Professional Tips to Paying Less for Yukon Auto Insurance

Have you fallen victim to an underperforming, overpriced auto insurance policy? Believe me when I say there are many Yukon consumers feeling the pinch from expensive auto insurance. Lots of auto insurance companies contend to insure your vehicles, and because of this it can be hard to compare insurance companies to find the absolute lowest rate

If you have insurance now or are looking for a new policy, you will benefit by learning to find the best rates while maintaining coverages. Choosing the best insurance company for you in Yukon is easy if you know what you’re doing. Oklahoma vehicle owners just need to know the most effective way to compare prices online.

Cut your premium with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically when you get a quote, but a few must be specially asked for prior to receiving the credit. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.

Keep in mind that many deductions do not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will cut your overall premium however.

Price shop online but buy from a local Yukon agent

Some people just want to sit down with an agent. Good agents are trained to spot inefficiencies and give you peace of mind. The best thing about comparing rates online is that you can obtain lower rates but still work with a licensed agent. Supporting local insurance agencies is definitely important in Yukon.

After completing this quick form, your information is immediately sent to participating agents in Yukon who will compete for your coverage. You won’t need to even leave your home since price quotes are sent straight to your inbox. It doesn’t get any easier!

Multiple types of auto insurance agents in Yukon

When looking for a reliable agent, you must know there are a couple different agency structures to choose from. Insurance agencies in Yukon are categorized either independent or captive. Both types can properly insure your vehicles, but it’s worth learning how they are different since it can impact the selection process.

Independent Agencies or Brokers

Independent agencies are not locked into one company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency.

When shopping rates, you should always contact at least one independent agent for the best price selection.

Shown below is a list of independent agencies in Yukon that are able to give comparison quotes.<img class="alignright" style="padding-top:15px;" src="" alt="Yukon Oklahoma auto insurance“/>

Wiedemann Insurance Inc – 211 S 4th St # B – Yukon, OK 73099 – (405) 354-7920
John W Mercer Insurance – 933 S Cornwell Dr – Yukon, OK 73099 – (405) 354-7739

Captive Insurance Agents

Captive insurance agents work for only one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. They usually cannot shop your coverage around so they have no alternatives for high prices. Captives receive extensive training in insurance sales and that can be a competitive advantage.

The following are Yukon captive insurance agents that are able to give price quotes.

State Farm Insurance – 415 E Main St # 2 – Yukon, OK 73099 – (405) 354-4866

For a complete listing of auto insurance agents in Yukon, visit this link.

Selecting a car insurance agent requires more thought than just the price. These are valid questions to ask:

  • Does the agency have a good rating with the Better Business Bureau?
  • Does the agency support the community they serve?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

Once you have received satisfactory answers to your questions and locked in a price quote, you’ve probably found an insurance agent that is a good match to service your policy.

Is there truth in advertising?

Consumers in Oklahoma get pounded daily by advertisements for cheaper car insurance by companies like 21st Century, Allstate and State Farm. All the ads say the same thing about savings if you change to them.

How do they all claim to save you money? This is how they do it.

save money image

Different companies are able to cherry pick for the type of driver that earns them a profit. A good example of a driver they prefer could possibly be between the ages of 40 and 55, insures multiple vehicles, and has great credit. Any new insured who matches those parameters will qualify for the lowest rates and most likely will cut their rates substantially.

Potential insureds who fall outside the “perfect” profile will have to pay more money which usually ends up with business going elsewhere. The ads state “people who switch” not “everybody who quotes” save that much. That’s why companies can make the claims of big savings.

Because of the profiling, it’s extremely important to get as many comparisons as possible. Because you never know which insurance companies will fit your personal profile best.

Much more information about auto insurance in Oklahoma is available on the website for the Oklahoma Insurance Department through this link. Oklahoma drivers can view agent and company licensing information, view a list of available companies, file complaints about an insurance agent or broker, and learn about insurance regulations.

These articles may also be worth reading.

More effort can pay off

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that it was a big mistake. The ultimate goal is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Lower-priced auto insurance can be bought from both online companies and with local Yukon insurance agents, so compare prices from both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.