Credit and Insurance. What does one have to do with the other? If you have bad credit your auto insurance will cost more in Oregon. If you have no credit, even worse. It's a good idea to establish some kind of credit if you have none.
How do you get credit? You have to take out a credit card. Debit card doesn't count. Must be a credit card like VISA or MasterCard. Then buy something with it or pay a bill. Then, take a couple months to pay it off. Just don't get used to using the card. You want to be able to show on the credit bureau reports that you are creditworthy; if you borrow something, that you give it back!