How long has it been since you compared low-cost Ford Thunderbird insurance in Portland? Vehicle owners not familiar with comparing insurance coverage quotes on the web will discover locating affordable Ford Thunderbird insurance rates in Portland is quite challenging.
Statistics show that nearly 70% of consumers have purchased from the same company for at least the last four years, and 38% of customers have never quoted rates to find cheap coverage. U.S. drivers could save 47% every year just by getting comparison quotes, but they don’t know how much savings they would realize if they switched to a cheaper policy.
Choosing the best rates in Portland is easy if you know what you’re doing. Practically every vehicle owner who buys insurance should be able to lower their premiums. Although Oregon vehicle owners need to have an understanding of the way companies calculate their prices and apply this information to your search.
Companies offering Ford Thunderbird insurance in Oregon
The companies shown below offer price quotes in Oregon. To get cheap auto insurance in Portland, it’s highly recommended you get prices from several of them to get the best price comparison.
Why Your Insurance Rates might be higher
When buying insurance it’s important to understand the rating factors that help determine the level of your policy premiums. If you have some idea of what influences your rates, this enables informed choices that can earn you lower rates. Many factors are considered when you get a price on insurance. Some factors are common sense like an MVR report, but others are less apparent such as your marital status or how safe your car is.
No claims equals cheap premiums – If you are the type of insured that files lots of claims you can look forward to increased rates or even have your policy non-renewed. Companies in Oregon provide cheaper rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
Rate your vehicle for proper use – The higher the mileage driven annually the more it will cost to insure it. Most insurance companies apply a rate based on their usage. Autos not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Verify your policy shows the correct usage, because improper ratings can cost you money. Improper usage on your Thunderbird can cost quite a bit.
Cheaper prices with safer cars – Vehicles with high crash test scores get lower rates. Safer cars reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less and thus lower rates.
Extra policy coverages you don’t use – There are a lot of extra coverages that sound like a good idea at the time if you don’t pay attention. Coverage for things like roadside assistance, death and dismemberment, and motor club memberships are examples of these. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate them to save money.
Improve your credit score – Having a good credit score is a big factor in determining premium rates. Insureds that have good credit tend to be less risk to insure than those with poor credit scores. Therefore, if your credit history is low, you could be paying less to insure your Ford Thunderbird by improving your credit score.
Liability – Liability insurance will provide protection if ever you are ruled to be at fault for damages caused by your negligence. Liability insurance provides legal defense to defend your case. Liability insurance is quite affordable compared to comp and collision, so drivers should carry high limits.
Lower-cost Portland car insurance rates with discounts
Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts that you may not even be aware of. Some discounts will apply at quote time, but occasionally some discounts must be requested specifically in order for you to get them. If you check and find you aren’t receiving every discount you deserve, you are just wasting money.
- Multi-line Discount – If the company offers life insurance, you could get a lower car insurance rate if you buy a life policy as well.
- Accident-Free Discounts – Portland drivers who stay claim-free pay much less when compared with drivers with a long claim history.
- Senior Citizens – Drivers over the age of 55 may be able to get a small discount on rates.
- Multi-policy Discount – If you insure your home and vehicles with one insurance company you could save at least 10% off all policies.
- Savings for New Vehicles – Putting insurance coverage on a new Thunderbird can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
- Waiver for an Accident – This isn’t a discount exactly, but some companies like Allstate, State Farm and GEICO will let one accident slide before your rates go up with the catch being you have to be claim-free for a specific time period.
- Sign Online – Certain larger companies will give a small break simply for signing on the web.
- Theft Deterrent System – Cars with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
- Defensive Driver Discount – Taking part in a driver safety class could possibly earn you a 5% discount depending on where you live.
You can save money using discounts, but most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, car insurance companies aren’t that generous.
To view insurance companies with discount car insurance rates in Portland, click here.
Local insurance agents
Many drivers would rather buy from a licensed agent and that is a personal choice. A good thing about price shopping on the web is that you can obtain cheap insurance rates and still choose a local agent.
For easy comparison, once you complete this simple form, your insurance data gets sent to insurance agents in Portland who will give you bids and help you find cheaper coverage. There is no need to search for any insurance agencies since price quotes are sent to you directly. You’ll get the best rates and a licensed agent to talk to. In the event you want to get a comparison quote from a specific insurance company, feel free to visit that company’s website and give them your coverage information.
Choosing the best company is decision based upon more than just a cheap quote. The answers to these questions are important, too.
- How often do they review policy coverages?
- Do you need full coverage on every vehicle?
- Is the coverage adequate for your vehicle?
- How long have they been in business?
- Are they actively involved in the community?
- Is there any savings for paying the full premium?
- Does the company have a solid financial rating?
When looking for a reliable insurance agency, it’s helpful to know the types of insurance agents from which to choose. Portland agents are classified as either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
These type of agents are contracted to one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare other company’s rates so they are skilled at selling on more than just price. Exclusive agents are trained well on what they offer which helps overcome the inability to quote other rates. A lot of people choose to use a exclusive agent partially due to the prominence of the brand rather than low rates.
The following are exclusive agencies in Portland that can give you rate quotes.
- Chad Humphrey – State Farm Insurance Agent
15160 NW Laidlaw Rd #210 – Portland, OR 97229 – (503) 992-6251 – View Map - Allstate Insurance: Dick Hannah Insurance Agency
12345 E Burnside St – Portland, OR 97233 – (360) 816-8439 – View Map - Steve Ching – State Farm Insurance Agent
1018 NW 13th Ave – Portland, OR 97209 – (503) 222-7771 – View Map
Independent Agencies or Brokers
Agents in the independent channel are not employed by any specific company and that allows them to write policies with any number of different companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier and that require little work on your part. If you are trying to find cheaper rates, it’s a good idea to get quotes from a few independent agents to maximize your price options. They often place coverage with lesser-known insurance companies that can offer cheaper rates than bigger companies.
Below are independent agencies in Portland that can give you price quote information.
- WelPland Insurance, SE Portland and Clackamas County
5845 SE 82nd Ave – Portland, OR 97266 – (503) 777-5406 – View Map - Metro One Insurance Agency
3423 S Telegraph Rd, Dearborn, MI 48124 – Dearborn, OR 48124 – (313) 456-9455 – View Map - Fox Insurance Agency
1819 SW 5th Ave – Portland, OR 97201 – (503) 277-2300 – View Map
Once you have received good feedback to all your questions and locked in a price quote, you have narrowed it down to an auto insurance agent that is a good match to adequately provide insurance. It’s important to know that once you purchase a policy you can terminate coverage whenever you wish so don’t feel that you’re stuck with a specific company indefinitely.
How to find a good Portland auto insurance company
Finding a high-quality insurer can be challenging considering how many different companies insure vehicles in Portland. The company information shown below may help you select which insurers to look at purchasing a policy from.
Top 10 Portland Car Insurance Companies Ranked by Customer Service
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- Nationwide
When do I need an agent’s advice?
When it comes to insurance from an agent or online for your personal vehicles, there really is no one-size-fits-all type of policy. Your financial needs are unique and a cookie cutter policy won’t apply.
For instance, these questions could help you determine if your situation would benefit from professional advice.
- Can my teen drive my company car?
- Can I get by with minimal medical coverage if I have good health insurance?
- How can I get the company to pay a claim?
- When should my teen driver be added to my policy?
- Can I rate high risk drivers on liability-only vehicles?
- Should I rate my Ford Thunderbird as pleasure use or commute?
- Do I need to file an SR-22 for a DUI in Oregon?
If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.
Insurance savings summarized
We just presented some good ideas how to compare Ford Thunderbird insurance car insurance rates in Portland. The key thing to remember is the more companies you get premium rates for, the better your chances of lowering your premium rates. Drivers may even discover the best car insurance rates are with a small local company. They can often provide lower premium rates in certain areas compared to the large companies like State Farm or Progressive.
When getting Portland auto insurance quotes online, do not buy less coverage just to save a little money. In too many instances, drivers have reduced uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. The proper strategy is to find the BEST coverage at the best possible price, but don’t skip important coverages to save money.
How to find cheaper quotes for Ford Thunderbird insurance in Portland
The preferred way to find affordable quotes for car insurance rates is to compare prices annually from providers who can sell car insurance in Portland. Prices can be compared by following these steps.
First, get an understanding of car insurance and the changes you can make to prevent high rates. Many policy risk factors that are responsible for high rates like multiple speeding tickets and an unacceptable credit rating can be controlled by making small lifestyle or driving habit changes.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple insurance companies.
Third, compare the new rates to your existing coverage to determine if you can save on Thunderbird insurance. If you find better rates, make sure coverage is continuous and does not lapse.
Fourth, notify your current company of your decision to cancel the current policy. Submit a down payment along with a signed application to the newly selected company. Once coverage is bound, keep the new proof of insurance certificate with your vehicle’s registration.
One thing to remember is to try to compare similar deductibles and liability limits on each price quote and and to get price quotes from as many companies as feasibly possible. Doing this provides a level playing field and a thorough selection of prices.
More detailed insurance information is available in these articles:
- Get the Right Protection (InsureUonline.org)
- Who Has the Cheapest Car Insurance for Drivers with Bad Credit in Portland? (FAQ)
- State Car Insurance Guides (GEICO)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)