Top Ways to Save on Tonkawa Car Insurance

Have you had enough of scraping the payment together each month for car insurance? You are no different than many other drivers in Oklahoma. Multiple compete for your insurance dollar, so it's not easy to compare every and get the definite lowest price

It's important to do rate comparisons before your policy renews because rates are constantly changing. If you had the lowest price six months ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance on the internet, so I'm going to show you some great ways to save money.

Take advantage of discounts

Insuring your vehicles can cost a lot, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but a few must be requested specifically prior to getting the savings. If they aren't giving you every credit available, you're paying more than you need to.

  • Homeowners Pay Less - Owning a house in Tonkawa may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.
  • Use Seat Belts - Buckling up and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Accident Free - Claim-free drivers pay much less as compared to bad drivers.
  • Sign Early and Save - A few companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
  • Good Students Pay Less - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Sign Online - Some insurance companies will give a small break for buying your policy on their website.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will cut your overall premium however.

To see a list of companies with the best car insurance discounts in Tonkawa, follow this link.

Compare Tonkawa Car Insurance Costs

Finding cheaper car insurance prices is a fairly straight forward process. Just spend a little time to compare rate quotes provided by online insurance companies. This is very easy and can be done in several different ways.

  • The best way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This method eliminates the need for boring form submissions for each company. In just a few minutes this one form gets you coverage quotes from all major companies.
  • Another way to compare rate quotes consists of going to each individual company website to complete their respective quote request forms. For example, let's say you want rates from , and . You would have to visit each site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in Tonkawa, click here.

Whichever way you use, ensure you're using the exact same coverages on every quote you get. If you compare different limits and deductibles on each one it will be impossible to determine which rate is truly the best in Tonkawa.

Why some people pay less for insurance in Tonkawa

An important part of buying insurance is that you know some of the elements that come into play when calculating your car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that may reward you with better car insurance rates.

The list below includes a partial list of the pieces companies use to determine rates.

  • Bump up deductibles to save - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more you're willing to pay, the less your company will charge you for insurance.
  • Allowing your policy to lapse raises rates - Driving with no insurance is illegal and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, but not being able to provide proof of insurance can result in a steep fine or even jail time.
  • Rates may be higher depending on your occupation - Jobs such as judges, architects and accountants tend to pay higher rates than average attributed to high stress levels and long work hours. On the flip side, professions such as farmers, athletes and the unemployed have the lowest average rates.
  • How's your driving record? - Your driving citation history impacts your car insurance rates tremendously. Good drivers receive lower rates than people who have multiple driving citations. Just one moving violation can increase rates by twenty percent. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Marriage pays dividends - Having a wife or husband actually saves money when buying car insurance. It is viewed as being more responsible and it's statistically proven that drivers who are married are more cautious.
  • Mature drivers pay less - Mature drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations. Young drivers tend to be more careless in a vehicle therefore car insurance rates are much higher.
  • Do you qualify for a multi-policy discount? - The majority of companies will give a discount to policyholders who carry more than one policy. It's known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount you may still want to compare rates to make sure you are getting the best deal. Consumers may find better rates by insuring with multiple companies.
  • Extra add-on coverages are wasting money - There are a lot of extra bells and whistles that you can buy on your policy. Coverages like roadside assistance, towing coverage and motor club memberships are examples of these. These may sound like a good investment at first, but if you don't need them get rid of them and save.

Are car insurance companies telling the truth?

Consumers can't get away from ads for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you move to them.

How do they all make the same claim?

Different companies can use profiling for the type of driver that is profitable for them. For instance, a desirable insured could be a mature driver, is a homeowner, and has a high credit rating. A customer who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will have to pay a higher premium which usually ends up with business going elsewhere. The ads say "people who switch" not "people who quote" save money. That's why companies can truthfully state the savings.

Because of the profiling, drivers must compare as many rates as you can. Because you never know the company that will have the lowest rates.

In the end, you save

Cheaper car insurance is definitely available from both online companies and with local Tonkawa insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We just showed you many ways to compare car insurance prices online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with an unexpected company. These smaller insurers may cover specific market segments cheaper than their larger competitors like .

Additional information is located on the website for the Oklahoma Insurance Department through this link. Consumers can report car insurance fraud, find a variety of consumer forms, read industry bulletins, and file complaints about a company.