Portland. View their legal disclaimer, and find out more about the terms and conditions that they usually implement for their car insurance policies. Choose user-friendly websites that can help you compare car insurance policies from various insurance agencies and companies.
Choose The Coverage You Want
Before looking for a Portland, OR car insurance policy, you have to decide on the amount of coverage you want to receive. You may also want to review your current car insurance to find out more about the coverage and deductibles that you want to retain. Insurance coverage estimators are also available on some websites, so you can use them to assess how much coverage and what limits will suit your financial situation. Just remember you can’t buy less than the minimum coverage outlined above.
Provide All Necessary Information
If you want to get a realistic estimate of how much your insurance rate will cost, you have to disclose basic information on the website you chose to visit. You will be required to give them your name, address, and telephone number. The make, year, and type of your car are also important in identifying what your instant insurance quotes will be. Some car insurance comparison websites will also require you to share a few details about your traffic violations or other criminal offenses.
After getting several insurance quotes from various websites, you can then decide what kind of insurance policy will best suit your needs. Finding the perfect Portland car insurance policy is easy, if you are able to compare the features of various car insurance policies on the market. Begin your search now: