Free Guide to Paying Less for Clayton Auto Insurance Online

No one in their right mind looks forward to paying for auto insurance, particularly when the price is too high.

Big-name insurance companies like GEICO and Progressive constantly blast consumers with ad campaigns and it can be hard to sift through the bull and find the best price available.

It's important to take a look at other company's rates periodically because prices are constantly changing. Just because you found the best deal on your last policy the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to reduce your cost while increasing coverage.

If you currently have car insurance, you will be able to save some money using this information. Finding affordable coverage in Clayton is easy if you know what you're doing. But Oklahoma consumers do need to know the way companies sell online and take advantage of how the system works.

Be sure to get all your discounts

Car insurance companies don't list all their discounts in a way that's easy to find, so here is a list both the well known as well as the least known discounts you could be receiving.

Accident Forgiveness - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a certain period of time.
Good Student - A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
Memberships - Being a member of a civic or occupational organization may earn a discount on auto insurance.
No Accidents - Good drivers with no accidents can earn big discounts as compared to bad drivers.
Sign Online - Some insurance companies may give you up to $50 for buying a policy and signing up digitally online.
College Student - Youth drivers who live away from home and don't have a car can receive lower rates.
Homeowners Savings - Owning a house in Clayton can save you money because maintaining a house requires personal responsibility.
Save with a New Car - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
Discount for Swiching Early - Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.

Consumers should know that some credits don't apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, companies don't profit that way.

To see a list of companies with discount auto insurance rates in Clayton, click here.

Clayton Auto Insurance Comparisons

There are several ways to shop for auto insurance, but some are less time-consuming than others. You can waste a lot of time driving to agents in Clayton, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system that allows shoppers to submit their information once, and every company then gives them pricing for coverage. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only downside to using this type of form is you can't choose which carriers you want pricing from. So if you prefer to choose individual companies for rate comparison, we have a page of auto insurance companies in Oklahoma. Click here to view list.

Whichever method you choose, be sure to compare exactly the same quote information with each company. If you use mixed coverages it's impossible to make an equal comparison in Clayton. Slightly different insurance coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes will improve the odds of getting a better price.

Clayton Rates are Influenced by These Factors

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

Shown below are some of the factors auto insurance companies consider when setting rates.

Males pay more for insurance - Statistics show women are more cautious behind the wheel. Now that doesn't mean men are worse drivers. Men and women have accidents at about the same rate, but the males tend to have more serious accidents. They also get more serious tickets like DUI and reckless driving.
Cautious drivers pay less - Careful drivers have lower premiums than their less careful counterparts. Even a single ticket can boost insurance rates twenty percent or more. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
Liability coverage is peace of mind - Your policy's liability coverage is the coverage that protects you if ever you are found liable for causing damage or personal injury in an accident. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
Do you work long hours in a high stress job? - Jobs such as doctors, social workers and dentists tend to have the highest average rates because of stressful work requirements and long work hours. Other occupations like scientists, historians and retirees receive lower rates.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone's situation is a little different and your policy should reflect that. For example, these questions may help highlight whether or not you might need an agent's assistance.

Does my policy cover me when driving someone else's vehicle?
Why am I required to buy high-risk coverage?
Do I qualify for additional discounts?
Will I be non-renewed for getting a DUI or other conviction?
Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Clayton?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Is there truth in advertising?

Auto insurance companies such as State Farm, GEICO and Progressive consistently run television and radio advertisements. They all seem to have a common claim that you'll save big if you change to their company. How can each company claim to save you money?

Different companies have a certain "appetite" for the driver that is profitable for them. An example of a desirable insured might be between the ages of 30 and 50, a clean driving record, and has great credit. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will have to pay more money and this can result in the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That is how companies can advertise the savings. Because of the profiling, drivers must get as many comparisons as possible. It's impossible to know which company will fit your personal profile best.

Final considerations

Discount auto insurance can be sourced both online and also from your neighborhood Clayton agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

We covered a lot of ways to compare auto insurance prices online. It's most important to understand that the more rate comparisons you have, the better your comparison will be. You may even find the lowest rates come from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .

More detailed Oklahoma auto insurance information is available at the Oklahoma Insurance Department website. Visitors are able to learn about insurance regulations, file complaints about a company, find out which companies have the most complaints, and read industry bulletins.