#Automobile #insurance #oregon
Online Auto Insurance
According to the Consumer Guide to Oregon Automobile Insurance, premiums vary widely among companies doing business in OR; therefore, it is very important to compare multiple quotes in order to find a cheap rate.
With the use of the Internet, comparing rates can be done quickly and efficiently. When looking to obtain cheap OR car insurance there are a few factors that carriers take into consideration when considering an applicant; they are as follows:
- driving record
- vehicle year, make and model
- prior coverage
- credit history
There are a number of states that do not allow providers to raise premiums based on a consumer s credit report and Oregon is one of them. Though they can decline an applicant because of credit reporting, carriers must get consent before running a check and prove that the declining of a policy is a result that the report can predict the chance of future claims.
Buy Oregon Car Insurance Online
There are many ways to acquire automobile policies, but as of recent years the internet has become an easy and convenient method to satisfy coverage needs. More and more consumers are choosing to buy auto insurance online due to the ease and effectiveness.
Oregon Auto Insurance Law
The state s insurance requirements make it mandatory for all drivers to carry, as a minimum, the following auto insurance coverage:
- Bodily Injury (BI) – $25,000 per person; $50,000 per accident for bodily injuries to others
- Property Damage (PD) – $20,000 per crash for damage to the property of others
- Personal Injury Protection (PIP) – $15,000 per person
- Uninsured Motorist Coverage – $25,000 per person; $50,000 per accident for bodily injury
Proof of financial responsibility must be shown any time one needs to register a vehicle. According to Oregon auto insurance laws motorists caught driving without a policy in place it could result in fines, suspension of driving privileges and the automobile can be towed. The owner will be responsible for towing and storage charges in addition to any fines. If convicted, an SR-22 will need to be filed with the DMV for three years or the driver s license will be suspended. If uninsured and involved in a traffic accident, the driving privileges will be suspended automatically for one year.
Questions Regarding Oregon Coverage
The Oregon Automobile Liability Insurance Reporting Program (ALIR) is a law that was passed by state legislators in 1993 that requires the Department of Motor Vehicles (DMV) to maintain auto insurance records. These records are to be accessible to law enforcement officers as a.
In most cases, people get their cars insured specifically for personal use-driving to the grocery store, taking road trips, getting to school, etc. For the minority of people who insure cars for commercial purposes-delivering goods, providing a means of transportation for compensation, etc.-insurers tend to.
In tough economic times people typically look for ways to cut costs wherever possible and, for the many Oregon residents who drive, auto insurance is a necessary expense they might be looking to trim. Fortunately, there are a few ways to lower premium prices that could end up saving a vehicle owner some.
Oregon Car Insurance News
May 03, 2013 – A signature from Oregon’s governor this week finalized a law there that will allow undocumented immigrants to be issued a four-year “driver card” that grants them driving privileges and requires them to purchase insurance. Those who cannot prove legal status in the U.S. and seeking a driver card will have to undergo the .
April 5, 2013 – A measure making Oregon insurers subject to an act that protects consumers from fraud passed the state House in Oregon this week to the chagrin of companies that say it will make the state overregulated and litigious. HB 3160 would repeal the insurance industry’s exemption from the Unlawful Trade Practices Act (UTPA), meaning .
November 17, 2011 – More than 40 percent of motorists in Oregon’s largest city think fines for texting while driving should be higher and nearly one-third believe the penalties should almost double, according to a new survey that also shows high percentages of drivers commit the offense. According to the results of the poll, released this week.
Articles on Oregon Insurance Issues
Dec 27, 2011 – It is illegal to operate a motor vehicle in Oregon without first having purchased automobile insurance. Motorists who are convicted of driving while uninsured often face a number of consequences, including fines or.
Aug 11, 2011 – Owning a car in the Beaver State also means having a certain amount of responsibility. Automobile accidents are unfortunately common and oftentimes lead to damages that need to be repaired. If an Oregon vehicle owner is responsible for.
Oregon Car Insurance Quotes Comparison – Online Auto Insurance, automobile insurance oregon.