Comparison Shop Jay Auto Insurance Prices With These Methods

Buying the most affordable Jay auto insurance on the web can seem to be somewhat difficult for people who are new to shopping for insurance online. With so many choices of companies in the marketplace, how can you possibly compare them all to find the best price?

It's important to do rate comparisons quite often since insurance rates are constantly changing. Even if you got the best price a few years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you're about to learn the only way to eliminate unnecessary coverages and save money.

Buying car insurance in Jay is quite easy. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Oklahoma drivers only need an understanding of the proper way to get comparison rates online.

Why some people pay less for insurance in Jay

Consumers need to have an understanding of the rating factors that go into determining auto insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get big savings.

Listed below are a few of the "ingredients" companies use to determine your rates.

  • Traffic citations inflate rates - Even a single moving violation can increase rates forty percent or more. Good drivers get better rates than bad drivers. Drivers who get serious violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to continue driving.
  • Teen drivers pay high rates - Teenage drivers in Oklahoma are statistically proven to be less responsible when driving so auto insurance rates are higher. Parents adding a youthful driver to your policy can be quite pricey. More mature drivers tend to be more responsible, file fewer claims and receive fewer citations.
  • Your credit rating is important - Your credit score is a big factor in determining what you pay for auto insurance. So if your credit is lower than you'd like, you could save money insuring your by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records than drivers with poor credit.
  • Optional equipment can affect rates - Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Discounts for multiple policies - Most auto insurance companies give discounts to people who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it's still a good idea to comparison shop to make sure you are getting the best deal.

Oklahoma auto insurance

Free Jay Auto Insurance Quotes

Reducing your insurance rates is a fairly straight forward process. You just have to invest a little time comparing rates from different insurance companies. This can be accomplished in several different ways.

  1. The fastest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This form keeps you from doing repetitive form entry to each individual auto insurance company. One form compares rates direct from many companies. Just one form and you're done.
  2. A less efficient way to get quotes online is going to each company website and fill out their own quote form. For example, we'll pretend you want comparison quotes from , and . To find out each rate you need to visit each site and enter your information, which is why the first method is quicker.

    To view a list of companies in Jay, click here.

It's up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverage limits and deductibles for each comparison quote. If you have different liability limits then you won't be able to determine the lowest rate in Jay.

Save big with these discounts

Companies offering auto insurance don't always advertise every available discount very well, so we took the time to find some of the best known and also the lesser-known ways to save on auto insurance. If you don't get every credit you deserve, you are paying more than you should be.

  • Good Student Discount - This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Resident Student - Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Passive Restraints - Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Military Rewards - Having a family member in the military could mean lower rates.
  • Senior Discount - If you're over the age of 55, you may qualify for reduced rates.
  • Organization Discounts - Affiliation with a professional or civic organization could trigger savings on your policy.

It's important to understand that most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn't quite work that way.

To choose providers offering auto insurance discounts in Oklahoma, click this link.

Auto insurance ads bend the truth

Oklahoma drivers can't ignore all the ads for car insurance savings by companies like State Farm and Allstate. All the ads make the same claim of big savings if you switch to them.

But how can every company say the same thing? It's all in the numbers.

All the different companies have a preferred profile for the type of driver that makes them money. For example, a preferred risk might be profiled as between 25 and 40, insures multiple vehicles, and has a short commute. A propective insured who matches those parameters will get very good rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile will be charged higher prices which leads to business not being written. The ads say "customers who switch" not "people who quote" save money. This is how insurance companies can confidently make the claims of big savings. That is why you need to get as many quotes as possible. It's not possible to predict which insurance companies will fit your personal profile best.

But I don't know anything about car insurance

When buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions may help you determine if your situation would benefit from an agent's advice.

  • Do I need to file an SR-22 for a DUI in Oklahoma?
  • What are Oklahoma no-fault laws?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Oklahoma?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?

If it's difficult to answer those questions then you might want to talk to an agent. If you don't have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

More tips and info about auto insurance can be found at the Oklahoma Insurance Department website. Oklahoma drivers can file complaints about a company, read enforcement actions against agents and companies, and find out industry alerts.

Other informative sites include III.org's auto insurance page and this directory of insurance agents in Jay Oklahoma.

Jay auto insurance comparison

Best coverage at the best price

In this article, we covered some good ideas how to compare auto insurance prices online. The key thing to remember is the more you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the most savings is with some of the smallest insurance companies.

As you shop your coverage around, don't be tempted to reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.

Insureds switch companies for a variety of reasons including poor customer service, not issuing a premium refund, policy cancellation or even unfair underwriting practices. Whatever your reason, finding a new auto insurance company is easier than you think.