Best cheap car insurance quotes in Cottage Grove
You’re subject to the state minimum requirements for liability requirements, but there’s good news! This is the absolute cheapest way to get auto insurance coverage in Cottage Grove.
Of course, bare minimum policies may not provide sufficient coverage if you get into a serious accident. Without full coverage, you could be on the hook for someone else’s damages if you cause the accident—or wind up with no way to pay for repairs to or replacement of your own vehicle.
Cheap minimum liability insurance quotes in Cottage Grove
Cottage Grove drivers must meet Oregon’s minimum coverage requirements
, which include bodily injury liability, property damage liability, uninsured motorist bodily injury coverage, and personal injury protection (PIP). Minimum liability coverage in Oregon is summed up as 25/50/20:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 for property damage liability
You must also carry UM (uninsured motorist protection) and PIP at these levels:
$15,000 personal injury protection per person
$25,000 uninsured motorist coverage per person
$50,000 uninsured motorist coverage per accident
Auto insurance companies will offer you this coverage automatically since it’s required in Oregon.
Check out how Cottage Grove drivers are using Jerry to find budget-friendly auto insurance rates for minimum liability coverage.
Coverage
State Minimum
Cottage Grove, OR
(Zip Code: 97424) Coverage
State Minimum
Cottage Grove, OR
(Zip Code: 97424) Coverage
State Minimum
Cottage Grove, OR
(Zip Code: 97424) Coverage
State Minimum
Cottage Grove, OR
(Zip Code: 97424) Do you need more than minimum coverage in Cottage Grove?
It’s common for Cottage Grove drivers to take out a policy with higher levels than the bare minimum. It’s a smart decision, if you consider the cost of medical bills and car repairs.
Imagine you cause an at-fault accident that results in a lengthy hospital stay and a totalled vehicle. With a bare minimum policy, you get a little help but you’re still on the hook for anything that costs more than the policy limit of $50,000 for bodily injury and $20,000 for property damage.
Experts recommend opting for a higher liability coverage such as 50/100/50 or 100/300/100. This won’t add too much cost to your monthly premium but you’ll enjoy far more protection in the event of a serious accident—even if you decide not to opt for any full coverage on your own vehicle.
Cheap full coverage car insurance quotes in Cottage Grove
Full coverage car insurance
in Cottage Grove includes both comprehensive and collision coverage. The average monthly cost in your town is $90 per month.Remember, these apply to your own vehicle and shield you from unexpected costs to repair or replace after a covered accident:
Collision coverage
takes care of the costs associated with collision-related damage like fixing or replacing a car after colliding with an animal or another vehicle. Comprehensive coverage
takes care of repair and replacement for non-collision damage like vandalism, natural disaster damage, or theft.
You can be compelled to carry full coverage by a lender or bank. Read your agreements carefully if you’ve financed or taken out a loan to purchase your vehicle. Once the loan is paid off, you have the option to cancel full coverage.
If you’re in Cottage Grove and you’re seeking affordable full coverage, join your neighbors in using Jerry to compare quotes and find low rates.
Last Updated Oct 13, 2024
Jerry is a leading insurance agency
with end-to-end service, a free app, and licensed insurance agents to help you find the best rates for your insurance needs. Cheapest uninsured motorist coverage quotes in Cottage Grove
Your UM coverage limits must match Oregon’s state liability limits: $25,000 per person and $50,000 per accident.
Uninsured motorist bodily injury protection
is required for all Cottage Grove drivers.Cheapest personal injury protection (PIP) quotes in Cottage Grove
Personal injury protection (PIP)
can pay out to cover medical expenses, lost wages, or even funeral expenses for each person involved in the accident.To comply with state law, Cottage Grove drivers must carry a minimum of $15,000 of PIP.
Note that Oregon is unique among at-fault states. You can sue another driver for damages (including pain and suffering) if they were at fault in the accident without any threshold that must be met first.