Estacada, OR Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Estacada, OR, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Cheapest Auto Insurance Rates in Estacada, OR
The average cost of car insurance in Estacada, OR, is $1,493. The price of auto insurance in Estacada, Oregon, is influenced by a wide range of variables, which car owners can learn about. The location of the city, the driver's driving record, and other elements like the driver's age and gender might affect the price of auto insurance in Estacada, Oregon. For instance, low-income drivers who reside in high-crime areas will pay more for auto insurance even if they have a spotless driving record because of where they live.
Choosing a car insurance plan that satisfies your needs might be difficult. Car owners want to make sure they get the best bargain, which means selecting a policy that meets their coverage needs while staying within their price range. As a result, they need to research the variables that may affect Estacada, Oregon, vehicle insurance rates. Through its research, Zimlon has examined the factors influencing the shift in the cost of auto insurance in Estacada, Oregon.
Car Insurance Rates Based on the Credit History
Auto insurance rates in Estacada, Oregon, are determined partly by a driver's credit history. Insurance companies look at credit information to help them assess the risk of insuring a driver. Generally, drivers with good credit are seen as less of a risk and are therefore charged lower rates. On the other hand, drivers with bad credit are seen as a greater risk and are charged higher rates. Auto insurance in Estacada, OR, costs $1,281 for drivers with exceptional credit scores. Owners of vehicles with good scores (670–739) pay roughly $1,556. Auto insurance in Estacada, OR, costs $2,435 for drivers with poor credit scores.
Car Insurance Rates Based on the Driving History
Car insurance rates in Estacada, Oregon, are based on the policyholder's driving history. If the policyholder has a clean driving record, they will likely receive a lower rate. However, their rates will be higher if the policyholder has multiple accidents or speeding tickets. For instance, in Estacada, Oregon, where the premium rises by +$1006, car owners who drive a vehicle with an expired registration pay $2,499 for automobile insurance.
Car Insurance Rates Based on the Age of the Driver
Auto insurance shopping might be more challenging and expensive than typical if you are a youngster or in your early 20s. Younger drivers in Emerson, New Jersey, typically pay higher auto insurance prices since they lack the experience necessary to demonstrate their driving prowess. In addition, young drivers tend to be carefree and take greater chances while driving. Due to the increased likelihood of accidents, insurance companies charge higher premiums to offset the risk. Teenagers in Estacada, OR, pay $4,845, while drivers aged 30 pay $1,478 on car insurance in Estacada, OR.
Factors that can influence the cost of car insurance in Estacada, OR are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Estacada, OR Auto Insurance Rates
- Estacada, OR Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Estacada, OR
- Multi Vehicle Insurance Savings in Estacada, OR
- How Credit Score Affects Car Insurance Rates in Estacada, OR
- How DUI Affects Auto Insurance Premiums in Estacada, OR
- Top Auto Insurance Agents Near Estacada, OR
- How Driving Violations Affect Auto Insurance Rates in Estacada, OR
- Estacada, OR Auto Insurance Discounts on Anti Theft Feature
- Estacada, OR Auto Insurance Company Reviews
Estacada, OR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Estacada, OR with that of other cities in and around Estacada.
|Estacada||Mount Hood Village||Clackamas County||Colton||Mount Hood||Government Camp|
|Average Insurance Rates||$1,493||$1,457||$1,061||$1,472||$1,479||$1,510|
Estacada, OR Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Estacada, OR based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
|Mount Hood Village||$1,038||$877|
Estacada, OR Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Estacada, OR usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Estacada, OR Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Estacada, OR can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$418
Savings on 3 Vehicles bundle:$627
Savings on 4 Vehicles bundle:$836
Estacada, OR Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Estacada, OR.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
|Mount Hood Village||$1,457||$2,180|
Estacada, OR Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Estacada, OR Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Jessy Grochowsky||Farmers||980 NW Wade St, Estacada, 97023||(503) 630-7907|
|Kilong Ung||State Farm||4000 SE 82nd Ave Ste 1400, Portland, 97266-2949||503-777-6762|
|Paul Strobel||State Farm||352 SE Main Street, Estacada, 97023||503-630-3973|
|Dave Hawkins||State Farm||10355 NE Halsey St Ste B2, Portland, 97220-3985||503-252-2224|
|Brian West||Allstate||15320 NW Central Dr Ste D6, Portland, 97229||(503) 690-4994|
|Jmi Ins||None||3737 S W 117Th, Beaverton, 97005||None|
|Dick Mclane||Farmers||8040 NE Sandy Blvd Ste 101, Portland, 97213||(503) 280-8899|
|Mid Valley General Agency Llc||None||4305 River Road N, Keizer, 97303||None|
|Brian Koenig||State Farm||30775 SW Boones Fry Rd Ste A, Wilsonville, 97070-7822||503-582-9151|
Estacada, OR Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$66||$1,559|
|Driver's Failure In Showing Documents||+$145||$1,638|
|Driving With An Expired Registration||+$154||$1,647|
|Driving At A Considerably Slow Pace||+$324||$1,817|
|Using A Cellphone While Driving||+$342||$1,835|
|Running A Red Light||+$348||$1,841|
|Driving A Vehicle Without The Required Permission||+$464||$1,957|
|Driving With An Expired/Suspended License||+$1,006||$2,499|
Estacada, OR Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,433|
|Passive Disabling Device||$1,388|
Latest Auto Insurance Reviews in Estacada, OR | Back to Top
Premium is almost the lowest compared with other companies it could be lower though and may be due people filing numerous claims in my area.