Nestled in the heart of the bountiful Willamette Valley, Oregon's capital city of Salem offers the pleasures of city living and a small town atmosphere. To find Salem insurance options that meet your coverage needs and fit within your budget, use NetQuote to navigate the policies and packages out there.
Salem Insurance Quotes for Car Drivers, Truck Drivers and Others
Whether you spend the majority of your day crisscrossing Route 99E, Route 22, and Interstate 5, or you motor just a few miles to and from work at the Strategic Economic Development Corporation, chances are that you need a solid Salem insurance policy to protect you against liability. Before you shop for a perfect policy, take time to get to know Oregon's auto insurance laws. As of February 2010, Oregonians must carry four different kinds of insurance --bodily injury (BI), property damage (PD), personal injury protection (PIP), and uninsured motorist (UM). Minimum coverage includes $50,000 for BI (per accident), $25,000 for BI (per person), and $20,000 for PD coverage. According to the National Association of Insurance Commissioners in 2007, the average OR auto premium was $723 --$72 less than the Unites States average of $795. Oregonians in 2007 paid an average of $485 for liability, $224 for collision, and $97 for comprehensive.
So how can you bump these numbers down even further? Consider spending more time on the Salem-Keizer Transit or CARTS bus service to qualify for a low mileage discount. If you attend Corban College or Willamette University, maybe you can qualify for a good student discount. You could also opt for a higher deductible, take a defensive drivers course, or forego collision or comprehensive coverage (especially if you have an older vehicle).
Exploring Salem Insurance Quotes for Homeowners
Whether you just purchased property at Mill Creek Industrial Park, or you rent an apartment near a flower store on Marion Street, chances are you need coverage to protect your possessions and your property. There is some exciting news for Oregon insurance buyers: according to 2007 statistics compiled by the National Association of Insurance Commissioners (NIAC), Oregonians pay just $496 on average for homeowners insurance. This makes Oregon the third cheapest place in the nation to buy homeowners insurance. Renters don't have it as good --the $161 average ranks Oregon 24th in the nation.
Whether you live in the foothills of Mount Jefferson, or you own a condo within a stone's throw of the Reed Opera House, you can take concrete, tangible steps to make your house more appealing to insurers. First of all, pay off your mortgage faster, so insurers might consider you less of a risk and offer you better rates. Second, opt for a high deductible. Third, install security features, weather-proofing, smoke detectors, and sprinkler systems. Lastly, compare quotes from a variety of insurers to find right coverage at the right price for you and your family.
Zeroing in on the Best Salem Insurance Options
As anyone who has attended Chef's Nite Out or the Mid-Valley Video Festival can tell you, choices abound to match any Salem resident's tastes. To make the best choice for your situation, first you need to see what options are available. NetQuote can help you. Our free online service can get you five or more quotes from reliable insurers (taken from a pool of over 100 trusted companies) to compare and contrast. Fill out one form and get five or more quotes. This will save you time, since you won't have to fill out a questionnaire for each company. Remember, the quest to find great Salem insurance is much like the Dragon Boat Race held every year at Water Riverfront Park: it is a test of your efficiency, skill, and knowledge. NetQuote can help you win that race.