Are you intimidated by the wide range of auto insurance choices in Sand Springs? Many other drivers are as well. Consumers have so many options that it can turn into a big hassle to find better rates.
Consumers need to take a look at other company’s rates quite often because prices are adjusted regularly by insurance companies. Just because you found the best rates six months ago you will most likely find a better rate today. So forget all the misinformation about auto insurance because we’re going to show you how to use the internet to reduce your cost while increasing coverage.
How to Lower Your Auto Insurance Cost in Sand Springs, Oklahoma
There are a variety of methods to shop for auto insurance, but there is one way that is less time-consuming than others. You can spend your afternoon talking about coverages with insurance agencies in Sand Springs, or you could use online quotes to accomplish the same thing much quicker.
Many popular insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and at least one company returns a rated price for coverage. This system prevents you from having to do repetitive form submissions to each company. To get comparison pricing now click to open in new window.
The one disadvantage to getting quotes like this is that consumers can’t choose the companies to get quotes from. So if you want to select from a list of companies to compare prices, we have a listing of low cost auto insurance companies in Oklahoma. Click here for list of insurance companies in Oklahoma.
It’s your choice how you get your quotes, but compare exactly the same coverage limits for every company. If the quotes have unequal deductibles or liability limits it will be impossible to determine the best price in Sand Springs. Having just a slight variation in coverage limits may result in large price differences. Just keep in mind that obtaining a wide range of quotes provides better odds of finding a lower rate.
Discounts are basically free money
Companies offering auto insurance don’t always list all available discounts in a way that’s easy to find, so we researched both the well known and the more hidden savings tricks you should be using.
- Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
- Multiple Policy Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
- Distant Student – Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
- Lower Rates for Military – Being deployed with a military unit can result in better rates.
- Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
- Senior Discount – Mature drivers may receive a small decrease in premiums.
- Safety Course Discount – Taking part in a course in driver safety can save you 5% or more if your company offers it.
- Accident Free – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
Keep in mind that most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.
To choose providers offering auto insurance discounts in Sand Springs, click this link.
Which insurance is the “right” coverage?
When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.
Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.
- What companies insure drivers after a DUI or DWI?
- What discounts do I qualify for?
- What can I do if my company denied a claim?
- Do I pay less if my vehicle is kept in my garage?
- Does my insurance cover a custom paint job?
- Exactly who is provided coverage by my policy?
- Should I put collision coverage on all my vehicles?
- I have good health insurance, so how much medical payments coverage do I need?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.
Lower the Price of Insurance with These Tips
It’s important that you understand the rating factors that go into determining auto insurance rates. Having a good understanding of what determines base rates enables informed choices that can help you get better auto insurance rates.
Listed below are some of the items auto insurance companies consider when setting your rates.
- Discounts for multiple policies – Many insurers provide better rates to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, it’s in your best interest to compare other company rates to ensure the best deal.
- Performance level impacts rates – The performance level of the car you are buying insurance for makes a big difference in the rate you pay. The lowest rates are usually for low performance passenger models, but the cost you end up paying is determined by many additional factors.
- Frequent auto insurance claims increase rates – If you are a frequent claim filer, you can definitely plan on higher rates. Auto insurance companies in Oklahoma give better rates to drivers who do not file claims often. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
- Do you know your deductibles? – Your deductibles represent how much money you are required to spend in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more money you’re willing to pay, the less your company will charge you for insurance.
- Lower rates come with age – Older drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers tend to get distracted easily behind the wheel and because of this, their auto insurance rates are much higher.
- Car features impact rates – Owning a car with a theft deterrent system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
- How’s your driving record? – Even a single moving violation may increase your cost twenty percent or more. Drivers with clean records get better rates compared to drivers with tickets. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with their state DMV in order to keep their license.
- Where you reside plays a part – Residing in a small town has it’s advantages when buying auto insurance. Fewer drivers translates into fewer accidents and a lower car theft rate. City drivers tend to have congested traffic and longer commutes to work. Longer commute distances translates into higher accident risk.
In conclusion
You just read quite a bit of information on how to lower your auto insurance rates. The key concept to understand is the more providers you compare, the better your comparison will be. You may be surprised to find that the best prices are with an unexpected company.
Lower-priced auto insurance is definitely available both online and also from your neighborhood Sand Springs agents, and you should be comparing both so you have a total pricing picture. Some companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
Consumers switch companies for a number of reasons such as being labeled a high risk driver, high prices, questionable increases in premium or even delays in paying claims. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.
Online resources for education
Additional detailed information can be found at the Oklahoma Insurance Department website. Oklahoma drivers can read state legal mandates and laws, read consumer alerts, download brochures, and get help finding coverage.