Easy Methods to Pay Less on Cushing Car Insurance

Are you overwhelmed by the wide range of car insurance choices in Cushing? Many other drivers are as well. You have so many options available that it can turn into more work than you anticipated to find the best price.

It's important to check car insurance prices at least once a year because rates are constantly changing. Even if you got the best rates a few years ago a different company probably has better rates today. There is a lot of bad information regarding car insurance on the web, but I'm going to show you some great ways to find cheap car insurance.

If you have a current car insurance policy or need a new policy, you can learn to get lower rates and still get good coverage. This article will tell you the most effective way to quote insurance. Oklahoma vehicle owners just need to know the most efficient way to get comparison rates over the internet.

Save big with these discounts

Companies don't always advertise all their discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If they aren't giving you every credit possible, you are throwing money away.

  • 55 and Retired - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Driver Safety - Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Homeowners Discount - Owning a house in Cushing can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • New Car Discount - Adding a new car to your policy is cheaper since new cars are generally safer.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Accident Free - Drivers with accident-free driving histories pay less as compared to drivers who are more careless.

Drivers should understand that most discount credits are not given the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn't make money that way.

Cushing car insurance comparison

What determines how much you pay?

Smart consumers have a good feel for the different types of things that help determine your car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with lower car insurance prices.

The following are some of the items companies use to determine rates.

  • Do men or women drive better? - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Women and men tend to get into accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations such as reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Policy add-ons can waste money - There are a ton of extra coverages that you can buy on your policy. Coverages like roadside assistance, towing coverage and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don't need them get rid of them and save.
  • Proper usage rating affects rates - Driving more miles in a year the more you will pay for car insurance. Most companies rate vehicles based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates than those used for commuting. Make sure your car insurance coverage is showing the proper vehicle usage.
  • Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, and windstorm damage. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The more expense you're willing to pay, the less your car insurance will be.
  • Is your vehicle built for speed? - The performance level of the vehicle you own makes a big difference in the rate you pay. Small economy passenger models usually have the lowest rates, but there are many factors that impact the final cost.
  • How's your driving record? - Your driving citation history impacts your car insurance rates tremendously. Good drivers have lower premiums compared to drivers with tickets. Even one ticket can increase rates forty percent or more. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Older drivers pay less - Older insureds are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Young drivers are known to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you'll save big after switching to them.

How do they all make the same claim?

All companies are able to cherry pick for the type of driver that earns them a profit. A good example of a desirable insured could be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will have to pay more money and ends up with business going elsewhere. The ad wording is "customers that switch" not "people who quote" save money. That's the way companies can advertise the way they do. Because of the profiling, drivers should compare many company's rates. Because you never know which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

More detailed Oklahoma car insurance information can be read at the Oklahoma Insurance Department website. Consumers can learn about insurance regulations, discover disciplinary actions, and file complaints about an insurance agent or broker.

car insurance in Cushing

A tidy conclusion

When shopping online for car insurance, never skimp on coverage in order to save money. There are many occasions where an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at a price you can afford.

Budget-conscious car insurance can be purchased from both online companies and with local Cushing insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just showed you some good ideas how you can reduce car insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Consumers may even find the lowest rates come from some of the lesser-known companies.