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Oregon Auto Insurance

As with most states auto insurance is mandatory in the state of Oregon.  There are some very specific guidelines for owners of cars concerning their obligation to purchase insurance.  The minimum coverage for car insurance is spelled out specifically in the Oregon law and you have no options to meet these minimum coverages.   The first minimum is to have bodily injury and property damage liability insurance.  The minimum coverage is $25,000 per person and $50,000 per crash for bodily injury to others.  As a car owner you must also have $10,000 worth of coverage for property damage to others.  You must also have $15,000 worth of coverage for personal injury protection for reasonable and needed medical, dental, and other treatments one year after a crash.  The state of Oregon also requires uninsured motorist protection of $25,000 for each person and $50,000 per crash for bodily injury. More information can be found at the State Of Oregon Insurance Division website.

Remember that these figures are minimums and in many cases you will want more coverage over the minimum amounts.  It is a good idea to discuss all of this with a qualified and experienced insurance agent to learn the full impact of insurance coverage.  They can often provide the best advice to help you make good decisions about your auto insurance coverage.  You will find many qualified agents and companies in the state of Oregon.  All of these companies meet the state government regulations to be qualified insurance providers in the state.  You will recognize many of the brand names in the insurance market place when you begin your search.

In the state of Oregon OR you must certify that you have the appropriate auto insurance every time you register your car.  If you are caught driving without liability insurance in Oregon you might be subject to fines and suspension of your driving privileges.  You car may be towed away and you will be subject for the related charges for towing and storage.

Oregon has a unique compliance system to check the validity of your certification of auto insurance from the Division of Motor Vehicles.   Every month on a random basis the DMV selects vehicles and asks owners to provide the insurance company and the number of the policy to be checked and verified.  If you do not respond or it turns out that you do not have liability coverage  your driving privileges will be suspended.  It is important as an owner that you have continuous coverage for your vehicle to protect yourself at all times.

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Oregon Car Insurance

Although Portland, Salem, Eugene, Gresham, and Beaverton are the biggest cities in Oregon cheap car insurance rates vary from city to city and rates in Hillsboro may or may not be different than Medford. Whether you live in Bend, Springfield, Corvallis or some other city in Oregon take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Oregon.


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