Tightwads Guide to Saving on Bethany Car Insurance

Having to pay for overpriced car insurance can drain your bank account and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet.

Having so many choices, it can be impossible to choose the lowest price insurance company.

Pricing the lowest cost car insurance in Bethany is quite easy. Basically, anyone who has to buy car insurance stands a good chance to be able to lower their premiums. Nevertheless, Oklahoma car owners do need to know how the larger insurance companies market insurance on the web and apply this information to your search.

Car Insurance Prices in Bethany, Oklahoma

There are several ways to compare quotes from local Bethany car insurance companies. The recommended way to find the cheapest insurance rates consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

The first (and easiest) way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for separate forms for every car insurance company. One form submission will get you price quotes from several companies.

Another way to get quotes online requires a visit to the website of each company and fill out their own quote form. For instance, let's say you want comparison quotes from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular. To view a list of companies in Bethany, click here.

It's up to you which method you use, but ensure you are comparing apples-to-apples coverage limits for every quote you compare. If you use differing limits it's not possible to determine the best price in Bethany. Quoting even small variations in coverage limits may cause a big price difference. Just remember that obtaining a wide range of quotes gives you a better chance of getting better pricing.

Bethany Rates are Influenced by These Factors

It's important that you understand the different types of things that play a part in calculating your car insurance rates. When you know what positively or negatively determines base rates enables informed choices that will entitle you to lower car insurance prices.

  • Your stress level may be raising your rates - Careers like lawyers, business owners and stock brokers tend to have the highest rates because of job stress and lengthy work days. On the other hand, professions such as pilots, students and retirees receive lower rates.
  • Pay less if you're married - Having a spouse helps lower the price on your policy. Having a significant other means you're more mature and responsible and it's proven that married drivers get in fewer accidents.
  • Extra add-on coverages are wasting money - There are quite a few add-on coverages that can waste your money on your policy. Things like roadside assistance, accident forgiveness and term life insurance may be costing you every month. They may seem good when you first buy your policy, but if they're wasting money remove them from your policy.
  • What type of vehicle do you drive? - The performance of the car you are buying insurance for makes a big difference in the rate you pay. The lowest rates are for lower performance four cylinder passenger cars, but there are many factors that impact the final cost.
  • How's your driving record? - Careful drivers have lower premiums than their less careful counterparts. Even one citation can boost insurance rates by as much as thirty percent. If you have dangerous violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Men are more aggressive - Statistics have proven women tend to be less risk to insure than men. Now that doesn't mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.

Save big with these discounts

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be asked for prior to receiving the credit.

  • No Accidents - Drivers who don't have accidents can save substantially when compared to frequent claim filers.
  • Paperwork-free - Certain companies will give a small break simply for signing online.
  • Safety Course Discount - Completing a driver safety course could cut 5% off your bill depending on where you live.
  • Discount for Swiching Early - Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • Good Student Discount - Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • 55 and Retired - Older drivers may receive better car insurance rates.
  • Low Mileage Discounts - Low mileage vehicles can earn discounted rates on garaged vehicles.

It's important to understand that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce your overall premium however.

For a list of insurance companies with discount car insurance rates in Oklahoma, click here to view.

Additional car insurance information can be found on the website for the Oklahoma Insurance Department located here. Consumers can read industry bulletins, get help finding coverage, discover disciplinary actions, and learn about specific coverages.

Other useful links include this online resource for car insurance quotes in Oklahoma and this list of insurance agents in Bethany.

Do the work, save more money

Low-cost car insurance is attainable from both online companies and also from your neighborhood Bethany agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide online quoting and these regional insurance providers work with independent agents.

We just showed you some good ideas how you can lower your car insurance rates. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from the least-expected company. Smaller companies can often provide lower rates in certain areas than their larger competitors like .