Gresham, OR Car Insurance

Gresham, OR, is a large town with 111,053 residents. If you're one of them and use the roadways, you're required to carry auto insurance. The state sets the minimum limits of coverage necessary to meet local law.

Fortunately, an independent insurance agent can help you find a policy that complies with guidelines. They have access to multiple markets so that you can save. Connect with a licensed professional to get started today.

Auto Insurance Requirements in Gresham, OR

Most states require auto insurance in some form or fashion. In Gresham, OR, you are mandated to carry the legal limits of protection. Check out the required auto insurance for Gresham, OR:

• A minimum liability of $25,000 per person/ $50,000 per accident/ $20,000 property damage.  
• Uninsured/ Underinsured motorists minimum liability limit of $25,000 per person/ $50,000 per accident/ $20,000 property damage
• Personal injury protection

Oregon has 12.7% of its drivers uninsured. That is just below the national average of 13.0%. The minimum limits are all that is required, but you may want more. Review your coverage options for accuracy.

Coverage Options in Gresham, OR

Your Gresham, OR, auto policy will come with minimum limits of liability, uninsured/ underinsured motorist, and personal injury protection. For anything else, you'll have to add it. In the meantime, check out some options:

• Gap coverage: Pays for the difference between your remaining loan balance and the market value when a total loss occurs.
• Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
• Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged. 
• Comprehensive coverage: Pays for property damage to your vehicle if it is damaged by a non-collision incident like a fire or vandalism.
• Collision coverage: Pays for property damage to your car in the event of a crash.

These optional coverages are just the starting point and should be discussed with a professional. Another form of protection is umbrella insurance. This policy will provide additional limits of liability above and beyond your underlying policy. It is used for more substantial losses.

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What Impacts Your Auto Insurance Premiums in Gresham, OR?

Personal data, outside elements, and more are used when determining your insurance costs. Since carriers use individualized items, your premiums will be different from your neighbor's. Check out rating factors the insurance companies use:

• The coverages you choose
• Policy discounts that may apply 
• Your claims history
• Your insurance score
• Catastrophes reported 
• Local crime rates 
• Your driving record

Premiums are a moving piece in any insurance policy. Things like local crime and weather losses are taken into account each year. Let's take a peek at the theft rates per 100,000 people:

• National average: 228.90
• Oregon average: 395.10
• Gresham average: 1,132.00

With Gresham having such a high rate of theft, you'll need more ways to cut costs. If you bundle your auto and home insurance with the same carrier, you can save. A discount of 30% or more is typical. 

Uber and Other Rideshare Services in Gresham, OR

If you drive for Uber or Lyft in Gresham, OR, you may be surprised to find you don't have coverage. Personal insurance policies will not cover rideshare or for-hire livery services. Since you are taking payment for transporting people, you are considered a business.

To have protection, you'll need a commercial auto policy. This coverage will give you the necessary limits for losses. Commercial insurance can be purchased through numerous carriers. 

How a Gresham, OR Independent Agent Can Help

When you're searching for auto insurance in Gresham, OR, consult with a professional. Auto coverage is mandated by state law and required for any driver on the road. To better navigate what's needed, get a licensed professional.

An independent insurance agent has access to several markets, saving you time and money. They work on your behalf at no cost to you. Get connected with a local expert on TrustedChoice for coverage.