Oregon Car Insurance: What Residents Need to Know

Oregon, a state in the Pacific Northwest region of the U.S., is one of the most strict and inflexible states in the U.S. when it comes to car insurance requirements. It is mandatory for every driver in the state to possess auto insurance. If you are caught driving in Oregon without an auto insurance policy, you may have to bear tough consequences in the form of SR-22 compliance. In the worst case, you can be suspended of your driving privileges and the local law enforcement group may even 'relocate' your vehicle to some other place.

To avoid these complications, it is better for you to opt for a cheap Oregon car insurance policy.

The Minimum Insurance Requirements for Oregon:

  1. Bodily injury and property damage liability of $25,000 per person,
  2. $50,000 per crash for bodily injury you cause to others,
  3. Personal injury protection to cover "reasonable and necessary medical and other expenses for one year after the accident" of $15,000,
  4. $10,000 per crash for anyone else's personal property that decides to get involved,
  5. Uninsured motorist coverage of $25,000 per person and $50,000 per accident

For more specific details on regarding Oregon insurance consumers may contact the Oregon Insurance Division of the Department of Consumer and Business Services in Salem at 503-947-7980 or by visiting their website at http://www.cbs.state.or.us/external/ins/index.html.

It is essential for you to be aware of the ways in which you can get cheap car insurance in Oregon. Some of the ways are:

Keep a Good Driving Record:

This is the first factor that auto insurance companies consider when offering insurance. Based on the policies of your car insurance provider, an accident can stay on your record for 3-7 years. Hence, an 'at-fault' accident can increase your insurance premiums for up to 7 years and this can cost you a considerable amount of money. Therefore, it is very important for you to maintain a good driving record. A clean driving record will surely fetch you cheap car insurance in Oregon.

Maintain Low Mileage:

Some car insurance companies in Oregon consider the mileage your car covers in a year, on average. This is because, the fewer miles you drive on the roads, the lower the chances of you getting involved in an accident. Therefore, it is advised that you use the public transportation system at least twice a weak to get to your workplace. If your car insurance company offers discounts for low mileage, you will pay cheap insurance rates.

It is advised that you choose the most appropriate insurance coverage for yourself by considering quotes of different car insurance companies in Oregon.

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