Consumer Tested Strategies for Finding Low-Cost Bartlesville Oklahoma Car Insurance

If online car insurance comparisons are new to you, you may be confused by the vast number of companies competing for business in Bartlesville.

Save money by taking advantage of these discounts

Companies offering auto insurance don’t list all their discounts very well, so we break down some of the best known and the more hidden ways to save on car insurance. If you don’t get every credit possible, you are throwing money away.

  • Drivers Education – Require your teen driver to complete a driver education course if offered at their school.
  • Senior Discount – Older drivers may be able to get reduced rates.
  • Sign Online – A handful of insurance companies give back up to $50 just for signing your application over the internet.
  • Low Mileage – Keeping the miles down could be rewarded with discounted rates on garaged vehicles.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Multiple Cars – Insuring all your vehicles on the same car insurance policy can get a discount on all vehicles.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

To choose insurance companies offering car insurance discounts in Oklahoma, follow this link.

Compare the Market for Car Insurance in Bartlesville

Most major insurance companies like State Farm, Allstate and GEICO give coverage price quotes on the web. Getting quotes is pretty easy as you simply enter into a form. After you complete the form, the system will obtain your driving and credit reports and generates pricing information based on many factors.

Online quotes streamlines rate comparisons, but the process of having to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it’s absolutely necessary to compare as many rates as possible if you want to find a better rate.

The easy way to compare rates

The smarter way to find better car insurance pricing utilizes a single form to obtain quotes from multiple companies. This type of form saves time, reduces the work, and makes comparison shopping much more enjoyable. After your information is entered, it gets priced and you can choose any of the quote results. If you find a better price you can simply submit the application and buy the policy. The entire process takes just a few minutes to complete and may save quite a bit of money.

To find out if lower rates are available, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you input the coverage information exactly as they are listed on your policy. This guarantees you will be getting comparison quotes for exact coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that come into play when calculating your car insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get lower car insurance prices.

  • How credit affects car insurance rates – A driver’s credit score is a important factor in determining what you pay for car insurance. So if your credit history is lower than you’d like, you could potentially save money when insuring your by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • How many coverages with the same company – Many insurers give discounts to people who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you still need to compare rates to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.
  • Marriage pays dividends – Getting married actually saves money when buying car insurance. Marriage is viewed as being more responsible it has been statistically shown that drivers who are married are more cautious.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Safe vehicles cost less to insure – Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and lower rates for you.
  • Mature drivers pay less – Youthful drivers in Oklahoma tend to be more careless behind the wheel so they pay higher car insurance rates. Parents adding a teen driver onto a policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.

When should I use an insurance agent?

When buying the best car insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if you might need an agent’s assistance.

  • Where can I get insurance after a DUI in Oklahoma?
  • Why is insurance for a teen driver so high in Bartlesville?
  • How can I get high-risk coverage after a DUI?
  • When would I need rental car insurance?
  • What is high-risk coverage and where do I buy it?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Better coverage you can count on

Drivers who switch companies do it for a variety of reasons including high prices, not issuing a premium refund, denial of a claim or lack of trust in their agent. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

price insurance in Oklahoma

Discount car insurance is possible from both online companies and with local Bartlesville insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer online price quotes and these regional insurance providers work with independent agents.

We just showed you quite a bit of information on how to save on car insurance. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced car insurance comes from a smaller regional carrier.

More information about car insurance

More detailed Oklahoma car insurance information can be found at the Oklahoma Insurance Department website. Oklahoma drivers can view a list of available companies, find out which companies have the most complaints, and read industry bulletins.

Other informative sites include this page for car insurance prices in Oklahoma and this page of insurance agents in Bartlesville.