Ultimate Techniques for Cheap Oklahoma City Car Insurance

Finding better rates for Oklahoma City car insurance is hard for consumers new to comparing rates online. Drivers have so many options available that it can turn into more work than you anticipated to find the best price in Oklahoma City.

You should make it a habit to do rate comparisons on a regular basis because rates are constantly changing. If you had the best rates last year there may be better deals available now. You can find a lot of wrong information about car insurance on the web, but with this article, you’re going to get some solid techniques on how to save money.

You have some control over your rates

Consumers need to have an understanding of some of the elements that help determine your car insurance rates. Understanding what determines base rates enables informed choices that may reward you with lower car insurance prices.

The following are a few of the “ingredients” car insurance companies consider when setting rates.

  • Never allow your policy to lapse – Driving with no insurance is against the law and you will pay a penalty because you let your insurance lapse. Not only will you pay more, but not being able to provide proof of insurance may earn you a license revocation or jail time.
  • Policy add-ons can waste money – There are many extra coverages that you can buy on your policy. Things like rental car reimbursement, towing coverage and additional equipment coverage are examples of these. These coverages may sound good when talking to your agent, but now you might not need them so remove them from your policy.
  • Drive a safer car and pay less – Safer cars tend to have better insurance rates. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates.
  • Don’t sacrifice liability coverage – Liability coverage is the protection if ever a court rules you are at fault for damages from an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Your location is important – Choosing to live in a rural area can save you money when it comes to car insurance. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Fewer people means reduced accidents as well as less vandalism and auto theft.

Automobile Insurance Quotes in Oklahoma City

There are a lot of ways to compare car insurance prices and some are easier and takes less work. You could waste time talking about coverages with local insurance agents in Oklahoma City, or you could save time and use the web to get pricing more quickly.

All the larger companies belong to an insurance system that allows shoppers to only type in their quote data once, and each company then returns a price quote based on that information. This eliminates the need for quote forms to every company.

To compare rates using this form now click to open in new window.

The single downside to using this type of form is buyers cannot specifically choose which carriers to receive prices from. So if you prefer to pick individual companies to request quotes from, we have assembled a list of companies who write car insurance in Oklahoma. Click here for list of insurance companies in Oklahoma.

Whichever way you use, compare exactly the same coverage limits for each price quote. If you have different values for each quote it’s not possible to determine the best price in Oklahoma City. Having just a slight variation in coverages may cause a big price difference. It’s important to know that obtaining a wide range of quotes provides better odds of finding better pricing.

Can you really save that much by switching?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to say the same thing of big savings if you move your coverage to them. But how can every company make almost identical claims? This is how they do it.

All companies have a preferred profile for the driver that is profitable for them. An example of a profitable customer might be over the age of 40, is a homeowner, and has a short commute. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who don’t meet the “perfect” profile will have to pay higher rates which usually ends up with business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much. That’s why insurance companies can confidently advertise the way they do. Because of the profiling, you should get as many quotes as possible. It is impossible to predict which insurance companies will give you the biggest savings.

Policy discounts you shouldn’t miss

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so here is a list some of the best known and the more hidden ways to save on car insurance.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-35.jpg" alt="Car insurance in Oklahoma City” />

  • Low Mileage Discounts – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less than drivers with accidents.
  • Good Student – This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.

A little note about advertised discounts, most credits do not apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of insurers with discount car insurance rates in Oklahoma, follow this link.

Your local neighborhood insurance agent

Some people just want to sit down with an agent and that is just fine! The biggest benefit of comparing rates online is you can get better rates and still choose a local agent.

To make it easy to find an agent, after completing this short form, your insurance data gets sent to local insurance agents in Oklahoma City who will give you bids for your business. There is no reason to leave your house due to the fact that quote results will go immediately to your email address. How’s that for easy! You can find the lowest rates and work with a local agent.

Picking a company shouldn’t rely on just the bottom line cost. Ask your prospective agent these questions:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Is working in the agency their full-time job?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Who are their largest clients?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • How long have they worked with personal auto insurance coverage?
  • Do they specialize in personal lines coverage?
  • Can they provide you with a list of referrals?

Two types of car insurance agents

When looking for a local agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agents are classified as either independent or captive.

Captive Insurance Agents

Captive insurance agents work for only one company like Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so always compare other rates. They are very knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers often choose to use a captive agent partially due to the prominence of the brand and the convenience of having all coverages with one company.

Listed below is a short list of captive insurance agencies in Oklahoma City who can help you get rate quotes.

  • State Farm Insurance – 13801 N Pennsylvania Ave # F – Oklahoma City, OK 73134 – (405) 749-8100
  • Shelter Insurance – 8320 S Western Ave – Oklahoma City, OK 73139 – (405) 632-2751
  • Farmers Insurance Group – 3801 NW 63rd St – Oklahoma City, OK 73116 – (405) 842-0445
  • Liberty Mutual – 3503 NW 63rd St – Oklahoma City, OK 73116 – (405) 842-8900
  • Farm Bureau Insurance – 5909 NW Expressway St # 103 – Oklahoma City, OK 73132 – (405) 844-9127
  • Allstate Insurance – 3925 N Lincoln Blvd # D – Oklahoma City, OK 73105 – (405) 521-1999
Independent Agencies or Brokers

Independent agents are not employed by any specific company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparison shopping, it’s a good idea to include at a minimum one independent agency to get the best comparison. They also have the ability to place coverage with smaller regional carriers which may provide better rates.

Listed below is a list of independent insurance agents in Oklahoma City who can help you get rate quotes.

  • Schlegel Agency – 6100 N Drexel Blvd # A – Oklahoma City, OK 73112 – (405) 848-3741
  • Williams Agency – 4805 NW 29th St – Oklahoma City, OK 73127 – (405) 949-9866
  • Oklahoma Farm Bureau Insurance – 5101 N Council Rd – Oklahoma City, OK 73132 – (405) 495-5433
  • Amerisurance Agency – 11212 N May Ave # 101a – Oklahoma City, OK 73120 – (405) 751-0012
  • OHA Insurance – 4000 N Lincoln Blvd – Oklahoma City, OK 73105 – (405) 290-5690

To view a full list of licensed insurance agents in Oklahoma City, simply jump to this page.

After getting good answers and an acceptable price quote, it’s possible that you found an insurance agency that will provide car insurance coverage.

Car insurance in Oklahoma City

Is my situation unique?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions can aid in determining whether you could use an agent’s help.

  • Is business property covered if stolen from my car?
  • Is my nanny covered when driving my vehicle?
  • Can I still get insurance after a DUI?
  • What are the financial responsibility laws in Oklahoma?
  • Can I drive in Mexico and have coverage?
  • Should I put collision coverage on all my vehicles?
  • Should I buy more coverage than the required Oklahoma minimum liability coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

Additional detailed information is available at the Oklahoma Insurance Department website. Oklahoma consumers can learn about specific coverages, download brochures, find out which companies have the most complaints, and file complaints about an insurance agent or broker.

In the end, you save

Throughout this article, we presented many tips how you can reduce car insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest premiums are with some of the smallest insurance companies.

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice physical damage coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to get the best coverage possible for the lowest price while still protecting your assets.

Budget-conscious car insurance can be sourced online and with local Oklahoma City insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.