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Bend, Oregon Car Insurance


Bend, Oregon is a city that should expect to pay lower car insurance rates, but residents have experienced a rise in their premiums recently. Even though most indicators make Bend residents good risks for car insurance companies, a single statistic could keep rates high for the foreseeable future. Bend's auto theft rates jumped by 26% between 2009 and 2010. This dramatic increase in auto theft means that insurance rates will increase because every resident's risk of having their car stolen has gone up. That said, there are many things about Bend that make it a good place for lower insurance rates.

Large Number of Married Couples

More than half of the adults living in Bend are married. Married individuals can expect to pay lower insurance rates as long as they have a good general driving history. The reason rates go down for married couples is that they are less likely to drive during the risky late night and weekend hours when they would be more likely to be involved in an accident. Married couples, in general, tend to be a little more stable behind the wheel and drive in a more responsible manner.

Short Commute Times

The average commute time for Bend workers is 15 minutes from home to work. That means that very few residents drive more than 30 minutes a day during peak rush hours. The shorter traffic congestion window means that there is less chance of a traffic accident because of frustrated drivers or traffic jams. This statistic should help lower the insurance costs for commuters in Bend compared to commuters in larger cities who have longer commutes. The fewer miles you drive each year, the less you will pay for your car insurance in most cases.

Overall Crime Rates Dropping

In general, the crime rates in Bend are far below the average crime rates for cities in the United States. This statistic is usually good news for car insurance customers because it is one of the main ways that car insurance companies measure a driver's risk. The overall crime rate averages all types of crime. When you divide the crimes by type, it becomes clear why residents pay more for their car insurance. Violent crime such as murder and arson may be on a steep decline, but Bend residents are still dealing with rising insurance costs due to the rising automobile theft rates.

Auto Theft Reports Sharply Rising

Bend ranked 4th in Oregon for car thefts in 2010. Thieves are targeting common cars that can be difficult to track down once they are stolen, like the Honda Accord or Civic. They are mainly stealing models built before the use of electronic tracking devices became common equipment, so cars from the early 90s are particularly vulnerable.

Until the theft rates decline, Bend drivers will not be able to take advantage of the savings that they should expect in their otherwise low-risk driving environment. If you would like to learn more about the cost of insurance in Bend, enter your zip code into the form on this page.

What must you have if you wish to drive a car in Bend, Oregon? Other than the car itself and a valid driverís license, you will need to make certain you are properly insured. This is the law in the state of Oregon and it is imperative that you abide by this law, if you wish to avoid being fined for not having insurance.

There are many factors that can affect the price you pay for your car insurance that some people may just not be aware of. For instance, did you know that your credit rating will have a huge impact on the amount you have to pay for your car insurance? This is true, if you have a bad credit score, it can affect your insurance premiums.

The reason that your credit rating can affect the amount of insurance you pay is that the insurance company does not want to be responsible for your insurance premiums if you do not pay them. When you have a low credit score, there is a very good chance you may have to pay much more for your insurance.

So, it not only pays to make certain you do all you can to maintain the integrity of your credit score in more ways than one. It can really have a huge impact on your life, not only when it comes to borrowing money, but also when it comes to car insurance.

It is a good idea to know in advance what your credit score is because if you do not, you may get a huge surprise when it comes to your car insurance. So, know your credit score and there is a good chance you will ward off any surprises.