Comparing Low-Cost Purcell Auto Insurance

Have you had enough of being strong-armed each month for car insurance? You're in the same situation as many other Oklahoma consumers.

With consumers having so many online and local companies to choose from, it is hard for the average consumer to find the lowest price provider.

It's important to shop coverage around once or twice a year because prices are constantly changing. If you had the lowest rates six months ago there is a good chance you can find better rates now. Starting right now, forget all the misinformation about auto insurance because you're going to get a crash course in the tricks you need to know to find better rates and still maintain coverage.

Finding the lowest cost auto insurance coverage in Purcell is not that difficult. Essentially every vehicle owner who is required by state law to have auto insurance will most likely be able to lower their premiums. But Oklahoma drivers do need to know how the larger insurance companies determine prices and use this information to your advantage.

Tips to Get Lower Purcell Rates

Consumers need to have an understanding of the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Sex matters - The statistics show women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. Women and men cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
Too many auto insurance claims drive up costs - Car insurance companies in Oklahoma generally give discounts to people who do not file claims often. If you frequently file small claims, you can expect higher rates. Auto insurance is designed for major claims that would cause financial hardship.
Save money with special equipment - Driving a car with a theft deterrent system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder auto theft.
Do you qualify for a multi-policy discount? - The majority of insurance companies will give a discount to customers who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it's still a good idea to comparison shop to verify if the discount is saving money. Consumers may find better rates by buying insurance from more than one company.
Liability coverage is peace of mind - The liability section of your policy will protect you if ever a court rules you are at fault for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
Don't buy coverages you don't need - There are a lot of extra bells and whistles that you can buy on your auto insurance policy. Things like personal injury protection, towing coverage and additional equipment coverage are some examples. They may seem like a good idea initially, but now you might not need them so remove them from your policy.
Having a spouse can save you money - Having a spouse actually saves money on auto insurance. It translates into being more mature than a single person and statistics show drivers who are married are more cautious.

How to Compare Auto Insurance Costs in Purcell

Shopping for lower auto insurance rates can be a lot of work if you don't understand the fastest way to get free quotes. You can spend your afternoon talking to insurance agencies in Purcell, or you could use the internet to get the quickest rates.

Most of the larger companies are enrolled in a marketplace that enables customers to submit one quote, and every company then gives them pricing. This prevents consumers from doing form submissions to each individual auto insurance company.

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

The only drawback to using this type of form is buyers cannot specifically choose which providers to receive prices from. So if you want to select specific providers to request quotes from, we have a page of companies who write auto insurance in Oklahoma. View list of Oklahoma insurance companies.

Whichever method you choose, double check that you are using apples-to-apples deductibles and coverage limits with each company. If you compare different values for each quote then you won't be able to make an equal comparison in Purcell. Slightly different insurance coverages may result in large price differences. It's important to know that comparing more company's prices provides better odds of finding better pricing.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be requested specifically before you will receive the discount.

Save over 55 - If you're over the age of 55, you can possibly qualify for a small decrease in premiums.
Driver's Ed - Cut your cost by having your teen driver complete a driver education course in high school.
Lower Rates for Military - Being deployed with a military unit can result in better rates.
Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
Organization Discounts - Participating in a professional or civic organization may earn a discount on auto insurance.
Drive Less and Save - Keeping the miles down can earn a substantially lower rate.
Sign Online - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
Homeowners Pay Less - Owning a house in Purcell can save you money because of the fact that having a home is proof that your finances are in order.
Good Students Pay Less - This discount can get you a discount of up to 25%. This discount can apply up to age 25.

Consumers should know that some credits don't apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies don't profit that way. But all discounts will help reduce your premiums.

To choose companies with the best auto insurance discounts in Oklahoma, click here.

The auto insurance bait and switch

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to have a common claim that you'll save big if you move your coverage to them. But how can every company make almost identical claims? It's all in the numbers.

All companies can use profiling for the type of customer that makes them money. For example, a desirable insured could possibly be between the ages of 40 and 55, has no tickets, and has a high credit rating. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile will have to pay more money and this can result in the driver buying from a lower-cost company. The ads say "customers who switch" not "everyone that quotes" save that much money. That's why companies can state the savings.

Because of the profiling, you need to quote coverage with many companies. It's impossible to know the company that will have the lowest rates.

Much more information about auto insurance in Oklahoma can be found on the website for the Oklahoma Insurance Department found here. Oklahoma consumers can learn about insurance regulations, download brochures, view a list of available companies, and read consumer alerts.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Purcell.

Final considerations

As you restructure your insurance plan, do not reduce coverage to reduce premium. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. Your aim should be to purchase plenty of coverage at the best price.

Discount auto insurance is possible online as well as from independent agents in Purcell, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.