Free Guide to Cutting Costs on Ardmore, OK Car Insurance Online

Finding the best price on Ardmore car insurance is challenging if you have never used quoting online. But relax because comparing prices is actually very simple.

Car Insurance Prices in Ardmore

Most companies like 21st Century, Allstate and State Farm give prices for coverage online. Getting quotes doesn’t take a lot of time as you just enter the coverage amounts you desire into the quote form. After you complete the form, their system will obtain reports for credit and driving violations and provides a quote based on these factors.

This makes comparing rates easy, but the work required to visit a lot of sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to get the lowest price.

A more efficient way to locate the lowest prices uses one simple form to return rates from multiple companies. This type of form saves time, requires less work, and makes online price comparison much more enjoyable and efficient. After sending your information, it gets priced and you can select any of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It can be completed in less than 10 minutes and can result in significant savings.

To compare pricing, click here to open in new window and enter your information. If you have coverage now, it’s recommended you duplicate the coverage information just like they are on your policy. Using the same limits helps guarantee you will get a price comparison for the exact same coverage.

Switch companies and save? Really?

Companies like 21st Century, Allstate and State Farm consistently run television and radio advertisements. All the ads make the same claim that you can save if you change your policy. How does each company claim to save you money?

All the different companies are able to cherry pick for the type of driver that earns them a profit. For instance, a profitable customer might be profiled as between 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” gets the lowest rates and as a result will probably save when switching.

Potential insureds who fall outside the requirements will be quoted higher prices and ends up with business going elsewhere. The ads say “people who switch” not “everybody who quotes” save money. That’s why insurance companies can make those claims.

This emphasizes why drivers should get a wide range of price quotes. It’s just too difficult to predict which company will fit your personal profile best.

Save big with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but some must be manually applied before you will receive the discount.Oklahoma insurance comparisons

  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Memberships – Affiliation with a qualifying organization is a good way to get lower rates when shopping for car insurance.
  • New Car Discount – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • No Claims – Drivers who don’t have accidents pay much less compared to accident-prone drivers.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Accident Forgiveness – A few companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will cut your overall premium however.

To choose providers who offer car insurance discounts in Ardmore, click here.

Neighborhood insurance agents

Some consumers would rather get advice from a local agent. The biggest benefit of comparing insurance prices online is that you can obtain lower rates and still choose a local agent. And providing support for local businesses is important particularly in Ardmore.

For easy comparison, once you complete this quick form, your information is submitted to local insurance agents who will return price quotes for your business. There is no reason to drive around as quotes are delivered immediately to your email address. How’s that for easy! You can find the lowest rates without the usual hassles of price shopping.

Captive agents vs. Independent agents

When researching an insurance agent, there are a couple of different agency structures from which to choose. Agencies in Ardmore are classified as either independent (non-captive) or captive.

Independent Agents

Independent agents are not locked into one company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and that require little work on your part. When comparison shopping, you should always contact at least one independent agent to get the best comparison.Many can place coverage with lesser-known insurance companies which can be an advantage.

Below is a short list of independent agents in Ardmore that may be able to provide pricing information.

  • Mcpherson Insurance – 333 W Main St – Ardmore, OK 73401 – (580) 226-4333
  • Jordan-Snodgrass Agency Inc – 619 Grand Ave – Ardmore, OK 73401 – (580) 223-3233
  • William B Parker Insurance – 10 W Main St – Ardmore, OK 73401 – (580) 226-5368
  • Shinn Agency – 419 N Washington St – Ardmore, OK 73401 – (580) 223-0330
Captive Agents

Captive agents write business for a single company such as State Farm, AAA and Liberty Mutual. They usually cannot place coverage with different providers so it’s a take it or leave it situation. These agents are trained well on the products they sell which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a captive agent mainly due to loyalty to the company and strong financial ratings.

The following are Ardmore captive agencies who can help you get comparison quotes.

  • State Farm Insurance – 1017 Cottonwood St – Ardmore, OK 73401 – (580) 223-6417
  • Shelter Insurance – 1118 N Washington St – Ardmore, OK 73401 – (580) 226-7120

To view a complete directory of captive insurance agents in Ardmore, click here to link.

Choosing an insurance agency requires more thought than just the price. Any agent should have no problem answering these questions:

Oklahoma insurance comparisons

  • Which company do they place the most coverage with?
  • How often do they review policy coverages?
  • How are they compensated?
  • Did they already check your driving record and credit reports?
  • Does the company allow you to choose your own collision repair facility?

Once you have received good answers to your questions and an acceptable price quote, you’ve probably found an auto insurance agent that will provide car insurance coverage.

More information can be read on the Oklahoma Insurance Department website found here. Oklahoma consumers can file complaints about an insurance agent or broker, read enforcement actions against agents and companies, and find disaster information.

One last thing about your coverage

When shopping online for car insurance, make sure you don’t reduce needed coverages to save money. In too many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Affordable car insurance can be bought online as well as from independent agents in Ardmore, so compare prices from both in order to have the best chance of saving money. Some insurance providers don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

People leave their current company for many reasons like denial of a claim, delays in paying claims, high rates after DUI convictions or delays in responding to claim requests. It doesn’t matter why you want to switch finding a new car insurance company is actually quite simple.