Finding lower premiums on Sapulpa car insurance is always a challenge for consumers new to shopping for insurance online. You have so many companies to choose from that it can turn into a real challenge to find lower rates in Sapulpa.
Discounts are basically free money
Insurance can be prohibitively expensive, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but some must be manually applied prior to receiving the credit.
- Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% with select insurance companies.
- Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
- Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
- Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on car insurance.
- Discount for Good Grades – Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
- Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
- Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will bring down the cost of coverage.
Buying car insurance from a local agent
A small number of people would prefer to talk to a local agent and there is nothing wrong with that. The biggest benefit of price shopping on the web is that you can obtain the best rates and still choose a local agent. And providing support for small agencies is definitely important in Sapulpa.
To find an agent, once you fill out this form (opens in new window), your coverage information is instantly submitted to local insurance agents who will return price quotes for your coverage. There is no reason to even leave your home because quoted prices will be sent immediately to your email address. Now that’s easy! You can find better rates and a licensed agent to work with.
Compare rates from both independent and captive car insurance agents
When finding local Sapulpa agents, there are two different types of agents to choose from. Agents are either independent or captive.
Independent Agencies or Brokers
Independent insurance agents do not work for one specific company but rather can write business with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.
When comparison shopping, it’s recommended you include multiple independent agents for maximum quote selection. Many write coverage with smaller regional carriers which can save you money.
Shown below is a list of independent insurance agents in Sapulpa who may be able to give you competitive price quotes.
- Insurance Sales Agency Inc – 208 E Dewey Ave # 200 – Sapulpa, OK 74066 – (918) 224-9370
- Mc Masters Insurance Counselor – 26 S Park St – Sapulpa, OK 74066 – (918) 224-5666
- Lon T Jackson Agency Inc – 26 S Park St – Sapulpa, OK 74066 – (918) 224-1245
- Lena’s Insurance Planning – – Sapulpa, OK 74066 – (918) 224-7679
Agency Captives
Captive agents have only one company to place business with like Liberty Mutual, State Farm, Allstate and AAA. Captives cannot provide prices from multiple companies so they have to upsell other benefits. Captive agents are well schooled in insurance sales which helps them compete with independent agents. Some people will only purchase coverage from captives mostly because of loyalty to the company and strong financial ratings.
Shown below is a list of captive insurance agents in Sapulpa that can give you price quotes.
- Shelter Insurance – 401 S Main St – Sapulpa, OK 74066 – (918) 224-7010
- State Farm Insurance – 127 E Dewey Ave – Sapulpa, OK 74066 – (918) 224-1727
To view a complete directory of captive agencies in Sapulpa, view this link.
Choosing a car insurance agent requires more thought than just the bottom line cost. These questions are important to ask:
- What are the financial ratings for the companies they represent?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- What insurance companies do they work with?
- Do they assist clients in filing claims?
- What is the agency’s Better Business Bureau rating?
- Do they carry Errors and Omissions coverage?
- How much can you save by raising your physical damage deductibles?
Upon getting satisfactory answers for all questions you ask and a good coverage price, it’s possible that you found an insurance agent that meets your needs to service your policy.
Slick advertising tricks that work
State Farm, Geico and Progressive regularly use ads on television and other media. All the companies make an identical promise that you’ll save big if you move your policy. How can each company make almost identical claims?
All companies are able to cherry pick for the right customer that is profitable for them. For instance, a preferred risk could possibly be between 25 and 40, is a homeowner, and has great credit. A driver that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.
Drivers who don’t meet the “perfect” profile will have to pay a more expensive rate and this can result in the customer not buying. The ads say “customers who switch” not “people who quote” save money. That’s the way companies can truthfully state the savings.
Because of the profiling, you need to get a wide range of price quotes. It’s just too difficult to predict which company will have the lowest rates.
Additional car insurance information is available on the Oklahoma Insurance Department website located here. Oklahoma drivers can learn about specific coverages, discover disciplinary actions, and read industry bulletins.
Educate yourself about car insurance coverages
Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your vehicle.
Since many Oklahoma drivers carry very low liability coverage limits (25/50/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.
Collision insurance
This coverage will pay to fix damage to your vehicle resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as rolling your car, crashing into a building, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.
Auto liability
Liability insurance can cover damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.
Liability coverage pays for things like funeral expenses, emergency aid, structural damage and loss of income. How much liability should you purchase? That is up to you, but consider buying as much as you can afford. Oklahoma requires drivers to carry at least 25,000/50,000/25,000 but you should think about purchasing more liability than the minimum.
Comprehensive coverage
This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like hail damage, fire damage, vandalism and a broken windshield. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical payments coverage and PIP
Med pay and PIP coverage provide coverage for expenses for things like prosthetic devices, X-ray expenses, rehabilitation expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage
And the best car insurance company is…
We just covered some good ideas how to save on car insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the lowest premiums are with some of the lesser-known companies.
As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
Lower-priced car insurance can be found from both online companies and also from your neighborhood Sapulpa agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.