Expert Advice on Paying Less for Oklahoma City, OK Car Insurance

Buying affordable Oklahoma City car insurance on the web can be somewhat difficult for consumers not familiar with comparing rates online. With so many choices of insurance companies available, how can consumers possibly compare every one to find the cheapest rates?

Comparison of Car Insurance in Oklahoma City, OK

Reducing your insurance rates can be quick and easy. The only requirement is to invest a few minutes to get quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

  1. The best way to find low rates is a comparison rater form (click to open form in new window). This form keeps you from doing repetitive form submissions for each company you want a rate for. In just a few minutes this one form will get you price quotes from all major companies. This is perfect if you don’t have a lot of time.
  2. A less efficient way to compare prices is to manually visit each company’s website and request a quote. For instance, we’ll assume you want rates from Nationwide, State Farm and Travelers. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in Oklahoma City, click here.

  3. The hardest way of getting rate comparisons is to waste gas driving to insurance agents’ offices. Shopping for car insurance online has reduced the need for local agents unless you require the professional guidance only provided by licensed Oklahoma City agents. However, consumers can comparison shop online and get advice from an agent in your area and you’ll learn how to do that later.

Whichever method you choose, double check that you are using the exact same coverages on every quote. If you use mixed coverages it’s not possible to truly determine the lowest rate in Oklahoma City.

Discounts are available to cut your rates

Car insurance companies don’t always publicize all available discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Senior Citizens – If you qualify as a senior citizen, you may qualify for better car insurance rates.
  • Memberships – Being a member of a qualifying organization could trigger savings on car insurance.
  • Safety Course Discount – Taking a driver safety course could save 5% or more if your company offers it.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
  • Student in College – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.

It’s important to note that most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

Online quotes with a local Oklahoma City insurance agent

Some consumers just want to sit down with an agent. Agents can answer important questions and help file insurance claims. The best thing about getting online price quotes is that you can obtain the best rates and still choose a local agent.

Once you complete this short form, your insurance coverage information is emailed to companies in Oklahoma City who will return price quotes to get your business. There is no need to drive around as quotes are delivered straight to your inbox. It doesn’t get any easier!

Selecting an insurance company shouldn’t rely on just the bottom line cost. Agents should be asked these questions:Oklahoma City OK auto insurance

  • Does the agency provide any after hours assistance?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How long has their agency been in business in Oklahoma City?
  • Do the companies they represent have a solid financial rating?

Two types of Oklahoma City auto insurance agents

When searching for local Oklahoma City agents, you must know there are a couple types of agencies to choose from. Oklahoma City agents can either be independent (non-captive) or captive. Both types can do a good job, but it’s worth learning the difference between them because it can influence the selection process.

Captive Agents

This type of agents work for only one company like AAA, Allstate and State Farm. They are unable to give you multiple price quotes so keep that in mind. Captive agencies are very knowledgeable on their products and sales techniques which can be an advantage. Some people will only buy from captive agents mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

The following are captive agencies in Oklahoma City that are able to give price quote information.

  • Oklahoma Farm Bureau Insurance – 5101 N Council Rd – Oklahoma City, OK 73132 – (405) 495-5433
  • State Farm Conference Ctr – 525 Central Park Dr – Oklahoma City, OK 73105 – (405) 521-0634
  • Shelter Insurance – 9521 N Council Rd # A – Oklahoma City, OK 73162 – (405) 720-1111
  • Farmers Insurance Group – 11212 N May Ave # 104 – Oklahoma City, OK 73120 – (405) 748-5105
  • Allstate Insurance – 5542 E Reno Ave – Oklahoma City, OK 73117 – (405) 677-4844
  • Liberty Mutual Insurance – 7101 NW Expressway St # 615 – Oklahoma City, OK 73132 – (405) 720-6083
Independent Agents

Independent insurance agents do not work for one specific company so they have the ability to put coverage 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 shopping rates, you should always include at a minimum one independent agency to get the best comparison. They also have the ability to place coverage with lesser-known insurance companies who may have lower rates.

Shown below is a list of independent agents in Oklahoma City that can give you rate quotes.

  • Insurance Agents Inc – 1537 SW 59th St – Oklahoma City, OK 73119 – (405) 681-0333
  • Greg De Quasie Agency – 1100 S Air Depot Blvd # 3 – Oklahoma City, OK 73110 – (405) 741-0677
  • Neimann General Agency – 700 Cedar Lake Blvd – Oklahoma City, OK 73114 – (405) 478-7700
  • Curry Insurance – 4539 SE 29th St – Oklahoma City, OK 73115 – (405) 677-9999
  • Schlegel Agency – 6100 N Drexel Blvd # A – Oklahoma City, OK 73112 – (405) 848-3741

To view a complete directory of Oklahoma City insurance agents, go to this page.

After receiving good answers to your questions as well as a affordable price, you may have just found an auto insurance agent that will provide car insurance coverage.

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More tips and info about car insurance can be found at the Oklahoma Insurance Department website. Visitors are able to get help finding coverage, read consumer alerts, learn about specific coverages, and read state legal mandates and laws.

More comparisons equals lower rates

Affordable car insurance is definitely available both online as well as from independent agents in Oklahoma City, so you should compare both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

You just learned many tips how you can shop for car insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the best prices are with some of the smallest insurance companies.

Drivers switch companies for a variety of reasons including extreme rates for teen drivers, high prices, delays in paying claims or even policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.