10 Must-Know Tricks When Buying Owasso, OK Car Insurance

Buying the lowest cost Owasso car insurance on the web is rather challenging for beginners to comparing rates online. With so many choices of companies competing online, how can anyone possibly compare every company to locate the best available rates?

Compare the Market for Car Insurance in Owasso

There are several ways to compare quotes from different in Owassoinsurance companies. By far the easiest way to find the cheapest insurance rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

  • The single most time-saving way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for separate quotation requests for every car insurance company. A single form gets you coverage quotes instantly. Recommended for those who want to invest the least amount of time.
  • A more difficult way to obtain and compare quotes online is to take the time to go to the website of each company and request a quote. For example, let’s say you want to compare State Farm, Liberty Mutual and Allstate. You would have to go to every website and enter your information, which is why the first method is quicker.

    For a list of links to insurance companies in Owasso, click here.

  • The least recommended way of comparing rate quotes is driving to local Owasso insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you require the professional guidance that only a license agent can provide. However, consumers can compare online quotes but still have the advice of a local agent. We’ll cover that shortly.

However you get your quotes, ensure you’re using apples-to-apples deductibles and coverage limits with each company. If the quotes have mixed coverages then you won’t be able to find the best deal in Owasso. Just a small difference in limits may result in large price differences. And when quoting car insurance, remember that comparing more company’s prices will increase your chances of finding a lower rate.

Discounts can save BIG

Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Government Employees – Simply working for the federal government may qualify you for a discount with select insurance companies.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.
  • No Accidents – Drivers who don’t have accidents can earn big discounts when compared to accident-prone drivers.
  • Drive Less and Save – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Save over 55 – Older drivers may be able to get reduced rates.
  • Good Student – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurance companies with discount car insurance rates in Owasso, click here.

Are insurance agents a thing of the past?

Some people would rather visit with an insurance agent and that is a personal choice. The best thing about comparing insurance prices online is the fact that you can find lower rates and still choose a local agent.

After completing this quick form, your information is emailed to local insurance agents in Owasso who will battle for your insurance coverage. You don’t have to leave your house since price quotes are sent to your email. How cool is that?! It’s the lowest rates without the usual hassles of price shopping.

Deciding on a company should depend on more than just the bottom line cost. Some important questions to ask are:

  • Do the companies they represent have a solid financial rating?
  • Do they review policy coverages at every renewal?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Who are their largest clients?
  • Are they able to influence company decisions when a claim is filed?
  • If your car is totalled, how to they determine the replacement cost?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

The difference between Owasso insurance agents

When researching a reputable insurance agent or broker, there are a couple of types of agencies that differ in how they can insure your vehicles. Insurance agencies in Owasso can either be independent (non-captive) or captive.

Captive Agents

This type of agents are contracted to one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to shop your coverage around so it’s a take it or leave it situation. Captive agencies are very knowledgeable on their company’s products which can be an advantage. Consumers sometimes purchase coverage from captives mainly due to loyalty to the company and solid financial strength.

The following is a short list of captive agencies in Owasso who can help you get comparison quotes.

  • Allstate Insurance – 8263 N Owasso Expy # A – Owasso, OK 74055 – (918) 272-1000
  • State Farm Insurance – 11620 E 86th St N – Owasso, OK 74055 – (918) 272-6221
  • Shelter Insurance – 8414 N 123rd East Ave # C – Owasso, OK 74055 – (918) 274-8331
  • Farmers Insurance Group – 8418 N 123rd East Ave – Owasso, OK 74055 – (918) 272-2208
  • Farm Bureau Insurance – 427 E 2nd Ave – Owasso, OK 74055 – (918) 376-1933
Independent Agents (or Brokers)

Independent agents are not employed by any specific company so they have the ability to put coverage with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part.

When shopping rates, you should always include multiple independent agents to have the most options to choose from. They often place coverage with smaller regional carriers which can save you money.

Shown below is a list of independent agents in Owasso that can give you comparison quotes.

  • Guide One Insurance – 11880 E 86th St N # B – Owasso, OK 74055 – (918) 272-2100
  • Cheryl Drake Insurance Svc – 8819 N 145th East Ave # 201 – Owasso, OK 74055 – (918) 272-5114
  • American National Kirby Agency – 8818 N 127th East Ave – Owasso, OK 74055 – (918) 376-9890
  • Cloyd O’Dell Agency – 8506 N 128th East Ave – Owasso, OK 74055 – (918) 272-4700

To view a complete directory of Owasso insurance agents, go to this page.

After getting reasonable responses and a low price estimate, most likely you have located an auto insurance agent that meets your needs to service your policy.

Your personal situation dictates your coverage

When choosing the best car insurance coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Am I covered when using my vehicle for business?
  • Does my car insurance cover rental cars?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving in Canada or Mexico?
  • Are all vehicle passengers covered by medical payments coverage?
  • What are the financial responsibility laws in Oklahoma?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • At what point should I drop full coverage?
  • Is my dog or cat covered if injured in an accident?
  • When should I not file a claim?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Save Money with These Tips

Consumers need to have an understanding of some of the elements that help determine the price you pay for car insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

The following are some of the factors companies use to determine rates.

  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • Do you know you’re credit rating? – Your credit score is a large factor in calculating your car insurance rates. Therefore, if your credit history is lower than you’d like, you could be paying less to insure your by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Do you work long hours in a high stress job? – Did you know your car insurance rates can be affected by your occupation? Occupations like doctors, business owners and accountants tend to pay higher rates than average in part from high stress and lots of time spent at work. On the flip side, professions such as pilots, athletes and homemakers have the lowest average rates.
  • Pleasure use saves money – The higher the mileage driven in a year the more you will pay for car insurance. Almost all companies rate vehicles based on their usage. Cars left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your car insurance declarations sheet shows the correct usage for each vehicle.
  • Performance makes a difference – The make and model of the car you drive makes a significant difference in how high your rates are. The lowest base rates are generally reserved for small economy passenger cars, but other factors influence the final cost greatly.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies in Oklahoma provide better rates to insureds who do not file claims often. Car insurance is intended for the large, substantial claims.

The best insurance company isn’t always the cheapest

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where an insured dropped liability coverage limits to discover at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

We just presented many tips how you can reduce car insurance prices online. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. You may even discover the biggest savings come from some of the lesser-known companies.

Affordable car insurance is available from both online companies and with local Owasso insurance agents, so you should compare both to have the best rate selection. Some companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Oklahoma car insurance information

Additional detailed information is located at the Oklahoma Insurance Department website. Visitors are able to file complaints about an insurance agent or broker, file complaints about a company, discover disciplinary actions, and learn about specific coverages.