Bixby Oklahoma Car Insurance Savings the Companies Don’t Want You to Know About

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are many people just like you. Because you have many companies to choose from, it can be challenging to find the right insurer.

It’s important to do rate comparisons every six months because prices are usually higher with each renewal. Just because you had the best deal last year other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the easiest way to find better coverage at a better price.

The purpose of this article is to familiarize you with how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you should be able to save some money using this strategy. Oklahoma drivers just need to know the most effective way to compare price quotes over the internet.

How to Lower Your Car Insurance Cost in Bixby, Oklahoma

Most companies like Progressive, GEICO, Allstate and State Farm provide coverage prices directly from their websites. Obtaining pricing doesn’t take much effort as you simply type in your personal and coverage information as detailed in the form. After you submit the form the system will obtain credit information and your driving record and generates a price based on many factors. This streamlines rate comparisons, but having to visit several different sites and type in the same information is monotonous and tiresome. But it is imperative to get many rate quotes if you are searching for the lowest price.

A more efficient way to get multiple rate quotes is to use a quote form that gets prices from multiple companies. The form is fast, requires less work, and makes comparison shopping much more enjoyable and efficient. Once the form is submitted, it is rated with multiple companies and you can pick your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

To get comparison pricing now, click here and complete the simple form. If you have coverage now, it’s recommended you type in coverages and limits identical to your current policy. This way, you’re receiving rate comparison quotes based on the exact same insurance coverage.

Discounts can save BIG

Car insurance can cost a lot, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but some must be asked about prior to getting the savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

• Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
• Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
• Pay Upfront and Save – If you pay your bill all at once instead of paying each month you can actually save on your bill.
• Homeowners Discount – Owning a house in Bixby may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
• Student Driver Training – Require your teen driver to take driver’s ed class if offered at their school.

Consumers should know that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck. But all discounts will help reduce your premiums.

Will just any policy work for me?

When it comes to choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight whether you could use an agent’s help.

• What is the minimum liability in Oklahoma?
• Am I covered if I crash into my own garage door?
• Do I need medical payments coverage since I have good health insurance?
• Do I get a pro-rated refund if I cancel my policy early?
• Do I have any recourse if my insurance company denies a claim?
• What are the best liability limits?
• Does medical payments coverage apply to all occupants?
• Is Oklahoma a no-fault state?
• What discounts do I qualify for?
• Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Additional information is located on the website for the Oklahoma Insurance Department located here. Oklahoma consumers can file complaints about an insurance agent or broker, download brochures, read industry bulletins, and read enforcement actions against agents and companies.

Other useful links include this resource for Oklahoma car insurance prices and this link which helps you find a Bixby agent.