How to Get Cheap Portland Car Insurance

By Elizabeth Newberry

Cheap Portland car insurance is easy to get when you purchase only the minimum liability auto insurance requirements in Oregon. When it comes to minimum car insurance requirements, Oregon leaves very little out. Portland drivers must have person bodily injury, property damage liability, a “per crash” bodily injury, a “per crash” property damage, personal injury protection (to cover the cost of any medical treatment to the injured party up to one year after the accident), and uninsured motorist coverage.

With so much Portland car insurance, you may feel you don’t need full-coverage auto insurance in Oregon.

The minimum required Portland car insurance amounts are as follows:

• $10,000 per crash for property damage
• $15,000 personal injury protection
• $25,000 per person bodily injury and property damage liability
• $50,000 per crash for bodily injury to others
• $25,000 per person and $50,000 per crash for bodily injury of Oregon uninsured motorist coverage

Of course, not all Oregon drivers can get cheap Portland car insurance by purchasing the minimum liability auto insurance requirements. Why? Not all drivers are eligible to purchase only the minimum requirements. Sometimes lenders and/or Oregon car insurance companies require drivers with cars they don’t own outright to purchase full-coverage auto insurance. Perhaps a driver has had his or her license suspended or revoked and has been ordered by the courts to purchase more than the minimum liability auto insurance requirements in Oregon.

Whatever the reason, these Oregon drivers must find other ways to get cheap Portland car insurance. Satisfying the orders of the courts, as well as working to repair the driving record, is one way to lower the cost of auto insurance; so is purchasing a car with – or adding – safety features. You can also take safety precautions such as parking your car in well-lit areas such as private parking lots to further protect your vehicle and lower your Portland car insurance premiums.

For free quotes and a lot of information about insurance please visit the following recommended sites.

How to Get Cheap Portland Car Insurance
Our Recommended Site for Easy Affordable Car Insurance
How to Get Low Rate Full Coverage Car Insurance Fast & Online

Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry

The Latest Way to Pay Your Auto Insurance – Through Payroll Deduction!

By Levi Quinn

Most workers in the United States have many different bills automatically deducted from their paychecks. Health, dental and life insurance are the most common payroll deductions. Depending on your personal circumstances a number of other items may also be deducted, from child support to certain loan repayments. Many Americans are unaware, however, that in some cases auto insurance may also be paid through payroll deduction.

Payroll deduction of automobile insurance premiums is relatively new and is not offered by all insurers. Payroll deduction is most commonly available to employees who purchase employer-sponsored insurance. This method is becoming a trend however, making it now possible to find private auto insurance that may be paid via payroll deduction.

Payroll deduction offers a number of advantages over traditional billing methods. Busy families often have trouble keeping up with their bills whether due to a lack of funds or simply a lack of time. Utilizing payroll deduction for your auto insurance ensures that the monthly payment will never be forgotten. Many people also like that the money is deducted before it is ever in their bank account, making it easier to part with the funds.

Payroll deduction is not for everyone. This method works best for those who have stable and consistent paychecks. The premium will be the same each month and is usually deducted all in one payment. If your paychecks are unsteady from week to week, you may find that it is difficult to make ends meet during the week that your premium is deducted.

It is important to gather information prior to enrolling in payroll deduction. What happens if your paycheck is not enough one week to cover the payment? Most insurers will resubmit the deduction the next week then send a bill to your home if it does not go through the second time. This is not mandated however, and the company could theoretically decide to cancel your policy for nonpayment. Make sure you understand the company’s policy. Also find out the process of canceling payroll deduction in the event that you change jobs.

Payroll deduction works well for customers whose paychecks are stable from week to week. The process is simple and easy as well as safe. It may be difficult to find an insurer who offers this option but if you can, payroll deduction could be your best choice. Use caution if your paychecks vary widely however, as it may be difficult to meet the payments by this method.

Shop for the best rates on local car insurance, such as Boston Auto Insurance, at http://www.AutoInsuranceRatesDirect.com.

Article Source: http://EzineArticles.com/?expert=Levi_Quinn

What To Consider When Getting Car Insurance While Traveling Overseas?

By E K Gann

Planning to go on a vacation? Making a long business trip overseas?

While traveling abroad on business or on holiday it is always a good practice to be covered with Travel insurance. However, travel insurance is usually confined to health insurance coverage only. If you plan to drive a car on your travel abroad, you will need to consider car insurance.

In some countries it is not necessary to have car insurance. Nevertheless, it is still recommended. You will need an international driver's license before you can rent a car or get insurance on it.

Check your existing car insurance policy for the coverage if you are a frequent flyer to other countries. Ask your insurance company if they can include exactly what you want in your existing policy. This is one of the best ways to get insured.

It is good to contact your credit card companies to See if you qualify for insurance for driving abroad. Some credit cards company like American Express and MasterCard cover you for car insurance when you are traveling abroad and driving a rented vehicle you charged on your credit card. Check if there is a fee involved and shop for rates with all your credit cards you have.

Adding car insurance for driving in a foreign country while buying your travel insurance. Check the difference in the premium and compare it with the fees you would pay if you got all your insurance needs through your credit card.

If renting a car from a rental car agency, check if the rental of the car includes car insurance if not buy a temporary car insurance from the rental car agency. Choose the option of getting insurance from the car rental company if you do not have the requisite coverage in your existing car insurance policy. With a well-known company, you will most likely be assured of better services and better car insurance coverage. This may be the most economical method, depending on the number of days you plan to rent the vehicle, and usually the easiest and most cost-effective method.

If you plan to use car of your friends, colleagues or company; ask if have car insurance coverage. It is likely that their insurance policy may cover protections for anyone driving their car. It is better to be safe than sorry later.

E K Gann is an independent writer and marketer online. Ther are more ways to save money on car insurance. If you found this article useful you can learn a lot more about car insurance tips and resources by visiting http://at-car-insurance.com

Article Source: http://EzineArticles.com/?expert=E_K_Gann

Auto Insurance - Tips To Reduce Rates

By David Hunter

While auto insurance is the thing that almost every car owner has to deal with, not anyone wants to take the trouble of seeking affordable auto insurance quotes. However, no one would refuse if they were offered a good deal. It is just about the time people whish to spend on the quest for a better deal. Time is precious and here are the tips that will allow you to get a cheap auto insurance without wasting your precious time resources.

Before the Internet emerged in our lives, it was a rather difficult task to compare available quotes from different companies. People had to spend long hours on the phone to get a piece of a valuable information. Now, with the Internet, everything is much easier. You can switch on your computer and get quotes from several companies within a few minutes. Lots of insurance companies and agencies have their websites online and with the help of special forms you can request available auto insurance quotes. The vast majority of companies provide this service with no charge.

There are some other legitimate ways to decrease insurance rates. Insurance companies would greatly appreciate if you gave them as much detailed information about yourself as possible. Your marital status as well as vehicle’s safety features may have an impact on the insurance rate you’ll be offered. Uncertainty costs more then transparency. Insurance companies will offer you more affordable rates if they know about you everything they need.

Manipulating deductibles is another way to influence on your insurance premiums. High deductibles will allow you to get lower insurance premiums. For instance, if you raise your deductible for a couple of hundreds of dollars you’ll get a reduction of a hundred dollars. But you should be ready to take the financial burden in case an accident happens.

By installing anti-theft alarm systems on your vehicle not only you reduce the chances of your car being stolen but also lower your insurance premiums. Insurance companies consider such cars less risky, which means they are potentially less expensive for insurers. As a result your insurer may reduce your insurance premiums.

Most of auto insurance policies include coverage for medical costs. This is a reasonable option unless you already have a health insurance policy that covers you in case you are injured. And if this is the case you may consider excluding medical costs coverage from your auto insurance policy.

While you are in chase of lower insurance rates, don’t forget to check the credibility history of the company you’re going to deal with. Established insurers with a long history should be your primary targets. And find out whether the company you’ve chosen has a license to operate in your state, otherwise there is no reason for you in such a company.

Find out more about auto insurance on Wawanesa Insurance or you can visit Sheilas Wheels Insurance.

David Hunter writes articles about auto insurance and owns several web sites dedicated to insurance business.

Article Source: http://EzineArticles.com/?expert=David_Hunter

How to Buy Cheap Auto Insurance Online and Save A Bundle

How to Get the Cheapest Car Insurance Quote

By Brian Stevens

Looking to get the cheapest car insurance quote you can? Here's a step-by-step guide that will show you how.

Go Shopping

Rates for the same insurance coverage can vary from one insurance company to another by as much as $1,000, so the first thing you need to do to get the cheapest car insurance quote is go to an online insurance comparison site. There you can get quotes from various companies so you can compare them and get the cheapest rate. One of the best comparison sites is listed below.

Get Discounts

In order to get rate quotes from one of these sites you'll be asked to fill out a questionnaire where you can list the types of coverages and discounts you want.

Here's a list of the biggest money-savers:

1.You can save 10% to 15% on your insurance premium by increasing your deductible from $100 to $500. You'll save 25% to 30% by increasing it to $1,000.

2. If you have two cars you can save 10% to 15% by insuring them with the same company.

3. If you have an older car that's not worth a lot you can save 15% to 30% by eliminating collision and comprehensive coverage.

Other money-savers include:

- Eliminating medical coverage if you already have medical insurance.

- Requesting discounts for security and safety devices such as anti-theft devices, car alarms, and air bags.

- Eliminating towing and car rental coverages if you already have them or don't want them.

Check Companies

The cheapest car insurance may not be cheap at all if your insurance company refuses to pay a claim. So before you buy your insurance, I recommend going to epinions.com to see what actual customers have to say about the various companies and what their claims experience has been.

Visit http://www.LowerRateQuotes.com or click on the following link for free car insurance quotes from A-rated companies to get the cheapest car insurance quote. You can get more insurance tips by checking out their "Articles" section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on how to get the cheapest car insurance quote.

Article Source: http://EzineArticles.com/?expert=Brian_Stevens

How to Buy Cheap Auto Insurance Online and Save A Bundle