Follow These Proven Tips for Cheaper Stillwater Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you many Stillwater consumers feel financially strained by their auto insurance policy. Companies like State Farm, Progressive and GEICO continually hit you with fancy advertisements and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

You should take the time to compare prices yearly since rates are constantly changing. Just because you found the best rates a year ago you may be paying too much now. You can find a lot of wrong information about auto insurance on the internet, so by reading this article, you’re going to learn the easiest ways to quit paying high auto insurance rates.

Are you getting all your discounts?

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. Most are applied at quote time, but less common discounts must be inquired about prior to getting the savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates than less cautious drivers.
  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings on your policy.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying your policy over the internet.
  • No Claims – Drivers who don’t have accidents pay less compared to frequent claim filers.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will help reduce the cost of coverage.

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

Comprehensive Stillwater Auto Insurance Comparison Quotes

Getting a lower price on insurance doesn’t have to be difficult. All you need to do is take the time to get quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  1. The single most time-saving way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quote forms to each individual auto insurance company. Filling out one form gets you coverage quotes from auto insurance companies with the best prices.
  2. Another way to shop for auto insurance online is to take the time to go to the website for each individual company to complete their respective quote request forms. For example, let’s assume you want to compare State Farm, Liberty Mutual and Allstate. You would have to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in Stillwater, click here.

Whichever way you use, ensure you’re using exactly the same coverage limits and deductibles on every quote. If you are comparing different limits and deductibles on each one it’s impossible to make an equal comparison in Stillwater.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if you would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need roadside assistance coverage?
  • Am I covered when pulling a rental trailer?
  • Why does it cost so much to insure a teen driver in Stillwater?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Stillwater insurance comparisons

A little work can save a LOT of money

When you buy insurance online, it’s a bad idea to buy poor coverage just to save money. In many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your goal should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Discount auto insurance is definitely available on the web in addition to many Stillwater insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and these small insurance companies work with independent agents.