Top Ways to Save on Helena Car Insurance

Nobody likes having to buy car insurance, especially when the cost is way too high.

Because you have many car insurance companies to choose from, it's nearly impossible to choose the right car insurance company.

It's important to compare prices occasionally since rates are constantly changing. Just because you had the best price on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because you're about to learn the proper way to eliminate unnecessary coverages and save money.

Finding affordable coverage in Helena is not that difficult. If you currently have car insurance, you should be able to lower your premiums substantially using this information. Although Oklahoma car owners do need to know the way companies sell insurance online and apply this information to your search.

Helena car insurance comparison

Be sure to get all your discounts

Companies offering auto insurance don't always list all their discounts very well, so we took the time to find some of the more common and also the lesser-known ways to save on car insurance.

  • College Student - Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Early Signing - Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Payment Discounts - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Accident Forgiveness - Some insurance companies allow you one accident without raising rates as long as you don't have any claims for a certain period of time.
  • Good Student - Getting good grades can save 20 to 25%. This discount can apply until age 25.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, you won't be that lucky.

For a list of companies offering car insurance discounts in Oklahoma, click this link.

Helena Car Insurance Quote Comparison

There are several ways to shop for car insurance, but one way is less labor-intensive and much quicker. You can waste hours talking to insurance companies in Helena, or you could use online quoting to get the quickest rates.

Most car insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and each participating company then gives them pricing based on that data. This system prevents you from having to do quote forms to each individual car insurance company. To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you can't choose the companies to receive prices from. If you would rather choose individual companies to compare prices, we put together a list of companies who write car insurance in Oklahoma. Click here for list of insurance companies in Oklahoma.

It doesn't matter which method you choose, just make absolute certain that you use apples-to-apples coverages and limits on every quote you get. If you have different deductibles then you won't be able to determine which rate is truly the best in Helena. Having just a slight variation in coverages may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes provides better odds of finding a lower rate.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your vehicles, there really is no "perfect" insurance plan. Every situation is different so this has to be addressed. For example, these questions might point out whether or not you might need an agent's assistance.

  • What are Oklahoma no-fault laws?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company won't pay a claim?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Affordable insurance is out there

When you buy insurance online, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the best price.

You just learned many ideas to get a better price on car insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. These companies may cover specific market segments cheaper compared to the large companies like .

The cheapest car insurance is available from both online companies and also from your neighborhood Helena agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.