Top 7 Ways to Save on Car Insurance in Edmond, OK

Are you tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as most other car owners in Oklahoma.

Popular companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with ad campaigns and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates once or twice a year since rates are constantly changing. Even if you think you had the lowest price a year ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you're about to find out how to quote online to reduce your cost while improving coverage.

If you have car insurance now, you will be able to cut costs considerably using these methods. Buying car insurance in Edmond is quite easy. Nevertheless, Oklahoma car owners do need to know the way insurance companies market insurance on the web because it can help you find the best coverage.

Save big with these seven discounts

Car insurance companies don't always publicize all their discounts in a way that's easy to find, so we researched some of the more common as well as the least known discounts you could be receiving.

  • New Car Discount - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Drive Less and Save - Low mileage vehicles could be rewarded with a substantially lower rate.
  • Service Members Pay Less - Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • 55 and Retired - If you qualify as a senior citizen, you may receive better car insurance rates.
  • Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

Consumers should know that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, companies don't profit that way.

Oklahoma car insurance quotes

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads on TV and radio. They all seem to have a common claim of big savings if you change to their company. How can each company make the same claim?

All companies can use profiling for the driver that earns them a profit. For instance, a desirable insured could be a mature driver, has no tickets, and has excellent credit. Any new insured that hits that "sweet spot" is entitled to the best price and most likely will save when they switch companies.

Drivers who fall outside the requirements will have to pay a higher premium and this can result in business going elsewhere. The ads state "customers that switch" not "people who quote" save that much. That's why insurance companies can confidently make those claims. Because of the profiling, you should get as many comparisons as possible. It's just too difficult to predict the company that will have the lowest rates.

More tips and info about car insurance is located at the Oklahoma Insurance Department website. Consumers can file complaints about an insurance agent or broker, view a list of available companies, find disaster information, and read consumer alerts.

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Affordable insurance is out there

While you're price shopping online, it's not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability coverage limits only to discover later they didn't purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford.

Cost effective car insurance is attainable from both online companies and also from your neighborhood Edmond agents, and you need to price shop both to have the best selection. Some companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.