Oregon has a long road in all areas. The number of drivers in this State is large, but they have lower insurance rates because of low cases of accidents. Oregon car insurance companies are very competitive in the US and the rate becomes the most affordable one.
Averagely, the car insurance companies in Oregon only charge about $1,325 per year. It is cheap compared to other States which can reach $2000 per year. If you live in Oregon and own a car, you can consider some car insurance companies below to purchase a premium plan.
The Top List of Oregon Car Insurance Companies
1. Allstate
Allstate may be one of the best insurance companies in the US and they are applicable in Oregon. They have several coverage options and benefits for the members. Thus, Allstate has an excellent level of financial stability. Paying claims is not difficult for them.
– Coverage options
Besides the road assistance that becomes the basic service they have, Allstate offers rental reimbursement coverage when your car is being repaired. They have new car replacements with some policies, accident forgiveness, ride-sharing coverage, and a classic car option.
– Discount
Enjoy some discounts with Allstate because this Oregon car insurance provides some categories such as new car discount, good student discount, safe driving club, and car assistants discount. You can get discounts upfront or annually.
– Features
The features in Allstate consist of Drivewise and Milewise. Drivewise will measure how safe you are driving. Meanwhile, Milewise will see how far you drive. Shorter distances and safe driving habits will bring you bigger discounts too.
2. USAA
USAA is the most famous Oregon car insurance company. USAA has the best rating from all members all over the USA and the process of claim from this company is fast and efficient. The premiums they offer are extra cheap, but the benefits are various.
– Coverage
The coverage that USAA offers consists of ride-share coverage, rental reimbursement, and accident forgiveness. All plans in the USAA insurance include 24/7 roadside assistance and emergency cases. You can enjoy a rental reimbursement offer as well.
– Discount
USAA has many discount categories such as driving habits, vehicle types, and membership status. New and old members can enjoy the discount as long as they fulfill the requirements. The total discount is up to 10% either at upfront or renewal payment.
– Feature
The most helpful feature of this insurance company is the online app and banking feature to help the members do their payments. They also have USAA telematics which can track the driving behavior of the drivers to measure their risk profile.
3. GEICO
GEICO is one of the best Oregon car insurance companies because they are available in many areas. When your driving habit brings you into an accident that happened outside Oregon, GEICO will help you with the claim. Their financial stability is good as well.
– Coverage
The company provides four basic plans for the members with different plans. They are liability, collision, property, and comprehensive plan. They have good benefits such as emergency road service, mechanical breakdown, rental reimbursement, and accident forgiveness.
– Discount
GEICO has three types of discounts. The first is based on the bundling package. Other ones are driver status and vehicle equipment. You can save up to 40%, especially if your car has airbags and emergency deployment.
– Features
The feature of GEICO is a mobile app and telematics program. If you have good driving habits, you can get a discount on premiums for the next payment. It applies to all members, both adults and teens. The app will detect your movement whenever you drive your car.
4. State Farms
State Farms is one of the trusted Oregon car insurance. The company is available on smaller scales in the US, including Oregon. The premium is cheaper than other companies which makes this company becomes the favorite by many. The car insurance can be purchased online.
– Coverage
The coverage ins State Farms consist of road service coverage and rideshare coverage. They are two differences in the services in State Farms for road assistance. If you rent a car for business purposes, there is car rental coverage that will maximize the benefits.
– Discount
There are multiple discounts from State Farms for all members in some categories. They are multi-vehicle, accident-free, good-driving, and good student discounts. You can save money up to 20% which is worth saving for the next payment.
– Feature
State Farms insurance has two best features. The first is Drive Safe and Save to track your driving habit. If you drive safely, you can enjoy the discount benefit for the next payment. The second is Steer Clear which is a discount only for young drivers who never engages in violations for three years.
5. Progressive
The progressive insurance company is one of the leading Oregon car insurance companies. It is known as the insurance company that has 13% market in the US and makes the most number of members. For car insurance, the member can customize their policies.
– Coverage
The coverage from Progressive Insurance includes roadside assistance, rideshare coverage, and rental car reimbursement when your car is being repaired. The cost of coverage in Progressive is affordable when it is compared to insurance from other companies.
– Discount
Some discounts are given if you have multiple policies and multiple vehicles. You can save 5-15% from total insurance. If you have histories of good driving habits, the next payment has a discount of about 10% as a reward. It is given for continuous coverage.
– Feature
Progressive has an app which is called Progressive Snapshot. This is an app that the members use to track their driving habits. If their risk profile is getting higher, the premium price will be getting higher too. This app is helpful to measure how much discount you can get later.
The list of Oregon car insurance companies above is the best choice that you can pick for your car. Car insurance in Oregon is affordable with a lot of benefits. You can enjoy many discounts for old and new members as long as you’re qualified enough.