Uncover the Secrets to Paying Less for Bartlesville, OK Car Insurance

Consumers who are new to the process of comparing insurance rates online will find finding the cheapest Bartlesville car insurance nearly impossible.

You should take the time to check car insurance prices once or twice a year due to the fact that insurance rates change frequently. Just because you had the lowest rates a few years ago other companies may now be cheaper. There is a lot of bad information regarding car insurance on the internet, so with this article, you’re going to get the easiest ways to put money back in your pocket.

Finding affordable coverage in Bartlesville is not that difficult. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. Oklahoma drivers just need to learn the tricks to shop on the web.

Smart Consumers Save More

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get better car insurance rates.

Shown below are some of the factors used by your company to calculate your rates.

  • Women pay lower rates – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Men and women tend to get into accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving.
  • Optional equipment can affect rates – Choosing a vehicle with an alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Your age impacts your rates – Mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets. Teenage drivers are statistically proven to get distracted easily in a vehicle therefore car insurance rates are much higher.
  • Type of vehicle determines base rates – The performance of the car you own makes a huge difference in your rates. The lowest base rates are for lower performance four cylinder passenger vehicles, but the final cost of insurance is determined by many other factors.
  • Rate your vehicle for proper use – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on their usage. Vehicles left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your car insurance coverage shows the proper vehicle usage.
  • Multiple policies with one company can save – The majority of car insurance companies provide better rates to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to shop around to verify if the discount is saving money. Consumers may find better rates by buying insurance from more than one company.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.

Automobile Insurance Quotes in Bartlesville, OK

There are several ways to compare car insurance quotes, but one way is less time-consuming than others. You can waste hours talking to insurance companies in Bartlesville, or you can utilize online quoting to get pricing more quickly.

Most car insurance companies belong to a marketplace that allows shoppers to submit their information once, and each company then gives them pricing based on that data. This prevents consumers from doing repetitive form submissions for each company. To participate in this free quote system, click to open in new window.

The only downside to using this type of form is you cannot specify which carriers to receive prices from. So if you prefer to pick individual companies to request quotes from, we put together a list of the cheapest car insurance companies in Oklahoma. Click here for list of insurance companies in Oklahoma.lower rates in Bartlesville Oklahoma

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same coverage information for every company. If each company quotes different limits and deductibles on each one you can’t possibly decipher which rate is best in Bartlesville.

Cut your premium with discounts

Companies that sell car insurance don’t always advertise all their discounts very clearly, so here is a list both well-publicized as well as the least known savings tricks you should be using. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10%.
  • Sign Online – A few companies give back up to $50 just for signing your application online.
  • Defensive Driving Course – Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more than less cautious drivers.
  • Resident Student – Youth drivers who live away from home and don’t have a car can receive lower rates.

It’s important to understand that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, you’re out of luck.

To choose insurance companies with discount car insurance rates in Bartlesville, click this link.

What is the best insurance coverage?

When buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

For example, these questions might help in determining whether your personal situation may require specific advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What if I don’t agree with a claim settlement offer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do no-fault laws apply in Oklahoma?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

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More detailed Oklahoma car insurance information can be read at the Oklahoma Insurance Department website. Consumers can read state legal mandates and laws, view a list of available companies, and read consumer alerts.

Cheaper insurance is a realistic goal

Insureds switch companies for many reasons like extreme rates for teen drivers, delays in paying claims, policy cancellation and even lack of trust in their agent. Regardless of your reason, finding a great new company is not as difficult as it may seem.

In this article, we presented many ways to compare car insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with some of the lesser-known companies.

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. There have been many cases where someone dropped liability coverage limits to discover at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.