Frustrated by the wide range of car insurance choices in Skiatook? Lot’s of other drivers are too. There are so many choices available that it can quickly become hard work to find better car insurance rates. Everyone knows that Skiatook is a great city to raise a family in, but the high cost of car insurance makes it difficult to afford good insurance coverage.
If you currently have car insurance, you will most likely be able to save some money using these techniques. Shopping for affordable protection in Skiatook is quite easy. Nevertheless, Oklahoma consumers do need to learn how companies price online insurance.
First Step: Get free car insurance quotes
Comparing car insurance rates can be challenging if you aren’t aware of the best way to get rate quotes. You could spend your day talking about coverages with local insurance agents in Skiatook, or you could save time and use online quoting to get pricing more quickly.
Many of the larger companies take part in a program that enables customers to enter their coverage request one time, and each company can provide price quotes based on that information. This prevents consumers from doing quote requests for every car insurance company.
To compare pricing click here to open in new window.
The only drawback to doing it this way is that you can’t choose which companies to get quotes from. So if you want to select specific providers to compare, we put together a list of the cheapest car insurance companies in Oklahoma. Click to view list.
Compare rates however you want, just make sure you use identical coverage data with every price quote. If you enter different coverage information you will not be able to determine which company has the best rates in Skiatook. Slightly different limits can make a big difference in price. Just remember that comparing all the rates in your area increases your odds of finding lower pricing.
Lower rate quotes by getting these ten discounts
Insurance can be prohibitively expensive, but companies offer discounts that many people don’t even know exist. Most are applied at the time of purchase, but some discounts are required to be inquired about prior to receiving the credit.
- New Vehicle Savings – Buying a new car instead of a used car can get you a discount because new model year vehicles have to meet stringent safety requirements.
- Low Mileage Discounts – Low annual miles can earn better rates on cars that stay parked.
- No Claim Discounts – Skiatook drivers who stay claim-free have much lower rates in comparison to insureds who have frequent claims or accidents.
- Theft Prevention System – Vehicles optioned with advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your .
- Save with More Vehicles Insured – Insuring multiple cars on one policy qualifies for this discount.
- Sign Online – Some companies will give a small break for buying a policy and signing up online.
- Responsible Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% than drivers with accident claims.
- Early Renewal Discounts – A few larger companies offer discounts for switching companies prior to your current policy expiration. Ten percent is about the average savings.
- Student in College – College-age children living away from home attending college without a vehicle on campus may be insured at a cheaper rate.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out a life policy as well.
A quick disclaimer, most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, that’s just not realistic. But any discount should help lower your policy premiums.
Large car insurance companies and some of their more popular discounts are outlined below.
- American Family offers discounts for Steer into Savings, multi-vehicle, good driver, good student, accident-free, air bags, and TimeAway discount.
- Farm Bureau may include discounts for good student, renewal discount, safe driver, youthful driver, and multi-policy.
- State Farm offers premium reductions for safe vehicle, Steer Clear safe driver discount, passive restraint, good driver, accident-free, and student away at school.
- Travelers may have discounts that include student away at school, good student, multi-policy, early quote, new car, and continuous insurance.
- The Hartford offers discounts including defensive driver, bundle, good student, air bag, anti-theft, vehicle fuel type, and driver training.
- GEICO may offer discounts for emergency military deployment, federal employee, defensive driver, multi-policy, and air bags.
- Progressive includes discounts for online quote discount, multi-vehicle, online signing, multi-policy, continuous coverage, good student, and homeowner.
Check with each company which discounts can lower your rates. Some discounts listed above might not apply in Skiatook. To see a list of companies that offer many of these discounts in Oklahoma, follow this link.
How do I know if I need professional advice?
When buying coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.
Here are some questions about coverages that can help discover whether or not you may require specific advice.
- Should I sign the liability waiver when renting a car?
- Is there coverage for injuries to my pets?
- Do I have coverage when making deliveries for my home business?
- Do I get a pro-rated refund if I cancel my policy early?
- Am I getting all the discounts available?
- Should I file a claim if it’s only slightly more than my deductible?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.
Car insurance specifics
Having a good grasp of a car insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.
Liability insurance – This will cover damage or injury you incur to other people or property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability insurance covers things such as pain and suffering, funeral expenses, repair costs for stationary objects, bail bonds and attorney fees. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford. Oklahoma state law requires minimum liability limits of 25,000/50,000/25,000 but drivers should carry better liability coverage.
Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as colliding with a tree, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your vehicle.
Because many people carry very low liability coverage limits (25/50/25 in Oklahoma), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Comprehensive car insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as vandalism, damage from flooding, hitting a deer, hitting a bird and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for medical expenses – Coverage for medical payments and/or PIP pay for expenses for rehabilitation expenses, doctor visits, funeral costs, EMT expenses and chiropractic care. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Additional reading for car insurance information
More detailed Oklahoma car insurance information is located at the Oklahoma Insurance Department website. Consumers can discover disciplinary actions, view a list of available companies, learn about insurance regulations, and learn about specific coverages.