8 Excellent Ways to Lower Auto Insurance Cost in Oklahoma City, Oklahoma

Buying affordable Oklahoma City auto insurance on the web can be problematic for consumers not familiar with price shopping online. Since there are so many online companies, how can you even start to compare them all to find the cheapest rates?

How to Get Cheap Auto Insurance in Oklahoma City, OK

All major auto insurance companies like 21st Century, Allstate and State Farm give pricing on the web. Obtaining pricing is quite easy as you just type in your required coverages into the quote form. After the form is submitted, their system collects information on your driving record and credit history and generates a price based on these and other factors.

Quoting online simplifies rate comparisons, but the time required to go to different websites and complete many quote forms is not the best way to spend an afternoon. But it’s absolutely necessary to do this in order to get better prices.

There is a better way to compare rates

The easiest way to find lower prices makes use of a single form that gets prices from a bunch of companies at once. This type of form saves time, reduces the work, and makes online quotes much more enjoyable and efficient. After sending your information, it is rated and you can choose any one of the resulting price quotes.

If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process can be completed in less than 10 minutes and may result in a nice savings.

To save time and find out how much you can save on auto insurance, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you replicate deductibles and limits identical to your current policy. Doing this guarantees you will be getting a rate comparison using the exact same coverages.

Don’t miss these discounts

Car insurance can cost a lot, buy you may qualify for discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for prior to getting the savings.

  • Government Employees – Simply working for the federal government may qualify you for a discount with select insurance companies.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more than drivers with accident claims.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Sign Online – Some insurance companies give back up to $50 simply for signing on their website.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.

It’s important to note that most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help reduce the cost of coverage.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-82.jpg" alt="Car insurance in Oklahoma” />

For a list of providers offering auto insurance discounts in Oklahoma, click here.

Your local neighborhood insurance agent

Some people would rather talk to a local agent and that is a personal choice. One of the best bonuses of getting online price quotes is you can get lower rates but still work with a licensed agent. Supporting small agencies is important especially in Oklahoma City.

To find an agent, once you fill out this quick form, the quote information is submitted to participating agents in Oklahoma City who will return price quotes for your coverage. You won’t need to drive around due to the fact that quote results will go straight to your inbox. How cool is that?! You can find the lowest rates and a licensed agent to work with.

If you prefer to contact a specific insurance agent in Oklahoma City, simply jump to this page.

Selecting an insurance company shouldn’t rely on just the bottom line cost. Agents should be asked these questions:

  • Can they give you a list of client referrals?
  • If they are an independent agency, which companies do they recommend?
  • 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?
  • Which members of your family are coverage by the policy?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • What will you get paid if your car is a total loss? How is that amount determined?

Once you have received positive feedback to any questions you have and an affordable coverage quote, you may have just found a company that can adequately provide auto insurance.

Is my situation unique?

When it comes to buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can help discover whether or not you would benefit from professional advice.

  • What companies insure drivers after a DUI or DWI?
  • Are split liability limits better than a combined single limit?
  • What if I don’t agree with a claim settlement offer?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the financial responsibility laws in Oklahoma?
  • Does my car insurance cover rental cars?
  • Is business equipment covered while in my vehicle?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance in Oklahoma

Lower your Oklahoma City Auto Insurance Rates

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for auto insurance. Understanding what determines base rates enables informed choices that may reward you with big savings.

  • Being married is a good thing – Having a wife or husband can actually save you money on your policy. Having a spouse translates into being more responsible it has been statistically shown that drivers who are married are more cautious.
  • No coverage gaps is important – Letting your insurance expire will be a quick way to increase your auto insurance rates. And not only will your rates increase, getting caught without coverage will get you a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with the Oklahoma department of motor vehicles.
  • Battle of the sexes – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Men and women cause accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as reckless driving.
  • More miles equals more premium – The more you drive each year the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your auto insurance policy properly reflects the correct driver usage.
  • High numbers of claims are not good – If you frequently file small claims, you can pretty much guarantee higher rates. Companies in Oklahoma give cheaper rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.

In the end, you save

People who switch companies do it for many reasons like questionable increases in premium, an unsatisfactory settlement offer, delays in paying claims or being labeled a high risk driver. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. In many cases, someone sacrificed full coverage only to discover later that it was a big error on their part. The ultimate goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Throughout this article, we presented a lot of information how to shop for auto insurance online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from the least-expected company.

For more information

Additional information is available on the Oklahoma Insurance Department website located here. Oklahoma drivers can get help finding coverage, view a list of available companies, find disaster information, and learn about specific coverages.