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What Can Raise Your Central Oregon Car Insurance Premium?

What Can Raise Your Central Oregon Car Insurance Premium?

There is no denying that Central Oregon car insurance is something that every driver must have if they want to drive legally on the roads of Bend, Prineville, Redmond, Sunriver and elsewhere in Central Oregon but, the reality is that car insurance can become a pain to pay every single month if your rates go up.

If you’ve recently experienced a rate increase, or you’re curious about what factors could cause your car insurance premium to go up, this article will cover three things that can cause your Central Oregon car insurance premium to increase.

Filing a Second Claim within One Year

Nobody likes the idea of getting into an accident and filing a claim but, thanks to the National Association of Insurance commissioners (NAIC) we know that the cost of filing a second car insurance claim within one year can increase your premium by as much as 44.1% and this increase would an additional $300 per year to your car insurance premium.

Falling Credit Score

Can your credit score affect what you pay for Central Oregon car insurance? The answer is yes, unless you live out of state in California, Massachusetts for Hawaii where their state laws forbid insurance companies from using credit scores when calculating the car insurance premium that a driver will pay so it’s best to keep an eye on your credit score if you plan on changing car insurance policies this year.

Where You Live In Central Oregon

Last of all, but most important, thanks to recent data from autoinsurance.org  we know that another thing that does factor in how much you pay for your car insurance premium is where you live.

Yes, it’s true that drivers who live in some rural areas will pay less money for car insurance vs. drivers that live in the city because some cities will have higher crime/accident rates and your Central Oregon Car Insurance premium may reflect a rate increase if you decide to move to a different area in the near future.  

Learn More

To learn more what could cause your central Oregon car insurance premium to increase, or for an affordable insurance quote, contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

What Can Cause Your Central Oregon Car Insurance To Increase?

What Can Cause Your Central Oregon Car Insurance To Increase?

central oregon car insurance

Central Oregon Car Insurance is one of the most important forms of insurance that any Oregon Driver should have and sadly the average driver in this part of Oregon makes common mistakes on a daily basis that ultimately may cost them their car insurance, money and even their lives.

Reckless Driving

One of the most common mistakes that drivers who have Central Oregon Car Insurance make on a regular basis is driving recklessly on the roads of towns like: Bend, Redmond, Prineville and Sunriver.

By reckless driving we mean: driving over the speed limit in any part of Oregon, driving under the influence (DUI), running red lights or stop sign and failure to yield to other drivers. These common mistakes are among the most common reckless driving problems in Central Oregon and they could be stopped if the average driver would just slow down and pay attention while on the road.

Causing an Accident

If you have Central Oregon Car Insurance and have been driving on the roads of Oregon for any length of time you know that accidents happen but sadly the most car accidents happen when the average Oregon driver uses their handheld electronic devices while in their car, and decides to text, chat, watch movies or chat while driving.

Causing a car accident is a serious offense that can be met with severe financial penalties and even jail time if the driver who caused the accident is found to be at fault.

Misjudging the Weather

Last of all, but most important, another thing that can cause any Central Oregon Car Insurance premium to increase is when a driver gets into a weather related car accident because, they misjudged the weather and were not prepared for driving conditions.

Before leaving home, especially during the winter, you should review the weather on your phone, or mobile device, to make sure that your vehicle is prepared for harsh weather driving conditions just so you can insure that you will arrive to your destination alive.

For more information on the most common causes for car accidents in Central Oregon contact the Farnsworth Agency today by calling us at (541) 318-8835. 

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