Tightwads Tips for Saving on Hollis Car Insurance

No one looks forward to buying car insurance, especially when the cost is too high. There is such a variety of to buy insurance from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates.

It's important to get comparison quotes occasionally because rates are constantly changing. Despite the fact that you may have had the best rates a year ago there may be better deals available now. There is too much inaccurate information about car insurance online but I'm going to show you some great ways to stop overpaying for insurance.

Oklahoma car insurance quotes

More discounts equal less premium

The price of auto insurance can be rather high, but companies offer discounts to cut the cost considerably. Most are applied when you get a quote, but some may not be applied and must be specifically requested before you will receive the discount. If you're not getting every credit you qualify for, you're just leaving money on the table.

  • Bundle and Save - When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • College Student - Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • New Car Discount - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Air Bag Discount - Factory air bags or motorized seat belts may earn rate discounts up to 30%.

It's important to note that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, you're out of luck. But any discount will bring down your premiums.

For a list of companies who offer car insurance discounts in Oklahoma, follow this link.

Automobile Insurance Quotes in Hollis, OK

Most major insurance companies like GEICO, State Farm and Progressive allow you to get insurance quotes on their websites. The process doesn't take much effort as you just type in your coverage preferences into the quote form. Once entered, their rating system will obtain reports for credit and driving violations and returns a price. Being able to quote online makes it a lot easier to compare rates but having to visit many different websites and fill out multiple forms is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.

A more efficient way to get multiple rate quotes utilizes a single form that obtains quotes from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. After your information is entered, it is rated and you can select any one of the quotes that you receive.

If the quotes result in lower rates, it's easy to complete the application and purchase coverage. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

If you want to find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you type in coverages and limits exactly as shown on your declarations page. This helps ensure you will have rate quotes based on identical coverages.

It's not one size fits all

When it comes to choosing coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's needs are different so your insurance needs to address that. Here are some questions about coverages that might point out if you could use an agent's help.

  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Oklahoma?
  • Why does it cost so much to insure a teen driver in Hollis?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It's fast, free and can provide invaluable advice.

In the end, you save

While you're price shopping online, it's very important that you do not sacrifice coverage to reduce premiums. In many instances, an insured cut full coverage and found out when filing a claim they didn't purchase enough coverage. The ultimate goal is to find the BEST coverage at an affordable rate.

We just showed you many ways to get a better price on car insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest premiums are with an unexpected company. These companies often have lower prices on specific markets as compared to the big name companies such as .

Lower-priced car insurance can be bought from both online companies in addition to many Hollis insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.