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

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

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

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

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

Philomath Southeast Benton Kings Valley Blodgett Benton County North Benton
Average Insurance Rates $1,432 $1,458 $1,932 $1,985 $1,302 $1,479

Philomath, 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 Philomath, 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)
Philomath $1,490 $1,259
Corvallis $1,282 $1,083
Benton County $1,928 $1,629
North Benton $1,882 $1,589
Blodgett $2,045 $1,727
Peoria $1,126 $951
Southeast Benton $1,792 $1,514
Kings Valley $1,990 $1,681

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

Teenagers in Philomath, 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 $4,647
20 Years $1,840
30 Years $1,417
40 Years $1,364
50 Years $1,263
60 Years $1,280
70 Years $1,490

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

Car owners in Philomath, 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 $2,434 $430
3 Vehicles $3,652 $644
4 Vehicles $4,869 $859

Savings on 2 Vehicles bundle:$430

Savings on 3 Vehicles bundle:$644

Savings on 4 Vehicles bundle:$859

Philomath, 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 Philomath, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Philomath $1,432 $2,142
Corvallis $928 $1,388
Benton County $1,302 $1,948
North Benton $1,479 $2,212
Blodgett $1,985 $2,969
Peoria $1,624 $2,429
Southeast Benton $1,458 $2,181
Kings Valley $1,932 $2,890

Philomath, 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) $1,229
Excellent (740-799) $1,402
Good (670-739) $1,492
Average (580-669) $1,947
Poor (300-579) $2,336

Philomath, 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
Grant Scheele Farmers 517 Lyon St S, Albany, 97321 (541) 791-7695
Monica Baez State Farm 1025 NW 9th St Ste B, Corvallis, 97330-6162 541-757-7005
Severn Thomas State Farm 2372 Main St, Philomath, 97370-9361 541-929-2534
Jeff Mills State Farm 2251 NW 9th St, Corvallis, 97330-1556 541-752-3465
Corvallis Insurance Services Inc Liberty Mutual Independent 456 SW WASHINGTON AVE, CORVALLIS, 97333 (541) 757-1990
Erik Fast State Farm 635 SW 4th St, Corvallis, 97333-4427 541-754-1104
Aaa - Corvallis Travelers 1550 NW 9TH STE 104, CORVALLIS, 97330 503-222-6748
Richard Schroff Csp Farmers 620 NW Van Buren Ave Ste 8, Corvallis, 97330 (541) 754-7102
Suzanne Roppe State Farm 901 NW Beca Ave, Corvallis, 97330-4501 541-757-1690
Kgm Intl Ltd Dba Pacific Benefit Planners Travelers 800 WILLAMETTE ST STE 620, EUGENE, 97401 541-341-3478

Philomath, 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 +$63 $1,495
Driver's Failure In Showing Documents +$139 $1,571
Driving With An Expired Registration +$147 $1,579
Driving At A Considerably Slow Pace +$311 $1,743
Using A Cellphone While Driving +$328 $1,760
Running A Red Light +$334 $1,766
Speeding +$351 $1,783
Driving A Vehicle Without The Required Permission +$445 $1,877
Driving With An Expired/Suspended License +$965 $2,397

Philomath, 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 $1,375
Active Disabling Device $1,375
Tracking Device $1,346
Passive Disabling Device $1,332