Portland Car Insurance
Portland is located in the Pacific Northwest at the foot of Mt. Hood and near the beautiful Columbia and Willamette Rivers in the state of Oregon. Some of the most beautiful views in the world are located nearby along the Columbia River. Its history began in 1843 in what was then called Oregon Country. The name Portland was chosen for this community in 1845, and in 1851 the city was incorporated. The county seat of Multnomah County, Portland is Oregon’s most populated city. As of 2009, Portland has a population of over half a million, making it the 29th most populous city in the country. Portland is known for being environmentally conscious, for microbreweries, and for its love of coffee. It is also the home of the Trail Blazers NBA basketball team. For more than a century, Portland has been known as “The City of Roses” because the temperate climate is ideal for growing roses.
Oregon has specific regulations pertaining to auto insurance. Portland car insurance must follow the guidelines for the state. All vehicles registered to Oregon residents must be insured. When assessing how much you will pay for car insurance in Portland, you should take into consideration the amount of coverage, the deductible, the opportunity for discounts, and any exclusions to the policy. Your rate may also be affected by your driving record, insurance claim history, the type of car you want to insure, your age and gender, and the amount you drive.
According to the Oregon Insurance Division of the Department of Consumer and Business Services, Oregon requires that drivers have Personal Injury Protection and that all drivers carry uninsured motorist insurance. All Oregon drivers must carry the following minimum liability coverage: twenty five thousand dollars for bodily injury suffered by a single occupant of a vehicle, fifty thousand dollars for the combined medical expenses of all of the vehicle’s occupants, and ten thousand dollars for any repairs that must be made to public or private property as a result of the accident, including the vehicle of the victim. Of course, these amounts simply constitute minimum legal standards for Oregon; additional coverage, in the form of a comprehensive policy, is highly recommended. The deductible amount you chose will affect the premium you pay for auto insurance. A higher deductible can save you hundreds of dollars a year, but it is only advisable if you are a safe driver and you drive a used car. Keep this in mind as you peruse Portland auto insurance quotes.
It is important to keep informed on the latest cost saving tips, when reviewing your Portland car insurance quotes. To get started, simply enter your zip code now for a car insurance quote!