The answer to this question might surprise you. Portland insurance rates are different from the rest of the country. It's not just that they charge high premiums for their insurance.
According to several websites, it is possible to lower Portland rates by less than a percentage point in some cases. Some states charge just as much for car insurance as they do in Oregon. Some states even charge more.
California is known for charging the highest premiums in the country. The reasons for this are not clear. The one thing we do know is that these premiums are for good reason.
In fact, California is one of the few states that can levy car insurance rate increases based on an individuals zip code. If you live in California and drive a vehicle on the state's roads, chances are good that you'll pay a lot more for your car insurance in Portland than if you lived anywhere else in the United States.
In some cases, the reason for such high rates is simple. If you live in some neighborhoods that are considered high risk, your rates will be higher.
These neighborhoods are targeted for high crime and risk factors. They have a lot of vandalism and other types of crimes. If you happen to live in one of these neighborhoods, it might be time to look at other ways to protect yourself and your family.
Even though many people think that there are a lot of low-risk zip codes in the country, there is still no way to tell if someone lives in an area that is safe or not. As such, you should really consider asking your agent about how does your address affect car insurance prices in Portland.
You may have a great deal of trouble finding out how does your address affect automobile insurance rates in Portland. Because of this, there are a number of resources you can use to learn more about this matter.
The Internet is certainly one of the best resources available for learning about the business practices of auto insurance companies. You can visit numerous web sites that compare the rates offered by various companies.
Although it is understandable that insurance companies would want to keep a good relationship with its customers, it is hard to believe that they will lower rates to accommodate residents of areas where there are higher levels of crime. That may be the reason why most websites only show the rates of car insurance providers that do business in Oregon.
If you wish to find the lowest auto insurance rates, you should definitely check into other areas of the country. Places like Florida and California may be a little bit more affordable, but the rates there are almost certainly going to be higher than the rates in Oregon.
Regardless of where you live, remember that the rates you see in the U.S. are not the rates you should be paying. Make sure you do some comparison shopping between different auto insurance providers. If you get bad coverage, you can easily drop it and get a good deal from a provider in Oregon.