Free Guide to Paying Less for Cordell Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out. Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

This article will help educate you on how to effectively get price quotes and some tips to save money. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Oklahoma vehicle owners just need to know the most effective way to compare rates online.

Cordell Rates are Influenced by These Factors

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that could result in lower auto insurance prices.

Listed below are a few of the "ingredients" auto insurance companies consider when setting premiums.

Don't sacrifice liability coverage - Liability insurance provides coverage if a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
Do you know your deductibles? - Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply could be colliding with a building, collision with an animal, and burglary. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
Bundling policies can get discounts - Most insurers will award you with lower prices to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
With age comes lower rates - Teen drivers in Oklahoma are statistically proven to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, tend to file fewer claims and are safer drivers.
Battle of the sexes - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Women and men have accidents in similar percentages, but the male of the species cause more damage. Men also tend to receive more costly citations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
High crash test scores lower rates - Cars with high safety ratings can get you lower premiums. Safe vehicles reduce injuries and lower injury rates means lower claim amounts and thus lower rates.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but you can get discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you purchase, but a few need to be asked for before being credited. If you're not getting every credit possible, you are paying more than you should be.

Organization Discounts - Participating in a qualifying organization is a good way to get lower rates when buying auto insurance.
Multi-car Discount - Buying insurance for more than one vehicle with the same company could earn a price break for each car.
Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Save over 55 - If you're over the age of 55, you may qualify for better auto insurance rates.
Student in College - Kids in college who attend school more than 100 miles from home and do not have a car can receive lower rates.
No Accidents - Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
Fewer Miles Equal More Savings - Driving fewer miles can earn discounted rates on garaged vehicles.
Service Members Pay Less - Being on active duty in the military could mean lower rates.
Payment Discounts - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.

Drivers should understand that most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To choose insurers offering auto insurance discounts in Oklahoma, click here to view.

Save $429 a year? Really?

Oklahoma consumers can't ignore all the ads that promise big savings by Allstate, GEICO and Progressive. All the companies make an identical promise that you'll save big if you switch to their company.

How does each company make almost identical claims?

All companies are able to cherry pick for the driver that makes them money. For example, a profitable customer could possibly be a mature driver, has no driving citations, and has great credit. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards must pay higher prices and ends up with the driver buying from a lower-cost company. The ads say "people who switch" but not "drivers who get quotes" save that much. That's the way companies can advertise the savings.

This illustrates why you should get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Much more information about auto insurance in Oklahoma can be found on the website for the Oklahoma Insurance Department through this link. Oklahoma consumers can find out which companies have the most complaints, report car insurance fraud, read consumer alerts, and read enforcement actions against agents and companies.

A tidy conclusion

Budget-conscious auto insurance can be found online and also from your neighborhood Cordell agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, it's very important that you do not buy poor coverage just to save money. In too many instances, someone sacrificed physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.