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This will vary with different insurance companies. To my knowledge there are no laws or regulations relating to this matter but generally the agency overseeing insurance companies in the state have access and approve the manner that each insurance company uses to rate policies. The best way to find out this fact is to ask your agent.
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Which companies provide car insurance in the state of OR?
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Auto Insurance.
Can you get auto insurance if you have not had auto insurance?
(autoinsurance.aains.us/low-cost-auto-insurance) maybe it will help you
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