Melrose Auto Insurance Rates, Quotes, Agents & Reviews in OR

Melrose, OR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Melrose, 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.

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Factors that can influence the cost of car insurance in Melrose, 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.

Melrose, OR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Melrose, OR with that of other cities in and around Melrose.

Melrose Eastside Winston Roseburg Dillard Green
Average Insurance Rates $1,470 $1,443 $1,397 $1,005 $1,364 $1,383

Melrose, 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 Melrose, 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)
Melrose $1,652 $1,395
Lookingglass $2,319 $1,958
Green $1,084 $915
Winston $2,202 $1,860
Eastside $1,616 $1,365
Roseburg $1,545 $1,305
Roseburg North $1,536 $1,297
Dillard $1,056 $892

Melrose, OR Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Melrose, 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
Teens $4,770
20 Years $1,889
30 Years $1,455
40 Years $1,400
50 Years $1,296
60 Years $1,314
70 Years $1,530

Melrose, OR Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Melrose, 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
2 Vehicles $2,499 $441
3 Vehicles $3,749 $662
4 Vehicles $4,998 $882

Savings on 2 Vehicles bundle:$441

Savings on 3 Vehicles bundle:$662

Savings on 4 Vehicles bundle:$882

Melrose, 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 Melrose, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Melrose $1,470 $2,199
Lookingglass $1,448 $2,166
Green $1,383 $2,069
Winston $1,397 $2,090
Eastside $1,443 $2,159
Roseburg $1,005 $1,503
Roseburg North $1,398 $2,091
Dillard $1,364 $2,040

Melrose, 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
Exceptional (800-850) $1,261
Excellent (740-799) $1,440
Good (670-739) $1,532
Average (580-669) $1,998
Poor (300-579) $2,398

Melrose, 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
John Murphy Farmers 652 W Umpqua St, Roseburg, 97471 (541) 672-4004
Natalie Kelley State Farm 5010 Grange Rd Ste 102, Roseburg, 97471-5846 541-679-9740
Alison Eggers State Farm 1790 NW Hughwood Ave, Roseburg, 97471-8817 541-673-7405
Aaa - Roseburg Travelers 3019 NW STEWART PARKWAY SUITE 303, ROSEBURG, 97470 503-222-6748
Blair Sturgill State Farm 480 NE Stephens St, Roseburg, 97470-3149 541-672-7575
Spike Moore State Farm 2621 NE Stephens St, Roseburg, 97470-6620 541-673-2755
Fullhart Insurance Agency None Po Box 598, Reedsport, 97467 None
John Gibson State Farm 1892 Sherman Ave, North Bend, 97459-3418 541-756-0596
J Lindeen Brown Ltcp State Farm 224 N State Street, Sutherlin, 97479 541-459-7730
Paynewest Insurance - Cottage Grove Liberty Mutual Independent 1645 E Main St, COTTAGE GROVE, 97424 (541) 942-0555
Payne West Ins Allstate 1645 E Main St, Cottage Grove, 97424 (541) 942-0555

Melrose, 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 +$65 $1,535
Driver's Failure In Showing Documents +$143 $1,613
Driving With An Expired Registration +$151 $1,621
Driving At A Considerably Slow Pace +$319 $1,789
Using A Cellphone While Driving +$337 $1,807
Running A Red Light +$343 $1,813
Speeding +$360 $1,830
Driving A Vehicle Without The Required Permission +$457 $1,927
Driving With An Expired/Suspended License +$991 $2,461

Melrose, 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
Audible Alarm $1,411
Active Disabling Device $1,411
Tracking Device $1,382
Passive Disabling Device $1,367