Compare Quotes & Learn About Oregon Auto Insurance Rates

Oregon Insurance Resources

Get a Low OR Auto Ins Rates

Pay less every year in lower premium costs:

Find The Cheapest Auto Insurance Policy Rate in Oregon

The internet allows you to save your time and money comparing Oregon car insurance quotes from multiple Oregon auto insurance companies. You’ll be able to find a company that offers you great service at a low price.

At AIP, we make it our goal to help Oregon drivers with all of the resources, information and tools needed to find the best, most affordable auto insurance policy available. An informed choice is only minutes away. We know that shopping for a car insurance policy can feel stressful and overwhelming. Its easy to feel confused and give in to purchasing the first auto insurance policy you come across. The way to shop for car insurance is to know what you need, why you need it, and what different insurance companies in Oregon are charging for policies that meet those needs. Learn everything you need to know about Oregon’s auto insurance laws and compare Oregon auto insurance company quotes here, your one-stop-shop for all things related to Oregon car insurance.

Oregon auto insurance law: minimum required auto insurance

Liability limits (in 100′s)	PIP required	No Fault State	Uninsured Motorist coverage required
25/50/10	Yes	No	Yes

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

First number: bodily injury liability maximum for
one person for injuries you caused to the other party
Second number: bodily injury liability maximum for all injuries in one accident
Third number: property damage liability maximum for one accident

AIP Provides Everything You’ll Need to Find The Best Auto Insurance Rate in Oregon:

Common Types of Car Insurance Coverage

Bodily injury liability: This pays for damages
other people incur if you or someone you
allow to drive your car causes an auto accident.
Examples of damages include medical expenses,
rehabilitation, funeral costs, settlement of lawsuits,
and legal expenses.
Property damage liability: This pays for
damage to other people’s property if you or
someone you let drive your car causes an auto
accident. It usually pays for repair or actual cash
value (ACV) of others’ property and your legal
expenses.
Personal injury protection (PIP): This typically pays
for medical, rehabilitation, funeral, and childcare
expenses as well as for loss of earnings and
in-home assistance if you and your passengers
are injured in an accident, regardless of who is at
fault.
Uninsured and underinsured motorist bodily
injury: This pays medical, rehabilitation,
and funeral expenses, loss of earnings, and other
damages if you or your family are involved in a
vehicle, bicycle, or pedestrian accident caused by
an uninsured or underinsured motorist or a hit and
run driver.
Uninsured motorist property: This is for damage to your motor vehicle that is caused by an uninsured
driver. This optional coverage generally duplicates
your collision coverage, but may be a good
buy if you have a high deductible on your collision
coverage or don’t have collision coverage.
Collision: This pays for repairing your
vehicle in a collision or rollover.
Comprehensive: This pays for damage to
your vehicle resulting from theft, vandalism,
windstorms, fire, hail, etc.

Sometimes its difficult to understand the difference between collision and comprehensive auto insurance. Usually collision insurance covers damages when your vehicle collides with another object or is overturned. Comprehensive insurance generally covers damages that collision insurance does not cover. If your vehicle is older and perhaps not worth very much, you may consider canceling collision and comprehensive coverage, as the cost of repairs may cost more than the car is worth.

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