Car Insurance Quotes Oregon
When you need car insurance quotes in Oregon, get in touch with Schmidt Insurance Group, one of the best insurance companies in the Pacific Northwest. We will help you find the right amount of coverage to fit your needs and your budget.
Schmidt Insurance Group opened its doors in Lake Oswego in 2019 with a goal of making insurance easy while providing exceptional customer service. We proudly serve the local Portland area as well as the states of Oregon and Washington. Our office is full of born-and-raised Oregonians!
Five Factors That Influence Rates
Having auto insurance is required by law in most states, including Oregon and Washington. We can provide coverage for virtually any driver, including young and high-risk drivers. However, you should know the five factors that influence rates:
- Your Age: You may be an excellent driver, but statistics show that younger, inexperienced drivers are involved in more accidents than older drivers. This is particularly true for people under age 20 and explains why car insurance premiums can be quite high for newly licensed drivers. But don’t feel offended! The accident risk increases again, and premiums rise, for folks in their 70s and 80s.
- Your Profession: Believe it or not, what you do for a living can affect your auto insurance premium. For example, delivery people and journalists are on the road constantly and are more likely to be in an accident, while airline pilots often just drive from the airport to home and spend little time on the road.
- Where You Live & Park Your Car: Where you live can also impact the cost of your car insurance premium, even in different parts of the same city! More densely populated neighborhoods with more cars mean you are at a higher risk of accidents, theft, and collisions with injuries. As for parking, leaving your car on the street overnight can result in higher premiums than parking in a driveway or garage. Drivers can sometimes lower their premiums by having an alarm installed on the car.
- Mileage: If you have a long commute to work, you may pay more for insurance than someone who only uses their vehicle to run errands on weekends. More mileage means more exposure to risk because you are on the road longer and statistically more likely to have an accident.
- The Vehicle Itself: The car you drive can significantly affect your rate, since some cars are more likely to be stolen, lack safety features that prevent accidents, or are more costly to repair. Larger cars are generally safer than smaller cars in an accident. Owning a car with a high safety rating means there is less chance of the insurance company having to pay for you or your passengers’ medical bills. Factors like these often result in lower rates.
If you are looking for the best car insurance quotes in Oregon, get the help you need from the experts at Schmidt Insurance Group. Call us today at (503) 506-4554 for more information or stop in to say hello!
