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The state of Oregon requires all drivers and insured vehicles to
carry "25/50/10" coverage. Drivers must carry $25,000 liability insurance for personal injury for one person involved in an accident, $50,000 for two or more persons injured in an accident, and $10,000 liability to cover property damage. No-fault, or personal injury protection (PIP), is also required; as of 01/01/04, the Oregon legislature raised the minimum no-fault coverage to
$15,000 per person. This covers compensation for quot;reasonable" medical expenses, including medical, dental, surgical, ambulance, and prosthetics. PIP also covers funeral expenses, child care, lost wages, and essential services.
Loss of earnings covers 70 percent of lost wages for a period not exceeding
52 weeks, with a maximum benefit of $1250 per month. Covered funeral expenses allow for a maximum benefit of $2500.
By Oregon law, oregon auto insurance insurers may calculate oregon auto insurance premiums on the basis of driving records, which includes accident history and the number of moving violations a driver has received, the driver's previous coverage history, the age, make, and model of the car, and the driver's credit history. Oregon divides the risk pool into preferred, standard, and non-standard drivers. Preferred drivers have spotless driving records for the preceding 3-year period; standard drivers have generally good driving records; non-standard drivers represent the highest risk to oregon auto insurance insurers and therefore pay the highest oregon auto insurance rates. Drivers may obtain oregon auto insurance discounts for completing safe-driving courses, being "low-mileage" drivers, maintaining a clean credit history, and being over 50. Teen-agers and young people who drive sports-type
cars will pay higher oregon auto insurance premiums, (10% on average just for having a turbo engine).
With average oregon auto insurance premium at around $825 in 2003, and the national average at around $914, most Oregonians incorrectly assume that they have no choice but to accept these oregon auto insurance rates fixed by oregon car insurance companies and state regulatory agencies. We know there are cheap oregon auto insurance rates available, and we will help you find the cheapest oregon auto insurance quotes.
The state also requires that you carry Uninsured Motorist Bodily Injury (UMBI) coverage. This oregon auto insurance provides up to $25,000 per person of $50,000 per accident
in the event that a driver is in an accident with an uninsured motorist. The
state does not require drivers to carry collision or comprehensive insurance;
however, it does recommend those coverages and suggests that drivers carry higher levels of liability, PIP, and UMBI insurance.
As the years go by, the oregon auto insurance rates change, you might be paying more oregon auto insurance premium than you need to. Just one year earlier, the average oregon auto insurance premium in 2002 was about $765, that's an increase of about 7.84% in just one year!
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