Free Guide to Cutting Costs on Owasso Car Insurance Online

If online car insurance comparisons are new to you, you may be confused by the sheer number of online companies all offering big savings in Owasso.

Consumers should take time to shop coverage around once or twice a year since rates change frequently. Just because you had the best price a few years ago a different company probably has better rates today. Ignore everything you know about car insurance because you’re about to find out the things you must know in order to buy cheaper car insurance.

Comprehensive Owasso Car Insurance Comparison Quotes

Effectively comparing car insurance prices is a ton of work if you aren’t aware of the fastest way to get free quotes. You could waste time discussing policy coverages with insurance agencies in Owasso, or you can utilize the web to get the quickest rates.

The majority of car insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and at least one company can give them a price determined by their information. This saves time by eliminating quote forms for every car insurance company.

To compare rates now click here to start a free quote.

The single downside to using this type of system is you can’t choose the companies you want pricing from. So if you prefer to pick individual companies to request quotes from, we have a listing of low cost car insurance companies in Oklahoma. View list of Oklahoma insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing identical quote information for every quote you compare. If you compare unequal deductibles or liability limits you can’t possibly determine the best price in Owasso.

Ads can be misleading

Consumers in Oklahoma can’t ignore all the ads for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim that you’ll save big if you move your policy.

How does each company claim to save you money?

Different companies can use profiling for the right customer that makes them money. For instance, a profitable customer could be over the age of 40, has no prior claims, and drives less than 7,500 miles a year. A propective insured who fits that profile will get the preferred rates and most likely will save a lot of money.

Drivers who are not a match for the requirements will be charged higher rates and this can result in the customer not buying. Company advertisements say “customers that switch” not “people who quote” save that much. That’s the way companies can truthfully make the claims of big savings.

That is why it is so important to get as many quotes as possible. It’s not possible to predict which insurance companies will give you the biggest money image

Rate influencing factors

It’s important that you understand the factors that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

  • Older drivers pay less – Older insureds tend to be more responsible, file fewer claims and get fewer tickets. Youthful drivers are statistically proven to be more careless when behind the wheel and because of this, their car insurance rates are much higher.
  • Careful drivers pay lower rates – Even a single ticket can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Your location affects your rates – Living in a rural area is a positive aspect when talking about car insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Lower population means reduced accidents as well as less vandalism and auto theft.
  • Don’t skimp on liability – Your policy’s liability coverage will protect you if ever you are found to be at fault for damages from an accident. It provides legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Don’t cancel a policy without a new one in place – Allowing your car insurance policy to lapse will be a quick way to pay more for car insurance. Not only will you pay more, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may have to submit proof of financial responsibility or a SR-22 with the Oklahoma motor vehicle department to get your license reinstated.

Do you qualify for a discount?

Insurance can cost an arm and a leg, but there could be available discounts that many people don’t even know exist. Some trigger automatically when you complete an application, but a few must be specifically requested prior to receiving the credit. If you don’t get every credit possible, you are throwing money away.

  • Life Insurance – Larger companies have lower rates if you buy life insurance.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.
  • 55 and Retired – Mature drivers may receive a small decrease in premiums.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less than less cautious drivers.
  • Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Defensive Driving Course – Taking part in a driver safety course could cut 5% off your bill depending on where you live.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.

But don’t I need an insurance agent?

A small number of people would prefer to buy from a licensed agent. Insurance agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of comparing insurance prices online is the fact that you can find the lowest rates but also keep your business local. Buying from local businesses is important especially in Owasso.

By using this short form, your information is sent to participating agents in Owasso who will give you bids for your coverage. There is no need to leave your computer due to the fact that quote results will go straight to your inbox. Now that’s easy!

Owasso insurance agents are either independent or captive

When searching for a local agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Agents are categorized either independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s good to learn how they differ because it can influence your selection of an agent.

Independent Agents (or Brokers)

Independent agencies are not locked into one company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When shopping rates, we recommend you contact multiple independent agents to have the most options to choose from. They often place coverage with smaller regional carriers which may provide better rates.

Listed below is a short list of independent insurance agents in Owasso that may be able to provide pricing information.

  • American National Kirby Agency – 8818 N 127th East Ave – Owasso, OK 74055 – (918) 376-9890
  • Guide One Insurance – 12722 E 86th N – Owasso, OK 74055 – (918) 376-2300
  • Cheryl Drake Insurance Svc – 8819 N 145th East Ave # 201 – Owasso, OK 74055 – (918) 272-5114
  • Cloyd O’Dell Agency – 8506 N 128th East Ave – Owasso, OK 74055 – (918) 272-4700
Agency Captives

Captive agents work for only one company and some examples include State Farm or Allstate. These agents are not able to compare other company’s rates so they have no alternatives for high prices. Captive agencies are well schooled on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to buy from captive agents mainly due to the prominence of the brand and solid financial strength.

Shown below are captive insurance agencies in Owasso that are able to give rate quotes.

  • 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
  • Allstate Insurance – 9220 N Garnett Rd # B – Owasso, OK 74055 – (918) 272-3636
  • 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

To view a full list of captive agencies in Owasso, please go to this site.

Deciding on an insurance agency requires more thought than just the premium amount. These questions are important to ask:

  • How long have they worked with personal auto insurance coverage?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • If your car is totalled, how to they determine the replacement cost?
  • Is working in the agency their full-time job?
  • Are you getting all the discounts the company offers?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Do they assist clients in filing claims?
  • Will your rates increase after a single accident?

Once you have received reasonable responses to your questions and locked in a price quote, you have narrowed it down to an insurance agency that will adequately provide car insurance.

In conclusion

You just learned some good ideas how to lower your car insurance rates. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a small local company.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at the best price.

Lower-priced car insurance is definitely available online in addition to many Owasso insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

More information can be read on the Oklahoma Insurance Department website located here. Visitors are able to learn about insurance regulations, file complaints about a company, and learn about specific coverages.