Free Guide to Paying Less for Oklahoma City, OK Car Insurance Online

Buying the most affordable Oklahoma City car insurance online can seem to be rather challenging for consumers new to comparing rates online. With such a large number of insurers available, how can anyone even start to compare them all to find the lowest price available?

It’s a good idea to compare prices occasionally due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the best price a few years ago a different company probably has better rates today. So just forget anything you know (or think you know) about car insurance because it’s time to teach you the quickest way to reduce your cost while increasing coverage.

Are you getting all your discounts?

Car insurance companies don’t always publicize every available discount very well, so we break down both the well known and the more hidden savings tricks you should be using.

  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Multiple Vehicles – Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

To choose insurers offering car insurance discounts in Oklahoma City, click here to view.

Car Insurance Prices in Oklahoma City, OK

When shopping for car insurance there are multiple ways of comparing rate quotes from local in Oklahoma City, OKcar insurance companies. The quickest method to compare insurance prices is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.

  • The most efficient way to find the lowest comparison rates is a comparison rater form click to view form in new window. This method saves time by eliminating separate quote forms for each company. Filling out one form will get you price quotes direct from many companies. It’s definitely the quickest method.
  • A different way to get comparison quotes requires you to visit each company website and complete a new quote form. For examples sake, we’ll assume you want comparison quotes from Nationwide, GEICO and Allstate. To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method.

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

  • The hardest method to get comparison rates is to drive around to local Oklahoma City insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the trained guidance of a licensed agent. You can, however, price shop online and get advice from an agent in your area and we’ll talk about that later.

Whichever method you choose, be sure to compare the exact same coverages and limits for each price quote. If your comparisons have different liability limits it will be next to impossible to determine which rate is truly the best in Oklahoma City. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparing car insurance rates, know that having more price comparisons provides better odds of finding a better price.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of the factors that help determine the rates you pay for car insurance. Understanding what influences your rates enables informed choices that may reward you with lower car insurance prices.

  • Liability coverage protects you – The liability section of your policy will protect you if ever you are found liable for personal injury or accident damage. It will provide for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men are in accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations like DUI and reckless driving.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies in Oklahoma award cheaper rates to people who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
  • Where you live is a factor – Choosing to live in small towns and rural areas has it’s advantages when buying car insurance. Urban drivers tend to have congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions may help highlight whether or not you would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Is business equipment covered while in my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Am I covered if I wreck a rental car?
  • Is business property covered if stolen from my car?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.Oklahoma City OK insurance comparisons

Price shop online but buy from a local Oklahoma City agent

Some people prefer to buy from a local agent and there is nothing wrong with that. The best thing about price shopping on the web is you can get lower rates and still choose a local agent.

For easy comparison, once you complete this form (opens in new window), your information gets sent to insurance agents in Oklahoma City who will give you bids for your insurance coverage. You never need to even leave your home as quotes are delivered to your email. How’s that for easy! You can find better rates and a licensed agent to work with.

Deciding on an insurance company should depend on more than just the premium amount. Any agent should have no problem answering these questions:

  • Do they specialize in personal lines coverage?
  • How long has their agency been open in Oklahoma City?
  • Do they make recommendations based only on price?
  • Does the company allow you to choose your own collision repair facility?
  • Which insurance companies are they affiliated with?
  • Is assistance available after office hours?
  • If you have an accident, will your rates go up?

Two types of Oklahoma City insurance agents

When finding a reputable insurance agent or broker, there are a couple of types of agencies that you can select. Agencies in Oklahoma City are either captive or independent (non-captive).

Captive Insurance Agents

This type of agents can only write with one company like American Family, Liberty Mutual and AAA. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agents are trained well on the products they sell which helps them compete with independent agents. Consumers often choose to use a captive agent primarily because of loyalty to the company and strong financial ratings.

Listed below is a short list of captive insurance agencies in Oklahoma City who may provide you with comparison quotes.

  • Shelter Insurance – 9521 N Council Rd # A – Oklahoma City, OK 73162 – (405) 720-1111
  • Farm Bureau Insurance – 5909 NW Expressway St # 103 – Oklahoma City, OK 73132 – (405) 844-9127
  • Allstate Insurance – 5929 N May Ave # 209 – Oklahoma City, OK 73112 – (405) 843-3595
  • Farmers Insurance Group – 1028 SW 59th St # B – Oklahoma City, OK 73109 – (405) 632-7781
  • Liberty Mutual – 3503 NW 63rd St – Oklahoma City, OK 73116 – (405) 842-8900
  • State Farm Insurance – 2800 N Classen Blvd # 105 – Oklahoma City, OK 73106 – (405) 524-3327
Independent Agents

Independent insurance agents are not locked into one company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing rates, it’s a good idea to include at least one independent agent to have the most options to choose from. They also have the ability to place coverage with different regional companies which can be an advantage.

The following are independent agencies in Oklahoma City that can give you rate quotes.

  • Young Larry L Insurance Agency – 3604 N May Ave – Oklahoma City, OK 73112 – (405) 943-6989
  • Mueller Insurance Inc – 11700 N Bryant Ave – Oklahoma City, OK 73131 – (405) 478-0909
  • Dale Alexander Agency – 4301 NW 63rd St # 107 – Oklahoma City, OK 73116 – (405) 848-6832
  • Lynnae Insurance – 1900 NW Expressway St # 510 – Oklahoma City, OK 73118 – (405) 217-8851
  • Todd Brandon Agency – 532 E Memorial Rd – Oklahoma City, OK 73114 – (405) 607-0127

For a complete listing of car insurance agents in Oklahoma City, visit this site.

Once you have answers to your satisfaction to all your questions as well as a affordable price, most likely you have located an insurance agency that will properly insure your vehicles.

Do car insurance companies bend the truth?

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies have a common claim about savings after switching to them. How does each company make almost identical claims? This is how they do it.

Oklahoma City OK insurance comparisons

All the different companies are able to cherry pick for the type of driver that is profitable for them. For instance, a desirable insured might be between 30 and 50, has no tickets, and drives newer vehicles. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Potential customers who fall outside the “perfect” profile will have to pay higher premiums and this can result in the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that much. This is how insurance companies can state the savings. Because of the profiling, drivers must get quotes from several different companies. It’s impossible to know which insurance companies will fit your personal profile best.

One last thing

Cost effective car insurance can be found both online and also from your neighborhood Oklahoma City agents, so you should compare both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We covered many ways to compare car insurance prices online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the biggest savings come from a smaller regional carrier.

Consumers change insurance companies for a number of reasons such as high prices, poor customer service, high rates after DUI convictions and even being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

More Oklahoma car insurance information

More tips and info about car insurance can be found at the Oklahoma Insurance Department website. Consumers can view agent and company licensing information, file complaints about an insurance agent or broker, find out industry alerts, and view a list of available companies.