Written by jdlash on January 5, 2011 – 2:25 pm
The state of Oregon has a population of approximately 3.8 million and more then likely every driver looking to save on auto insurance can save with shop4insurance.org! We would love the opportunity to help you save on insurance, or just find the information your looking for with our site. Here is some general information in regards to auto insurance in Oregon.
Oregon’s State Minimum Requirement
First off, every driver must carry car insurance. The minimum limits are $25,000 bodily injury liability per person, $50,000 per crash total and at least $20,000 worth of property damage coverage. Oregon also requires you to carry at least $15,000 of Personal Injury Protection to cover necessary medical expenses incurred from an accident. Oregon is different than a lot of states due to also mandating a minimum coverage for uninsured motorist with the total of $25,000 per person and $50,000 per crash.
So what happens if I drive without insurance?
You must show proof of insurance if your stopped and also every year you register your vehicle. If you get caught driving without insurance your going to be paying some fines and also possibly lose your license for a little time. It isn’t worth driving around without Oregon car insurance. At least get the minimum Oregon car insurance requirements so that your legal. Oregon’s DMV actually does random audits to make sure you have the proper coverage. If they request you to prove you have coverage and you don’t respond to them, you will have your license suspended.
What can I do to save on Oregon car insurance?
- Check on car insurance rates before purchasing a vehicle. Some vehicles cost a lot more then
others to insure and finding out what your rate is going to be before you purchase the vehicle is a good idea. - Drive within the speed limits. Drivers in the state of Oregon without speeding tickets and other traffic infractions are going to save more then the drivers with bad driving records.
- Shop around. The more quotes you get the better off your going to be. Not every insurance company has the same rates, so find the one that is the best price for you by shopping online here.
- Don’t file unnecessary claims. Filing claims every time you get a small dent on your vehicle will cause you to have extremely high rates. Paying for the small stuff out of pocket is usually the best way to get better Oregon auto insurance rates.
Hopefully this is the information that you were looking for in regards to Oregon car insurance. If not, you should either call a licensed insurance agent, or check with the Oregon department of insurance to get more in depth information. We would love to help you get quotes online and it only takes 5 minutes to see how much you can save!
