Beaverton Insurance: No Hard Work Required

Each summer, the Saturday Farmers Market in Beaverton, Oregon, draws more than 15,000 people interested in purchasing the best fresh fruits, vegetables, flowers and crafts in the Portland area. Shoppers appreciate the variety of offerings that allows them to select just the right apple or eggplant. When you're searching for insurance in Beaverton for your home or car, you'll also want to shop around until you come up with the policies that are the best fit for your particular circumstances.

Facts About Beaverton Insurance for Homeowners

The beaver may be an inspiration to Beaverton residents --the city got its name from its close proximity to large beaver dams --but finding competitive insurance does not have to be hard work. If you know some of the basics about your home, your vehicles and the coverages you want before you begin comparing policies and prices, the process will go smoothly.

When you're buying Beaverton insurance for your home, it will be rated on factors like its age, size, structure, and type of construction. Your policy premium will be lower if you're close to fire hydrants, a fire station or other fire protection, and you may be eligible for discounts if you have wired-in smoke detectors or a good security system.

In 2007, the latest year for which numbers are available, Oregon residents paid an average premium of $496, according to the National Association of Insurance Commissioners. That makes it the third least expensive state in the U.S. when it comes to homeowner's insurance. Of course, the Beaverton insurance quotes that you receive will reflect your own special circumstances, and may go up or down depending on the size of your policy limits and your deductibles. Raising your deductible for your insurance policy to $500 or even $1000, for example, can dramatically reduce your premium.

Insurance for Beaverton Vehicle Owners

With Beaverton located just seven miles west of Portland in the Tulatin Valley, drivers may find their Beaverton insurance quotes for auto insurance are affected if they commute into the city each day. Fortunately, NAIC has found that the average auto insurance premiums paid by Oregon drivers in 2007 averaged just $723 per year, putting it among the 20 least expensive states in the U.S.

Oregon requires vehicle owners to carry $25,000 per person/$50,000 per crash bodily injury insurance and $20,000 per crash coverage for damage to the property of others. Beaverton auto policies must also provide the state-mandated coverage of $15,000 personal injury protection and uninsured motorist coverage of $25,000 per person/$50,000 per crash bodily injury protection.

To reduce Beaverton insurance quotes for your automobile or other vehicle, consider raising your deductibles. Many insurers will offer discounts if you insure multiple vehicles and/or both your car and your home with them. You may also get premium discounts if your car has safety features like side airbags and an automatic braking system, of if you take and pass a defensive driving course.

Easy Does It

Beaverton makes it easy to enjoy nature --it prides itself on having a park within a half mile of every home. If you're looking for a way to make shopping for Beaverton insurance quotes just as easy, visit when you're ready to shop around for homeowner's and automobile policy quotes. Instead of filling out forms time after time for multiple insurers, with NetQuote you simply fill out one form and get back quotes from several of the top insurers in your area. NetQuote also offers a variety of information on choosing an insurance policy that will help you protect your home and your vehicle.