If saving the most money is your goal, then the best way to get low-cost auto insurance rates in Portland is to compare prices at least once a year from insurance carriers that sell auto insurance in Oregon. This can be done by completing these steps.
- Read and learn about car insurance and the steps you can take to drop your rates. Many risk factors that cause rate increases such as high-risk driving behaviors and a poor credit score can be improved by improving your driving habits or financial responsibility. Later in this article we will cover the details to get better rates and earn larger discounts.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while independent agents can provide prices for a wide range of companies.
- Compare the new quotes to your existing rates to see if you can save by switching companies. If you can save some money, ensure there is no coverage lapse between policies.
- Give proper notification to your current agent or company of your intention to cancel your current auto insurance policy. Submit a completed application and payment to your new agent or company. Once coverage is bound, keep the new certificate verifying proof of insurance with your vehicle’s registration.
The most important part of this process is that you use identical deductibles and limits on every quote request and and to get quotes from as many auto insurance providers as possible. This helps ensure the most accurate price comparison and a complete rate analysis.
Shockingly, the majority of drivers have bought auto insurance from the same company for at least four years, and just under half have never compared quotes from other companies. Consumers in Portland could pocket $1,000 a year, but they mistakenly think it’s difficult to save money by comparing rate quotes.
Get cheap Jaguar XJ insurance in Portland with discounts
Insurance is not an enjoyable expense, but you may qualify for discounts that many people don’t even know exist. Some discounts apply automatically at the time of quoting, but once in a while a discount must be manually applied prior to receiving the credit.
- Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes are safer to drive so you can save 10 percent or more.
- Discount for Multiple Policies – When you have multiple policies with the same insurance company you may save nearly 15% which can help you find low cost Jaguar XJ insurance.
- Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts as compared to insureds who have frequent claims or accidents.
- Military Deployment Discount – Being deployed with a military unit may lower your premium rates slightly.
- Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class if offered at their school.
- Early Signing – A few insurance companies allow discounts for switching to them early. This discount can save up to 10%.
- Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
- Drive Less and Save – Low mileage vehicles may allow you to get substantially lower premium rates.
- Data Collection Discounts – Insureds who allow data collection to scrutinize driving patterns by installing a telematics device such as Progressive’s Snapshot might get better premium rates if they have good driving habits.
- Pay Early and Save – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
Don’t be shocked that most discount credits are not given to the entire cost. Most only cut individual premiums such as comp or med pay. Just because it seems like you could get a free insurance policy, you aren’t that lucky.
The example below compares Jaguar XJ insurance prices with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no violations or accidents, Oregon state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, marriage, and multi-policy discounts applied.
Some of the insurance companies that possibly offer some of the above discounts include:
When getting free Portland car insurance quotes, it’s a good idea to every company the best way to save money. Savings might not be offered in Portland.
Cutting your Portland auto insurance rates can be quick and easy. The only thing you need to do is invest a little time comparing free Portland car insurance quotes to discover which company has cheaper Portland car insurance quotes.
Comparison shopping rates online is easy and it takes the place of having to spend time driving to and from local Portland insurance agencies. Shopping for auto insurance online makes this unnecessary unless your situation requires the guidance of a licensed agent. Although, it is possible price shop your coverage online and get advice from an agent in your area.
The providers in the list below offer free quotes in Oregon. If your goal is to find cheap car insurance in Portland, we recommend you visit two to three different companies to find the cheapest auto insurance rates.
Rates and information analytics
The price information displayed next showcases detailed analysis of policy rates for Jaguar XJ models. Having a good understanding how insurance prices are established can benefit drivers when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XJ SWB 4-Dr Sedan | $322 | $734 | $362 | $22 | $108 | $1,548 | $129 |
| XJ LWB 4-Dr Sedan | $348 | $810 | $362 | $22 | $108 | $1,650 | $138 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in specific location which can lower or raise auto insurance rates considerably.
Can higher deductibles save money?
A question often asked by Portland drivers is how high should your deductibles be. The comparison tables below help summarize the cost difference when you select higher and lower policy deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XJ SWB 4-Dr Sedan | $374 | $712 | $320 | $18 | $96 | $1,545 | $129 |
| XJ LWB 4-Dr Sedan | $406 | $786 | $320 | $18 | $96 | $1,651 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XJ SWB 4-Dr Sedan | $232 | $448 | $320 | $18 | $96 | $1,114 | $93 |
| XJ LWB 4-Dr Sedan | $250 | $494 | $320 | $18 | $96 | $1,178 | $98 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price estimates do not factor in zip code location which can lower or raise auto insurance rates greatly.
Based on the above data, using a $250 deductible costs approximately $38 more each month or $456 every year averaged for all XJ models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 20 months between claims, you would probably save some money if you decide on a higher deductible.
The information below demonstrates how choosing different deductibles and can impact Jaguar XJ insurance costs for each different age category. The prices are based on a married female driver, full coverage, and no additional discounts are factored in.
Male drivers versus female drivers
The illustration below compares Jaguar XJ annual premium costs for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Full coverage rates compared to liability-only
The illustration below illustrates the difference between Jaguar XJ insurance rates with and without full coverage. The rate quotes are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no discounts are factored in.
When to stop buying full coverage
There is no exact rule to exclude full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s say your Jaguar XJ book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are a few cases where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Car insurance is available from your local insurance agencies
Many people prefer to have an agent’s advice and that is a smart decision Insurance agents are trained risk managers and will help you if you have claims. The biggest benefit of comparing car insurance online is you can get better rates and still choose a local agent.
Once you complete this simple form, your information is emailed to insurance agents in Portland that provide free Portland car insurance quotes for your car insurance coverage. There is no reason to leave your house since rate quotes are delivered immediately to your email address. If you want to compare rates from one company in particular, feel free to navigate to their website and submit a quote form there.
Selecting an company shouldn’t rely on just a low price. The answers to these questions are important, too.
- How are claims handled?
- Does the agency support the community they serve?
- How would your car be valued if totaled?
- Do they offer claims assistance after hours?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
Pick the best auto insurance agent in Portland for you
When researching a good Portland insurance agent, you must know there are a couple different types of agencies and how they can service your needs differently. Agencies in Portland can be described as either independent (non-exclusive) or exclusive. Both types of agents can sell affordable car insurance policies, but it is important to understand how they are different because it can impact your selection of an agent.
Exclusive Agencies
Agents of this type write business for a single company such as State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so you need to shop around if the rates are high. They receive extensive training on their products and sales techniques which helps them compete with independent agents.
The following is a short list of exclusive insurance agencies in Portland who can help you get price quote information.
Reggie Guyton – State Farm Insurance Agent
8180 N Lombard St – Portland, OR 97203 – (503) 289-3601 – View Map
Mariko Locke – State Farm Insurance Agent
5048 SE Hawthorne Blvd a – Portland, OR 97215 – (503) 232-2444 – View Map
H.Q. La – State Farm Insurance Agent
1827 NE 44th Ave #110 – Portland, OR 97213 – (503) 236-3776 – View Map
Independent Car Insurance Agencies
Agents of this type are not employed by one company so they can write business with a variety of different insurance companies and possibly get better coverage at lower prices. If you want to switch companies, the business is moved internally without you having to go to a different agency. If you are comparing car insurance prices, you definitely need to check rates from several independent insurance agents to get the best comparison.
Listed below is a short list of independent agencies in Portland who can help you get price quote information.
Ross and Associates Insurance Services, Inc.
9201 SE 91st Ave – Portland, OR 97086 – (503) 698-3833 – View Map
Peninsula Insurance
12700 NW Cornell Rd – Portland, OR 97229 – (503) 644-5333 – View Map
WelPland Insurance, SE Portland and Clackamas County
5845 SE 82nd Ave – Portland, OR 97266 – (503) 777-5406 – View Map
Once you have received good feedback to your questions and an affordable coverage quote, chances are good that you have found an insurance agency that can be relied on to provide car insurance coverage.
Best auto insurance company in Oregon
Ending up with the highest-rated car insurance company can be a challenge considering how many companies provide coverage in Oregon. The company rank data listed below may help you analyze which insurers to look at putting your business with.
Top 10 Portland Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Portland Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Auto insurance savings summarized
While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There are too many instances where an insured cut full coverage to discover at claim time they didn’t purchase enough coverage. Your goal is to get the best coverage possible at the best possible price and still be able to protect your assets.
Cheaper Jaguar XJ insurance in Portland is possible both online and also from your neighborhood Portland agents, and you should compare rates from both to have the best rate selection. Some companies may not have rate quotes online and these small insurance companies provide coverage only through independent agents.
Helpful resources
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Rates for High Risk Drivers in Portland? (FAQ)
- Who Has Affordable Car Insurance for State Employees in Portland? (FAQ)
- What Auto Insurance is Cheapest for a Kia Optima in Portland? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers with a DUI in Portland? (FAQ)
- What Insurance is Cheapest for 16 Year Olds in Portland? (FAQ)
- Who Has Affordable Portland Auto Insurance Rates for Hybrid Vehicles? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Coverage Information (Progressive Insurance)
- Top Signs Your Brakes are Giving Out (State Farm)
- Side Impact Crash Tests (iihs.org)