Learn the Secrets to Paying Less for Bixby Auto Insurance

Are you sick and tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as the majority of other car owners in Oklahoma.

Because there are so many choices of insurance companies, it can be impossible to choose the lowest cost provider.

You need to price shop coverage yearly because insurance rates go up and down regularly. If you had the best price a couple years back you can probably find a better price now. Forget all the misinformation about auto insurance because you’re about to learn the quickest way to reduce your cost while improving coverage.

Companies offer discounts so take them!

Car insurance companies don’t always advertise all their discounts very well, so we researched both well-publicized and also the lesser-known auto insurance savings.

  • No Charge for an Accident – Some insurance companies allow you one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Save over 55 – Mature drivers may be able to get better auto insurance rates.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may save at least 10% off all policies.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save 10% or more off your medical payments premium.

A little note about advertised discounts, some credits don’t apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

To choose providers who offer auto insurance discounts in Oklahoma, click this link.

But don’t I need an insurance agent?

Certain consumers just want to talk to a local agent. One of the best bonuses of getting online price quotes is the fact that you can find lower rates and still have an agent to talk to.

By using this short form, the coverage information is emailed to local insurance agents who will return price quotes to get your business. There is no reason to even leave your home due to the fact that quote results will go straight to your inbox. How’s that for easy! You can find better rates without the usual hassles of price shopping.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-50.jpg" alt="Bixby car insurance prices“/>

Picking an insurer requires more thought than just the price. Ask your prospective agent these questions:

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Which members of your family are coverage by the policy?
  • If you have an accident, will your rates go up?
  • Can they provide you with a list of referrals?
  • How long have they worked with personal auto insurance coverage?
  • Do they specialize in personal lines coverage?
  • How long has their agency been in business in Bixby?

Types of insurance agents

If you’re trying to find local Bixby agents, there are a couple of different agency structures from which to choose. Agencies in Bixby are classified as either independent (non-captive) or captive.

Agency Captives

These agents can only write with one company such as Farmers Insurance, American Family, State Farm and Allstate. They are unable to place coverage with different providers so it’s a take it or leave it situation. Captive agencies receive extensive training on their company’s products which helps them compete with independent agents.

Shown below are captive insurance agencies in Bixby willing to provide rate quotes.

State Farm Ins Co – 15024 S Memorial Dr – Bixby, OK 74008 – (918) 366-2597

Independent Insurance Agents

These agents are not locked into one company but rather can write business with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part. When comparison shopping, we recommend you contact at least one independent agent to ensure the widest selection of prices.

Shown below is a short list of independent insurance agencies in Bixby willing to provide rate quotes.

insurance quote Bixby OK

Bixby Insurance Agency – 6338 E 165th St S – Bixby, OK 74008 – (918) 366-3199
Chip Seay Agency – 11134 S Memorial Dr # B – Bixby, OK 74008 – (918) 369-6666
Brown Insurance Agency LLC – 15105 S Memorial Dr – Bixby, OK 74008 – (918) 366-4880
Bixby Insurance Agency – 6338 E 165th St S – Bixby, OK 74008 – (918) 366-3199
Mark Musser Insurance – 11937 S Memorial Dr – Bixby, OK 74008 – (918) 366-7621

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

Upon getting acceptable answers to these questions and a low price estimate, you have narrowed it down to an insurance agency that will properly insure your vehicles.

Additional auto insurance links

More detailed Oklahoma auto insurance information can be read at the Oklahoma Insurance Department website. Visitors are able to view agent and company licensing information, find out which companies have the most complaints, and download brochures.

Quote more, save more

Cheap auto insurance can be bought both online and also from your neighborhood Bixby agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

We covered a lot of techniques to get a better price on auto insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the most savings is with a small mutual company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.