Best Pricing for Lawton Oklahoma Car Insurance Companies

Finding good car insurance in Lawton can be challenging since choosing the right Lawton insurance agency takes more work than just using the same insurance agency as your neighbor. Consumers need a professional agent, but also the best price on car insurance.

Insurance companies such as GEICO and Progressive increase brand awareness with fancy advertisements and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

Quote online but work with a neighborhood agent

Agents can point out coverage gaps and give you peace of mind. One of the great benefits of price shopping on the web is you can get the lowest rates and still have an agent to talk to.

To help locate an agent, after submitting this simple form, your information is emailed to local insurance agents who will give you bids for your insurance coverage. You never need to drive around since price quotes are sent straight to your inbox. Now that’s easy!

Deciding on an insurance agency requires more thought than just a cheap price. Some important questions to ask are:

  • Are there any discounts that you might be missing?
  • What insurance company do they write the most business with?
  • How much will you save each year by using a higher deductible?
  • Can they give you a list of client referrals?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Do they specialize in personal lines coverage?
  • Who is covered by the car insurance policy?

Is a captive or independent insurance agent right for you?

When searching for a reliable agent, there are two types of agencies to choose from. Lawton agents are either captive or independent (non-captive). Both properly insure your vehicles, but it’s worth mentioning the difference between them since it can impact the selection process.

Captive Insurance Agents

Captive insurance agents can only write with one company like AAA, Allstate and State Farm. These agents are not able to provide prices from multiple companies so they have to upsell other benefits. These agents are usually quite knowledgeable on their products and sales techniques which can be an advantage. Consumers frequently buy from captive agents mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.

The following are captive insurance agents in Lawton who may provide you with price quote information.

  • Shelter Insurance – 1303 W Gore Blvd # 2 – Lawton, OK 73501 – (580) 353-8833
  • State Farm Insurance – 3102 NW Atlanta Ave # A – Lawton, OK 73505 – (580) 250-1893
Independent Agents

These agents do not work for one specific company but instead can place your coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, it’s recommended you include several independent insurance agents for maximum quote selection.Most can insure with smaller regional carriers which can be an advantage.

Below are independent agencies in Lawton who can help you get price quote information.

  • Horace Mann Insurance Co Marcy – 908 SW D Ave – Lawton, OK 73501 – (580) 353-1139
  • Smisson Agency – 402 NW Fort Sill Blvd – Lawton, OK 73507 – (580) 355-5433
  • Homer Koch Agency – 5711 NW Ash Ave – Lawton, OK 73505 – (580) 357-7722
  • Mc Bride Insurance – 1201 W Gore Blvd # E – Lawton, OK 73501 – (580) 355-5786
  • Roy B Hooper Agency – 601 SW B Ave – Lawton, OK 73501 – (580) 355-3310

To view a complete directory of licensed insurance agents in Lawton, view this link.

Upon receiving answers to your satisfaction for all questions you ask and a low price estimate, you have narrowed it down to an insurance agent that can properly service your car insurance policy.

Different people need different coverages

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your situation would benefit from an agent’s advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when driving a rental car?
  • What is the difference between comprehensive and collision coverage?
  • Is my dog or cat covered if injured in an accident?
  • What are the financial responsibility laws in Oklahoma?
  • Do I really need UM/UIM coverage?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent.

Can you save by buying online?

Local insurance agents are indespensible for some people, but Oklahoma drivers can also buy direct online. Even companies, such as Farmers Insurance and State Farm, that are more known for using agents, also let you quote and buy online, and online price comparisons are easy to possibly find a better rate.

If you’re concerned about not having an agent to talk to when buying online, this is normal but is quickly overcome. Online car insurance companies that allow you to purchase coverage have customer service departments for getting the best coverage. They also offer live help and an extensive research center to make it easier to purchase.

Does it save money buying online? It’s difficult to provide an answer due to the fact that there are many factors that can increase policy rates. It’s a common assumption that buying direct reduces premiums because there is no agent. For the majority of companies, however, advertising budgets are huge so this can offset any savings.

Compare but don’t skimp

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In many cases, an accident victim reduced liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. The aim is to buy enough coverage at the best price while not skimping on critical coverages.

The cheapest car insurance can be found online and also from your neighborhood Lawton agents, so you should be comparing 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 small, regional companies provide coverage only through local independent agents.

Additional detailed information can be found at the Oklahoma Insurance Department website. Visitors are able to read consumer alerts, report car insurance fraud, and view a list of available companies.

Oklahoma insurance prices

The articles below may also help you learn more about car insurance in Lawton