Maneuvering your way around car insurance in Oregon can be overwhelming. We put together this guide to help you navigate car insurance in Oregon, we want your car insurance buying process to be streamlined and fit your personal needs- at the lowest rate.
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Even though Oregon is not a no-fault state you are still required to carry uninsured motorist and personal injury protection in addition to bodily liability and property damage. If you do not comply and carry the state's minimum required car insurance there will be consequences. Here is a list and the coverages and the limits:
|Bodily Injury Liability Coverage||$25,000 per person and $50,000 per accident.|
|Property Damage Liability Coverage||$20,000 per accident.|
|Uninsured/underinsured motorist bodily injury||$25,000per person and $50,000 per accident.|
|Personal injury protection||$15,000 per accident.|
Do I Need More Than the Minimum Coverage?
We always recommend purchasing the most car insurance you can afford. This will help guarantee you the best protection you can afford. Adding additional coverages will help round out your policy. Even if you just want to up the limits on the coverages you already have, it can give you peace of mind.
Additional Coverages Available
There are more additional coverages available to help you achieve as much coverage as you need. We made a list of the coverages and how they can protect you:
Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for.
Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen.
Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident.
Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances.
Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars.
Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.
Teen Drivers in Oregon
In Oregon, teens can start driving with a permit at 15 years old. Once they jump through all the necessary hoops found at Oregon Department of Transportation, they can get their driver’s license. It is so important to start shopping for car insurance because a teen driver is held to the same standards as an adult driver. Getting insurance for a teen driver is expensive, there is no way around that. By adding your teen to your existing policy it will save some money, but the premiums are still not going to be cheap. There are a few discounts available for teen drivers, these will help cut costs if the teen meets the criteria.
Multiple Drivers in Oregon
If you live in a house with multiple drivers you should let your insurance agent know. This will ensure you are getting the best policy to meet your needs. This will also prevent you from being blindsided by the loss of coverage or out-of-pocket expenses from non-covered incidents.
If you do not want to add drivers to your policy, but they live in your home you can exclude them. Contact your insurance company and let them know who you want to exclude. It is important not to let an excluded driver use your vehicle. They will not be covered by your policy and could incur expenses not expected if an accident happens.
Penalties for Driving Without Car Insurance
If you are caught driving without car insurance in Oregon there will be penalties. It is mandatory to have car insurance if you are going to drive, failure to do so could leave a mark on your bank account. Here is a list of penalties:
First and Subsequent Offenses-
You will pay a $260 Presumptive Fine. Or in court, you could pay up to $1,000 in fines.
Your driver's license will be suspended.
You will be required to file an SR-22 for three years.
You will have to pay a $75 reinstatement fee.
You will have show monthly proof of insurance for three years
Car Insurance Discounts in Oregon
Getting a discount on car insurance is great. However, you might have to do some digging. We recommend asking your car insurance company for a complete list of discounts they offer. Doing this will help you see what discounts you qualify for and how much money you can save. We put together a short list of common discounts in Oregon for you:
Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations.
Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance.
Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.
Get a Quote
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