Are you tired of not being able to afford to pay your car insurance bill each month? You are no different than millions of other consumers.
Having so many companies and agents to choose from, it’s nearly impossible to choose the most affordable car insurance company.
You need to compare prices before your policy renews because prices are adjusted regularly by insurance companies. If you had the lowest price on your last policy you may be paying too much now. There is a lot of bad information regarding auto insurance online, so by reading this article, you’re going to learn the easiest ways to find cheap auto insurance.
Consumers need to have an understanding of some of the elements that go into determining your auto insurance rates. Understanding what controls the rates you pay enables informed choices that can help you get big savings.
Listed below are a partial list of the pieces auto insurance companies consider when setting your rates.
Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but a few must be specifically requested before they will apply.
Consumers should know that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will cut your overall premium however.
To see a list of insurers offering auto insurance discounts in Broken Arrow, follow this link.
Some consumers would prefer to get advice from a local agent. The biggest benefit of comparing insurance prices online is you may find the lowest rates but also keep your business local. And providing support for local agencies is important especially in Broken Arrow.
Once you complete this quick form, the coverage information is submitted to agents in your area who will give you bids for your insurance coverage. There is no reason to visit any agencies as quotes are delivered straight to your inbox. It doesn’t get any easier! You can find better rates and work with a local agent.
When looking for an insurance agent, there are a couple of different types of agents to choose from. Agencies in Broken Arrow can either be captive or independent.
Independent insurance agents are not locked into one company but rather can write business with many different companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When shopping rates, it’s a good idea to include price quotes from several independent insurance agents to ensure the widest selection of prices.
Below is a short list of independent agencies in Broken Arrow willing to provide competitive price quotes.
Harmon Insurance – 800 S Elm Pl – Broken Arrow, OK 74012 – (918) 251-2511
Mike Emerson Agency – 610 S Aspen Ave – Broken Arrow, OK 74012 – (918) 258-5676
Sid Sidman Agency – 4902 W Kenosha St – Broken Arrow, OK 74012 – (918) 254-0125
Michael Ward Agency – 1008 N Hickory Ave – Broken Arrow, OK 74012 – (918) 258-6611
Onebeacon Insurance Fka – 8282 S Memorial Dr – Broken Arrow, OK 74011 – (918) 459-7950
These agents are contracted to one company like Farmers Insurance, American Family, State Farm and Allstate. They usually cannot place coverage with different providers so it’s a take it or leave it situation. These agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Below is a short list of captive insurance agencies in Broken Arrow who can help you get comparison quotes.
Farm Bureau Insurance – 801 N Elm Pl – Broken Arrow, OK 74012 – (918) 258-6030
Farmers Insurance Group – 409 N Aspen Ave # 101 – Broken Arrow, OK 74012 – (918) 258-1191
State Farm Insurance – 2001 W Washington St – Broken Arrow, OK 74012 – (918) 455-4567
Allstate Insurance – 300 N Main St – Broken Arrow, OK 74012 – (918) 258-8671
Liberty Mutual Insurance – 3762 S Elm Pl – Broken Arrow, OK 74011 – (918) 455-2943
Shelter Insurance – 1101 E Lansing St – Broken Arrow, OK 74012 – (918) 258-1700
To view a full list of Broken Arrow captive insurance agents, click here to link.
Choosing an insurance agent should depend on more than just the premium amount. Any agent should be forthright in answering these questions:
After receiving satisfactory answers for all questions you ask as well as a affordable price, most likely you have located an insurance agency that can insure your vehicles.
Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads make an identical promise about savings if you move your coverage to them. How does each company claim to save you money?
Different companies have a preferred profile for the driver that earns them a profit. For instance, a desirable insured could possibly be between the ages of 30 and 50, has no driving citations, and drives newer vehicles. A driver who matches those parameters will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.
Consumers who don’t measure up to the “perfect” profile will be charged higher premiums which usually ends up with business going elsewhere. The ads say “drivers who switch” not “everybody who quotes” save that much. That is how companies can make those claims.
That is why you should compare many company’s rates. It’s impossible to know which insurance companies will provide you with the cheapest rates.
Additional information can be found on the website for the Oklahoma Insurance Department. Click here for link. Visitors are able to read enforcement actions against agents and companies, find out which companies have the most complaints, and discover disciplinary actions.
Throughout this article, we presented many ways to compare auto insurance prices online. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may even discover the biggest savings come from some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.
When you buy insurance online, never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.