Proven Techniques to Save on Thackerville Auto Insurance

Scraping up a payment for overpriced auto insurance can empty your personal savings and put a big crunch on your finances. Doing a price comparison is a great way to slash your bill and have more diposable income. Because you have many auto insurance companies to choose from, it's nearly impossible to pick the cheapest car insurance company.

Finding affordable coverage in Thackerville is easy if you know what you're doing. If you currently have car insurance, you will be able to lower your premiums substantially using this information. Oklahoma vehicle owners just need to know the most efficient way to compare company rates over the internet.

Be sure to get all your discounts

Companies don't always advertise every discount very well, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving. If you don't get every credit you deserve, you're paying more than you need to.

Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
Distant Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Accident Waiver - Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a certain period of time.
Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy qualifies for this discount.
Paperwork-free - Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
No Accidents - Drivers who don't have accidents can save substantially when compared to bad drivers.
Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
Early Switch Discount - Select companies give a discount for switching policies before your current expiration date. It's a savings of about 10%.

Consumers should know that some credits don't apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like you could get a free auto insurance policy, companies don't profit that way.

To see a list of insurance companies who offer auto insurance discounts in Oklahoma, click here.

Low Cost Thackerville Auto Insurance

There are several ways to compare auto insurance quotes, but there is one way that is easier and takes less work. You can waste a lot of time talking to insurance companies in Thackerville, or you can stay home and use online quoting to get the quickest rates.

Many insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each company returns a competitive quote based on that data. This prevents consumers from doing quote forms to each individual auto insurance company.

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

One minor caviat to comparing rates this way is you can't choose which carriers to get quotes from. So if you want to choose individual companies to compare prices, we have a page of the cheapest auto insurance companies in Oklahoma. Click to view list.

Whichever method you choose, make darn sure you compare apples-to-apples quote information on every quote you get. If you have mixed coverages you will not be able to determine which rate is truly the best in Thackerville.

Thackerville Rates are Influenced by These Factors

An important part of buying insurance is that you know the factors that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to better auto insurance rates.

The following are a few of the "ingredients" auto insurance companies consider when setting prices.

Occupation reflects on rates - Did you know that where you work can have an impact on rates? Careers like lawyers, social workers and stock brokers tend to have the highest rates in part from stressful work requirements and long work hours. On the other hand, occupations like pilots, students and performers receive lower rates.
Mature drivers pay less - Teen drivers in Oklahoma are known to be careless and easily distracted when driving so auto insurance rates are higher. Having to add a youthful driver to your auto insurance policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Men and women have accidents in similar percentages, but the men have costlier accidents. Men also statistically get more serious tickets such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
Discounts for multiple policies - Many insurance companies provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it's in your best interest to compare rates to ensure the best deal.
Increase deductibles and save - The deductibles define the amount you are required to spend in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and burglary. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.

How do I know if I need professional advice?

When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured's situation is different and your policy should reflect that. For example, these questions may help you determine whether or not you might need an agent's assistance.

Why am I required to get a high-risk car insurance policy?
Why does it cost so much to insure a teen driver in Thackerville?
Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?
Can I afford to buy a different vehicle if my vehicle is totaled?
Does my liability insurance cover pulling a trailer or camper?
What companies insure drivers after a DUI or DWI?
Do I have coverage when using my vehicle for my home business?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Is there truth in advertising?

Oklahoma consumers can't get away from ads for car insurance savings by Progressive, Allstate and GEICO. They all have a common claim that you'll save big after switching to their company.

But how can every company make almost identical claims? This is how they do it.

Different companies have a preferred profile for the driver that is profitable for them. For example, a driver they prefer could possibly be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. A customer getting a price quote that hits that "sweet spot" will get very good rates and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted a higher premium and this can result in the driver buying from a lower-cost company. The ads say "drivers who switch" but not "drivers who get quotes" save that much. This is how companies can make the claims of big savings. This emphasizes why drivers must get a wide range of price quotes. It's impossible to know which insurance companies will fit your personal profile best.

A tidy conclusion

As you shop your coverage around, do not reduce coverage to reduce premium. There are too many instances where drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

Discount auto insurance can be sourced online and also from your neighborhood Thackerville agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

More detailed Oklahoma auto insurance information can be found at the Oklahoma Insurance Department website. Oklahoma consumers can read industry bulletins, read enforcement actions against agents and companies, learn about insurance regulations, and read consumer alerts.

Additional helpful sites include this online resource for auto insurance quotes in Oklahoma and this list of insurance agents in Thackerville.