Discover the Secrets to Cheaper Enid, OK Car Insurance

Are you sick and tired of not being able to afford to insure your vehicles every month? You are no different than many other drivers in Oklahoma. Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates to find the lowest rate

It’s smart to shop coverage around every six months since rates go up and down regularly. If you had the lowest price six months ago you may be paying too much now. There is too much inaccurate information about car insurance online, so by reading this article, you’re going to learn a lot of great tips on how to slash your car insurance rates.

Quick Enid Car Insurance Quotes

Finding a lower price on insurance isn’t really that difficult. Consumers just need to invest a little time comparing rates from different insurance companies. This is very easy and can be done in a couple of different ways.

The recommended way consumers can analyze rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do a different quote to each individual car insurance company. Just one form will get you rate comparisons from many national carriers.

A different way to get quotes online requires visiting each company website to complete a price quote. For example, we’ll assume you want rates from Nationwide, Farmers and Travelers. To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

For a list of links to companies insuring cars in Enid, click here.

It’s your choice how you get your quotes, but make sure you use the exact same deductibles and coverage limits with every price quote. If you use different values for each quote it will be impossible to determine which rate is truly the best in Enid.

Slick advertising tricks that work

Oklahoma consumers can’t get away from ads for cheaper car insurance by State Farm, GEICO and Progressive. They all seem to have a common claim about savings after switching to their company.

But how can every company make almost identical claims? This is how they do it.<img class="alignright" style="padding-top:15px;" src="" alt="Oklahoma car insurance prices”/>

Different companies can use profiling for the type of driver that makes them money. For example, a preferred risk could possibly be over the age of 40, has no tickets, and has excellent credit. A driver who meets those qualifications will get the preferred rates and most likely will save a lot of money.

Potential customers who don’t measure up to the “perfect” profile will be quoted more money which leads to business not being written. The ad wording is “customers who switch” but not “drivers who get quotes” save that kind of money. This is how companies can make those claims. This emphasizes why it is so important to compare many company’s rates. You cannot predict the company that will have the lowest rates.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for the rating factors that come into play when calculating car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

The list below includes a partial list of the pieces that factor into prices.

  • Credit scores impact car insurance rates – A driver’s credit score is a big factor in your rate calculation. People with good credit tend to be more responsible than those with poor credit. If your credit score is low, you could potentially save money when insuring your by improving your rating.
  • Being married can save on car insurance – Being married actually saves money on car insurance. Marriage is viewed as being more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you.
  • Add-on coverages can add up – There are a lot of extra coverages that you can buy on your car insurance policy. Things like personal injury protection, towing coverage and motor club memberships may be wasting your money. These coverages may sound good at first, but if you don’t need them remove them from your policy.
  • Do you have enough liability coverage? – Liability coverage provides coverage if a court rules you are at fault for damages from an accident. It will provide legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Type of vehicle determines base rates – The make and model of the car you own makes a big 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.
  • Your location is important – Living in small towns and rural areas has it’s advantages when buying car insurance. Urban drivers have congested traffic and longer commutes to work. Less people living in that area means reduced accidents.
  • Where do you drive? – The more you drive every year the higher your rate. Most companies charge to insure your cars based on how the vehicle is used. Cars that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your car insurance policy shows the correct driver usage.

Discounts can save BIG

Auto insurance companies do not advertise every available discount very clearly, so we break down both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Clubs and Organizations – Being a member of a professional or civic organization is a good way to get lower rates when shopping for car insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Resident Student – Youth drivers who live away from home without a vehicle on campus can receive lower rates.
  • Government Employees – Employees or retirees of the government can save as much as 8% with a few car insurance companies.

It’s important to note that most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you can get free auto insurance, you won’t be that lucky.

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

Oklahoma car insurance prices

Best coverage at the best price

Low-cost car insurance is attainable from both online companies and with local Enid insurance agents, so compare prices from both to get a complete price analysis. A few companies do not offer online price quotes and these regional insurance providers work with independent agents.

In this article, we presented many ways to shop for car insurance online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even find the biggest savings come from the smaller companies. They may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

While you’re price shopping online, you should never reduce needed coverages to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Learn more about Oklahoma car insurance

More tips and info about car insurance is available at the Oklahoma Insurance Department website. Consumers can view agent and company licensing information, read enforcement actions against agents and companies, and read industry bulletins.