Oregon Auto Insurance | Quotes, Coverage & Requirements

Within the last year, Oregon has changed many of its car insurance laws and requirements. As a result, many drivers may not be aware of this, or of the fact that Oregon has its own specific laws regarding auto insurance. snjauto.blogspot.com offers details about Oregon’s car insurance laws and requirements, while offering access to auto insurance quotes from the top providers in the nation, allowing drivers to get the best possible coverage while saving money on rates for Oregon car insurance.

Oregon Car Insurance Requirements

Oregon is one of the many states in the country that follows the Tort system of car insurance, which requires that one of the involved parties be found at-fault for causing the auto accident. Arizona Car Insurance - Quotes, Coverage & Requirements, That party and their car insurance company will be responsible for all the damages that occur during or because of the accident. Due to this system, it is incredibly important for every driver to maintain at least the minimum liability limits for bodily injury, property damage, uninsured motorist coverage and PIP.

Understanding Oregon Car Insurance Liabilities & Coverage

The basic coverage requirements in Oregon are known as 25/50/20 coverage, along with UM limits of 25/50. This means that a driver’s auto insurance coverage must cover at least $25,000 for bodily injury, plus a minimum $50,000 for the entire accident, and $20,000 in public or private property damages. Oregon also requires uninsured/underinsured motorist protection of at least $25,000 per individual and $50,000 per accident, in addition to personal injury protection, or PIP, coverage for at least $15,000. North Carolina Auto Insurance Vehicle insurance in the United States, With the cost of repairs and medical treatment steadily increasing, drivers may want to look into extra coverage.

Oregon Insurance Coverage

• Bodily Injury Liability: $25,000/$50,000 Limit
• Property Damage Liability: $20,000 Limit
• Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
• Personal Injury Protection (PIP): $15,000 Limit

Either failing to have an adequate amount of auto insurance or failing to provide any proof of insurance is considered a Class B traffic violation in Oregon, resulting in a number of serious penalties, including but not limited to, fines of up to $360 for first-time offenders. Las Vegas Car Insurance Car Insurance Coverage | Commercial Auto Insurance, If a driver does not have car insurance or proof of insurance and is involved in an accident, then the result could be the loss of his or her license due to suspension. Additionally, that driver could be required to pay out-of-pocket for all the injuries and damages incurred during the accident.

Average Oregon Car Insurance Rates

Annually, Oregon car insurance rates averaged about $1,475 in 2010, while the national median rate was $1,538. Rates in Oregon are significantly cheaper now than in 2009, so drivers may want to consider shopping around with free car insurance quotes online. Consumers will find it easy and quick to get access to affordable car insurance rates online. In addition, they can find many different coverage options and dozens of different insurance plans available to them.

Oregon Car Insurance Quotes

Rates in Oregon increased between 2008 and 2009, going up 26 percent. In 2010, however, rates in the state were 14 percent lower than they were in 2009, and that decrease is still continuing. It may be difficult to find competitive car insurance quotes and rates on your own to take advantage of that dip, but http://snjauto.blogspot.com/ makes it incredibly easy, and it does not cost anything to comparison shop online with us. On the contrary, drivers in Oregon can find the best car insurance rate quotes available while browsing through many different insurance policies from the top car insurance companies.