Author: Angela Farnsworth

Most people really can't afford to pay any more for car
insurance than they absolutely have to. After all I don't know
anyone who likes paying their monthly car insurance premium.

However, pay it we must if we want to drive our cars on public
roads legally and morally. But that doesn't mean there aren't
steps you can take to lowering those monthly payments – some may
even be ideas you were not familiar with.

For example, if you have excellent credit talk to your
insurance agent about getting a discount on your auto insurance.
Most people don't know it, but your overall credit score can
affect your car insurance rates.

And while we're at it, when was the last time you simply asked
your car insurance company for a list of all their discounts.
You could be surprised at some of the little-used discounts that
could lower your bill.

For example, are you a member of an organization such as AAA or
an employee of a large company? Often insurance companies
provide group members with a break on their insurance rates.

If you are a student you already know how high car insurance
rates can be in Oregon, but did you also know that if you
maintain good grades many companies offer a Good Student
Discount?

If you combine your homeowners and life insurance and your car
insurance all with the same company you'll probably be entitled
to a multi-policy discount.

If your car has any type of anti-theft device or if you have an
anti-theft device installed on your own, check with your
insurance company – almost all of them provide a break for
anti-theft devices on cars.

If you own an older car that has little or no Blue Book value
then it probably doesn't make a lot of sense to carry
Comprehensive insurance. This is the insurance that pays for you
car if there is an accident, and if you car has little or no
Blue Book value then your insurance company is not going to pay
you much – if anything – anyway.

One of the simplest things many drivers looking for the best
rates on car insurance in Oregon do is to increase the
deductible on their vehicle. Your deductible is the cash you pay
out of your own pocket when you have an accident before your
insurance begins to pay. By increasing the deductible on your
car from $200 to $1,000 you can cut your monthly premium by as
much as 50% in some cases.

Whatever you do, you need to shop a variety of companies and
compare prices, because prices for the exact same car insurance
can vary by many hundreds of dollars per year depending on the
company you buy your policy from.

Today there are literally dozens of sites on the internet which
allow you to compare auto insurance with the click of a button
and find the best rates on car insurance in Oregon in no time at
all.

About The Author: Recommended sites for low rate insurance
http://www.ezquoteguide.com/car-oregon.shtml Cheapest Auto
Insurance Quotes in Oregon
http://www.myquoteguide.com/Multi-Line.shtml Fast Auto and Home Quotes