Buy Low-Cost Blanchard Auto Insurance

Expensive auto insurance can take a big chunk out of your savings account, especially in this economy. Comparison shopping is a smart way to help make ends meet.

Having so many insurance companies to choose from, it can be hard to find the right company.

It's important to compare prices on a regular basis because insurance rates are constantly changing. Just because you had the best deal a few years ago you can probably find a better price now. So ignore everything you know about auto insurance because you're about to learn the proper way to find lower rates on auto insurance.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

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

  • With age comes lower rates - Teen drivers in Oklahoma are statistically proven to be more careless when driving so auto insurance rates are higher. If you've ever had to add a young driver onto a policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
  • Are you male or female? - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that women are BETTER drivers than men. Women and men have accidents at about the same rate, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • What type of vehicle do you drive? - The performance of the car you own makes a substantial difference in determining your rates. The lowest rates are generally reserved for lower performance four cylinder passenger vehicles, but there are many factors that impact the final cost.
  • Traffic violations increase rates - Just one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don't get tickets have lower premiums than bad drivers. Drivers who have serious citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Safer cars cost less to insure - Cars with high safety ratings are cheaper to insure. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates.
  • Liability coverage protects you - Liability insurance is the protection if ever a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.

Blanchard auto insurance comparison

How much can you save with discounts?

Companies that sell car insurance do not list all their discounts very well, so here is a list both well-publicized as well as the least known auto insurance savings.

  • College Student - Children who live away from home and do not have a car can receive lower rates.
  • Accident Waiver - Some insurance companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
  • Early Signing - Some insurance companies reward drivers for switching policies prior to your current policy expiration. This can save 10% or more.
  • Passive Restraint Discount - Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Drive Less and Save - Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Organization Discounts - Participating in a professional or civic organization could qualify you for a break on auto insurance.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren't that generous.

To choose companies offering auto insurance discounts in Oklahoma, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to say the same thing about savings if you switch your coverage to them. But how can every company make almost identical claims?

All companies have a preferred profile for the type of customer that makes them money. An example of a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully advertise the way they do. Because of the profiling, you should get quotes from several different companies. It is impossible to predict which insurance companies will provide you with the cheapest rates.

For more Oklahoma auto insurance information

Even more information is available at the Oklahoma Insurance Department website. Oklahoma consumers can read enforcement actions against agents and companies, learn about insurance regulations, learn about specific coverages, and file complaints about a company.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Blanchard.

Shop smart and save

When shopping online for auto insurance, don't be tempted to buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at a price you can afford.

Cheap auto insurance is available online as well as from independent agents in Blanchard, so you should compare both to get a complete price analysis. Some auto insurance companies don't offer online price quotes and most of the time these smaller companies sell through independent agents.

In this article, we presented a lot of information how to save on auto insurance. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the most savings is with the least-expected company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like .