Best Way to Find Cheap Temple Car Insurance

Beginners to shopping for insurance online will discover finding cheap Temple car insurance quite difficult.

It's important to check car insurance prices periodically because rates are constantly changing. Just because you found the best price a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate how to use online quotes to find the best coverage while lowering your premiums.

What determines how much you pay?

Consumers need to have an understanding of some of the elements that help determine your car insurance rates. Knowing what influences your rates allows you to make educated decisions that can help you get big savings.

  • Better credit means lower rates - Your credit history is a huge factor in determining your rates. So if your credit rating is not that good, you could save money insuring your by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with lower credit scores.
  • How's your driving record? - Good drivers tend to pay less for car insurance compared to drivers with tickets. Just one speeding ticket can increase rates twenty percent or more. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Marriage pays dividends - Having a spouse can get you a discount when buying car insurance. Marriage is viewed as being more mature it has been statistically shown that married couples file fewer claims.
  • Rural vs Urban Areas - Living in less populated areas has it's advantages when it comes to car insurance. City drivers regularly have congested traffic and longer commutes to work. Lower population means fewer accidents.

Temple car insurance quote

How to Get Temple Car Insurance Comparison Quotes

There are several ways to compare quotes from different Temple insurance companies. One of the best ways to compare insurance prices involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to get quotes is to use a rate comparison form like this one (opens in new window). This method eliminates the need for repetitive form submissions to each individual car insurance company. Just one form gets you price quotes from multiple companies. It's definitely the quickest method.
  2. Another way to get quotes online requires visiting the website for each individual company and fill out their own quote form. For example, let's assume you want to compare , and . To find out each rate you need to visit each site and enter your policy data, and that's why the first method is more popular.

    To view a list of companies in Temple, click here.
  3. The least efficient method to get comparison rates is driving to different Temple agent offices. The internet eliminates the need for an insurance agent unless you have a need for the professional advice only provided by licensed Temple agents. You can, however, find lower rates online and still use a local agent and we'll talk about that later.

Whichever way you use, be sure to compare identical quote information for every quote you compare. If you have mixed coverages it will be very difficult to determine the best price in Temple. Just a small difference in limits can make a big difference in price. Keep in mind that quoting more helps you find the best offered rates.

Save big with these discounts

Companies that sell car insurance do not list every available discount very clearly, so we took the time to find some of the more common and the harder-to-find car insurance savings.

  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Good Student - This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Accident Forgiveness - Certain companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Multi-policy Discount - If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.
  • Early Switch Discount - Select companies give a discount for switching to them prior to your current policy expiration. It's a savings of about 10%.

It's important to note that most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you're out of luck.

To choose providers who offer car insurance discounts in Oklahoma, follow this link.

Car insurance ads bend the truth

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads say the same thing that you can save after switching to them. How does each company make the same claim? This is how they do it.

All the different companies have a certain "appetite" for the type of driver that makes them money. For example, a preferred risk could be a mature driver, a clean driving record, and has excellent credit. A customer who fits that profile will get very good rates and most likely will save when switching.

Potential customers who fall outside these standards will be charged higher prices which usually ends up with business going elsewhere. The ads say "drivers who switch" not "people who quote" save money. That is how insurance companies can make those claims. That is why you need to get quotes from several different companies. Because you never know which company will have the lowest rates.

But I don't know anything about car insurance

When buying the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's situation is unique.

These are some specific questions may help highlight if your situation would benefit from professional advice.

  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Oklahoma?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older 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 an agent. If you don't have a local agent, complete this form.

Additional detailed information can be found at the Oklahoma Insurance Department website. Consumers can find out industry alerts, file complaints about a company, and get help finding coverage.

Other informative sites include NAIC.org's Understanding your Policy and this directory of Temple insurance agents.

Oklahoma car insurance

Shop smart and save

While you're price shopping online, make sure you don't reduce coverage to reduce premium. Too many times, someone dropped physical damage coverage only to regret at claim time they didn't purchase enough coverage. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

We just showed you many ways to compare car insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on car insurance is with a smaller regional carrier.

Lower-priced car insurance can be sourced from both online companies and with local Temple insurance agents, and you need to price shop both so you have a total pricing picture. Some companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.