9 Ways You Can Buy Car Insurance for Less in Piedmont

Overpriced car insurance can dwindle your bank account and put a big crunch on your finances. Shopping your coverage around is a smart way to lower your monthly bill. Drivers have multiple to pick from, and even though it's nice to have multiple companies, it can be more challenging to compare rates.

These nine discounts can lower your rates

Insuring your fleet can be pricey, but you can get discounts that you may not know about. Certain discounts will be triggered automatically at the time of quoting, 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 deserve, you are throwing money away.

Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
Distant Student - Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Accident Waiver - Certain companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
Multiple Policy Discount - If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Government Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.
Early Switch Discount - Some companies give discounts for switching to them prior to your current policy expiring. It's a savings of about 10%.
Good Student Discount - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. Even though it may seem like it's possible to get free car insurance, it just doesn't work that way. But any discount will bring down the cost of coverage.

Different people need different coverages

When it comes to buying coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine whether you will benefit from professional help.

What can I do if my company won't pay a claim?
Why does it cost so much to insure a teen driver in Piedmont?
I have good health insurance, so how much medical payments coverage do I need?
What is the difference between comprehensive and collision coverage?
Do I need PIP (personal injury protection) coverage in Oklahoma?
What are Oklahoma no-fault laws?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my cargo covered for damage or theft?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for car insurance savings by State Farm, Allstate and GEICO. They all say the same thing that you can save after switching to their company.

How does each company make the same claim? It's all in the numbers.

All companies have a preferred profile for the driver that earns them a profit. A good example of a driver they prefer could be between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. Any new insured who fits that profile gets the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will be quoted more money which usually ends up with business going elsewhere. The ads say "customers who switch" not "everybody who quotes" save that much. This is how insurance companies can make those claims.

This emphasizes why drivers should compare as many rates as you can. It's just too difficult to predict which insurance companies will have the lowest rates.

More information can be read on the website for the Oklahoma Insurance Department found here. Consumers can view a list of available companies, read enforcement actions against agents and companies, get help finding coverage, and view agent and company licensing information.

Also read more on this page for car insurance prices in Oklahoma and this list of insurance agents in Piedmont, OK.

Best coverage at the best price

While you're price shopping online, make sure you don't skimp on coverage in order to save money. There have been many situations where drivers have reduced collision coverage and discovered at claim time they didn't purchase enough coverage. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

Affordable car insurance can be sourced from both online companies and also from your neighborhood Piedmont agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.