Factors Influencing Cost of Car Insurance in West Linn, OR

Compare Quotes from Top Providers and Save now!

The average cost of car insurance in West Linn, OR, is $1,550. This cost is higher than nearby locations like Northwest Clackamas, Oregon City, Jennings Lodge, and Gladstone but lower than other nearby locations like Stafford. Factors like the driver’s age, make and model of the vehicle, and credit scores make car insurance expensive in West Linn, OR. By comparing insurance policies based on these factors, car owners in West Linn, OR, can make auto insurance less expensive. These factors are explored in detail below by Zimlon. 

factors_influencing_cost_of_car_insurance_in_west_linn_or

Location: 

The neighborhood one lives in West Linn, OR, significantly influences the cost of car insurance. The make and model of the vehicle, rate of auto thefts in the neighborhood, and age of the driver are some crucial factors that can reduce or increase the cost of car insurance within the city. Zimlon offers the service of finding accurate insurance quotes using one’s zip code.

Age of the Driver: 

Car owners in West Linn, OR, can lower the cost of car insurance and get various discounts by comparing multiple age of the driver based policies offered by different insurance companies. According to Zimlon’s analysis, teenagers and young drivers pay more on car insurance than older drivers as insurance companies consider them less responsible drivers. Zimlon found that the cost of car insurance for a teenager in West Linn, OR, is $5,029, and this cost reduces to $1,992 for a 20-year-old driver. Drivers between the ages of 30 to 50 years pay less than $1,600 for car insurance in West Linn, OR. 

Driving Violations: 

Driving violations can make auto insurance very expensive in West Linn, OR. The driving violations can also stay on the record for a considerable amount of time, leading to higher auto insurance rates. Zimlon’s research found that the violations like speeding and running a red light can add more than $350 to the insurance costs. Other violations like driving with an expired or suspended license can increase insurance costs by $1,045 in West Linn, OR. 

Deductibles: 

This is one of the most common factors influencing the cost of car insurance in West Linn, OR. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. According to Zimlon’s research, the average cost of auto insurance in West Linn, OR, on a deductible of $500 is $1,495, and this cost will decrease to $1,262 when the deductible is $1,000.