Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.
Insurance companies such as Allstate and Progressive continually bombard you with TV and radio ads and it is challenging if not impossible to ignore the propoganda and take the time to shop coverage around.
It is always a good idea to shop coverage around every six months because rates are usually higher with each renewal. Even if you think you had the best rates on your last policy you can probably find a better price now. So just ignore everything you know about car insurance because you’re about to learn how to use online quotes to remove unneeded coverages and save money.
If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Buying car insurance in Oklahoma City is easy if you know what you’re doing. But Oklahoma drivers must learn the way companies sell online because it can help you find the best coverage.
Shopping for lower car insurance rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time driving to agents in Oklahoma City, or you could save time and use the internet to get the quickest rates.
Many insurance companies participate in a marketplace where prospective buyers submit their information once, and every company provides a quote based on that data. This eliminates the need for quotation requests to each individual car insurance company.
To compare rates using this form now click here (opens in new window).
One minor caviat to doing it this way is you don’t know exactly the insurers you will receive quotes from. If you would rather choose specific providers to compare, we have a listing of car insurance companies in Oklahoma. Click here to view list.
Whichever method you choose, make sure you use identical coverages with every price quote. If you are comparing different deductibles you will not be able to determine the best price in Oklahoma City. Just a small difference in coverages may result in a large different in cost. Keep in mind that comparing more company’s prices will improve the odds of getting a better price.
Car insurance can cost a lot, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be requested specifically before being credited.
Keep in mind that most discount credits are not given to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will reduce the amount you have to pay.
For a list of insurance companies offering car insurance discounts in Oklahoma City, click this link.
Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for car insurance. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to better car insurance rates.
When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions might point out whether or not you would benefit from an agent’s advice.
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.
More information can be read on the website for the Oklahoma Insurance Department. Click here for link. Oklahoma consumers can file complaints about a company, get help finding coverage, and read state legal mandates and laws.
Companies like 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the ads say the same thing that you’ll save big if you switch to their company. But how can every company say the same thing? This is how they do it.
Different companies have a preferred profile for the type of customer that is profitable for them. For example, a desirable insured might be profiled as between 25 and 40, owns a home, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save a lot of money.
Consumers who do not match the “perfect” profile will be quoted higher rates which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That is how companies can truthfully advertise the way they do.
This emphasizes why you should get as many quotes as possible. It’s not possible to predict which car insurance company will provide you with the cheapest rates.
When trying to cut insurance costs, never skimp on coverage in order to save money. In many cases, someone dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at the best price, not the least amount of coverage.
Cost effective car insurance is attainable online in addition to many Oklahoma City insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.