Consumer Tested Strategies to Save on El Reno Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say you're not alone.

You have so many to pick from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

Finding affordable auto insurance in El Reno is not that difficult. In a nutshell, every driver who is required by state law to have auto insurance will be able to reduce their rates. But Oklahoma vehicle owners do need to know the way insurance companies sell online and use this information to your advantage.

Tips to Get Lower El Reno Rates

Consumers need to have an understanding of the factors that play a part in calculating auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in better auto insurance rates.

Don't sacrifice liability coverage - Your policy's liability coverage provides coverage if a jury decides you are liable for personal injury or accident damage. It provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
Drive a safer car and pay less - Safer cars get lower rates. Safe vehicles protect occupants better and better occupant protection means lower claim amounts and thus lower rates.
Adjust deductibles and save - The deductibles represent how much money you are willing to pay out-of-pocket 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. A few examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The higher the amount you have to pay, the less your auto insurance will be.
Please use or commuting - The higher the mileage driven in a year the more you'll pay to insure your vehicle. Almost all companies price each vehicle's coverage based on how the vehicle is used. Cars that are left in the garage qualify for better rates compared to those used for work or business. Verify your auto insurance declarations sheet shows the correct usage for each vehicle.
Optional equipment can affect rates - Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart auto theft.
Extra coverages can waste money - There are quite a few extra coverages that you can get tricked into buying if you aren't careful. Coverages for vanishing deductibles, accidental death and additional equipment coverage are some examples. They may seem like a good idea initially, but now you might not need them so eliminate them to save money.
Do you qualify for a multi-policy discount? - Some insurance companies will award you with lower prices to people who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to comparison shop to verify if the discount is saving money. Drivers may still find a better deal by buying insurance from more than one company.

How much can you save with discounts?

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be requested specifically before being credited.

Organization Discounts - Affiliation with a qualifying organization may earn a discount when buying auto insurance.
Fewer Miles Equal More Savings - Low mileage vehicles can earn a substantially lower rate.
Multiple Cars - Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
New Vehicle Savings - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
Drivers Education - Cut your cost by having your teen driver enroll in driver's education if offered at their school.
Paperless Signup - Some insurance companies give back up to $50 for buying a policy and signing up over the internet.
Auto/Home Discount - If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
Federal Government Employee - Employees or retirees of the government can earn a discount up to 10% depending on your company.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
Life Insurance Discount - Select insurance companies reward you with a discount if you purchase life insurance from them.

Drivers should understand that some of the credits will not apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To choose insurers with discount auto insurance rates in Oklahoma, click here.

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

Allstate, GEICO and Progressive consistently run television and radio advertisements. All the companies have a common claim that you'll save big if you change your coverage to them. How does each company say the same thing? It's all in the numbers.

Different companies are able to cherry pick for the type of customer that makes them money. For example, a profitable customer might be profiled as a mature driver, has no tickets, and has a high credit rating. A propective insured that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards must pay higher prices and this can result in business not being written. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That's the way companies can state the savings.

This illustrates why you should get a wide range of price quotes. It's not possible to predict which auto insurance company will have the lowest rates.

Much more information about auto insurance in Oklahoma can be found on the website for the Oklahoma Insurance Department found here. Oklahoma drivers can find out which companies have the most complaints, find disaster information, report car insurance fraud, and file complaints about an insurance agent or broker.

Other informative sites include this link for Oklahoma auto insurance quotes and this link which helps you find a El Reno agent.

Do the work, save more money

Budget-conscious auto insurance can be sourced on the web as well as from independent agents in El Reno, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, make sure you don't buy poor coverage just to save money. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.