Best cheap car insurance quotes in Lake Oswego
Under state law, all Lake Oswego drivers must carry liability coverage which includes bodily injury and property damage liability insurance. Depending on your circumstances, full coverage might be preferred to cover damage to your own vehicle.
All Oregonians must also carry uninsured motorist bodily injury coverage as well as personal injury protection (PIP). Auto insurance companies will offer this coverage to you automatically.
Cheap minimum liability insurance quotes in Lake Oswego
If you live in Lake Oswego and you drive, you are obligated to purchase at least the
state minimum car insurance requirements for liability coverage before getting behind the wheel.
In this state, the minimum required liability coverage levels are:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $20,000 per accident.
These coverages can be summed up as 25/50/20.
Do you need more than minimum coverage in Lake Oswego?
In Lake Oswego, it is common for drivers to seek higher liability coverage than what is mandated by the state's minimum requirement of 30/60/25.
If you cause an at-fault accident, paying for the costs of someone else’s medical expenses and car repairs could easily exceed the bare minimum limits. In other words, you’d be liable for anything above your policy’s coverage limits—and this could amount to thousands of dollars if the other party’s injuries were significant.
Cheap full coverage car insurance quotes in Lake Oswego
You can shield yourself from unexpected expenses by purchasing
full coverage car insurance, which will cover the costs to repair or replace your own vehicle after an accident.
Collision coverage covers the cost of collision-related damage, like fixing or replacing a car.
Comprehensive coverage pays for non-collision incidents like if your vehicle is vandalized or stolen, according to the state consumer’s guide to auto insurance.
If you have financed your car, your lender will mandate collision and comprehensive coverage to protect their investment.
Jerry helps Lake Oswego drivers find full coverage policies from the best car insurance companies at affordable prices.
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Cheapest uninsured motorist coverage quotes in Lake Oswego
Lake Oswego drivers must carry u
ninsured motorist bodily injury protection with limits that match the state liability limits—$25,000 per person and $50,000 per accident.
Cheapest personal injury protection (PIP) quotes in Lake Oswego
Drivers in Lake Oswego must also carry at least $15,000 of
personal injury protection (PIP). That’s the limit per person involved in the accident, and PIP can cover medical expenses, lost wages, or even funeral expenses.
One more note: Lake Oswego is located in Oregon, which 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.