Auto Liability Insurance In Oregon

Reader’s Question:

I dont own a vehicle but I do have a drivers license in Oregon. Am I required to get auto liability insurance in Oregon?

Brandon

Eugene, OR

 

If you do not own a vehicle, or neither in your household has a vehicle in which you should be on the insurance policy listed as a driver, then you do not have to carry auto liability insurance in Oregon.

In Oregon the mandatory insurance law (ORS 806.010) requires motorist to insure their car. The basic minimum liability insurance a driver must have is:

• $25,000 for Bodily Injury and Property Damage Liability per person / $50,000 per accident for injury to others and
• $10,000 Property damage liability per occurrence.
• $15,000 for Personal Injury Protection (PIP) per person.
• $25,000 for Uninsured Motorist Coverage per person / $50,000 per occurrence for bodily injury.

If you do not have a vehicle in which to put insurance and want car insurance policy to cover you when you drive other people’s vehicle (as secondary insurance to the auto owner’s primary insurance) you can get non owners car insurance policy.

Buying Auto Insurance in Oregon

Reader’s Question:

What is the best way to buy auto insurance in Oregon?

Daniel

Portland, OR

Buying through company websites on the Internet is by far the best way to obtain auto insurance in Oregon. This is because one gets to shop for auto insurance without having to leave their homes, unlike the traditional way where one needs to pay a visit or make a call to every single company in the area.

Most companies who provide auto insurance in Oregon also reward their clients who opt to buy their policies online by giving them discounted rates. To be assured that you get the best rates, though, you should be prepared to spend some time in front of the computer. This is because settling for that first offer is not very good as you may get more affordable auto insurance rates from other companies. Just be sure that when shopping for quotes, be consistent with the personal information you give out. You also have to be upfront about the traffic violations and/or convictions in the past. Even your auto insurance claims history will be asked, so might as well be forthcoming about it since they will get to check it with your previous insurer, anyway. Also, remember to get the comparison quotes for the coverage that you plan to obtain, so that the auto insurance rates will be as accurate as possible.