Top Ways to Save on Perry Auto Insurance

No one likes paying for auto insurance, especially knowing they are paying too much. Multiple compete for your business, and it can be difficult to compare rates to find the lowest rate

It's important to compare prices occasionally since insurance rates are constantly changing. Even if you think you had the best deal last year you can probably find a lower rate today. So forget anything you know (or think you know) about auto insurance because it's time to teach you the only way to find lower rates on auto insurance.

If you have a policy now or need a new policy, you can follow these tips to find the best rates while maximizing coverage. Finding affordable coverage in Perry is easy if you know what you're doing. Oklahoma vehicle owners just need to know the most efficient way to compare company rates on the web.

Oklahoma auto insurance quotes

Finding Auto Insurance Deals in Perry, OK

There are several ways to shop for auto insurance, but there is one way that is less time-consuming than others. You can spend countless hours driving to agents in Perry, or you can utilize the web to get pricing more quickly.

The majority of car insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and every company then returns a price quote for coverage. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of form is you can't choose the providers you want to price. If you would rather choose specific insurance companies for rate comparison, we have a page of low cost auto insurance companies in Oklahoma. Click here to view list.

It's your choice how you get your quotes, but make absolute certain that you use the exact same coverage limits with each company. If you use differing limits it will be impossible to make an equal comparison in Perry.

Be sure to get all your discounts

Companies don't always advertise all their discounts in an easy-to-find place, so here is a list some of the best known and the more hidden savings tricks you should be using. If they aren't giving you every credit you qualify for, you're paying more than you need to.

  • Bundle and Save - When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
  • Theft Prevention System - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Drive Less and Save - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Lower Rates for Military - Being on active duty in the military could be rewarded with lower premiums.
  • Claim Free - Good drivers with no accidents can earn big discounts as compared to bad drivers.
  • Homeowners Savings - Owning a house in Perry can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Accident Forgiveness - A few companies permit an accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • Life Insurance - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Memberships - Affiliation with certain professional organizations is a good way to get lower rates on auto insurance.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn't make money that way.

To see a list of companies with discount auto insurance rates in Perry, click here to view.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone's needs are different so your insurance should reflect that For example, these questions might point out whether or not you might need an agent's assistance.

  • What is the difference between comprehensive and collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when delivering products for my home-based business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When do I need to add a new car to my policy?
  • Do I need to file an SR-22 for a DUI in Oklahoma?

If you're not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

For more Oklahoma car insurance information

More detailed Oklahoma auto insurance information is available at the Oklahoma Insurance Department website. Oklahoma drivers can view agent and company licensing information, read consumer alerts, find disaster information, and read industry bulletins.