Tightwads Tips for Saving on Warner Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say you're not alone.

You have multiple to pick from, and although it's nice to have a selection, having more makes it harder to compare rates.

The purpose of this post is to help educate you on the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Nevertheless, Oklahoma consumers do need to know the way companies sell insurance online because it can help you find the best coverage.

Don't pay full price with these discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but less common discounts must be requested specifically before you will receive the discount.

Memberships - Being a member of a qualifying organization may earn a discount when buying car insurance.
Homeowners Discount - Owning a home in Warner can save you money because owning a home shows financial diligence.
Discount for Good Grades - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
Life Insurance Discount - Larger companies have a discount if you purchase auto and life insurance together.
Student in College - Youth drivers who are attending college and do not have a car may be able to be covered for less.
Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Fewer Miles Equal More Savings - Driving fewer miles could be rewarded with a substantially lower rate.
Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.

Consumers should know that some credits don't apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will bring down your premiums.

To see a list of insurers offering car insurance discounts in Oklahoma, click here.

Compare Quotes for Warner Car Insurance

There are multiple methods to compare car insurance prices and some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with agents in Warner, or you could use the internet to get prices fast.

Many insurance companies take part in a program that enables customers to send in one quote, and each participating company returns a rated price for coverage. This prevents consumers from doing quotation requests to each individual car insurance company. To submit your quote information now, click to open in new window.

One minor caviat to doing it this way is you can't choose which carriers you want pricing from. If you prefer to choose specific insurance companies for rate comparison, we have a listing of companies who write car insurance in Oklahoma. Click here for list of insurance companies in Oklahoma.

Whichever method you choose, ensure you are comparing identical coverages and limits for each price quote. If you use different deductibles you can't possibly truly determine the lowest rate in Warner. Slightly different coverage limits can mean a large discrepancy in price. Just remember that more quotes helps you find a lower rate.

Why some people pay less for insurance in Warner

An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that could result in big savings.

Listed below are a partial list of the pieces companies use to determine premiums.

Protect your assets with liability insurance - Liability insurance provides coverage if you are found liable for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
Do you know your deductibles? - The deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The more you're willing to pay, the less your car insurance will be.
Bad driving skills means higher rates - Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers get better rates than bad drivers. Even a single citation can increase rates forty percent or more. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
Where you live is a factor - Choosing to live in less populated areas is a positive aspect when talking about car insurance. Urban drivers have more traffic problems and a longer drive to work. Fewer people means fewer accidents as well as less vandalism and auto theft.
Mature drivers pay less - Youthful drivers in Oklahoma are statistically proven to get distracted easily when behind the wheel so they pay higher car insurance rates. Older insureds are more responsible, file fewer claims and tend to be better behind the wheel.
Do you qualify for a multi-policy discount? - Most insurance companies will award you with lower prices to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it's still a good idea to compare rates to make sure you are getting the best deal. You may still be able to find a better deal by buying car insurance from a different company.

The car insurance bait and switch

Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies have a common claim of big savings if you switch to them. How does each company claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the type of driver that is profitable for them. For instance, a profitable customer might be between the ages of 30 and 50, has no driving citations, and has a high credit rating. Any driver that hits that "sweet spot" is entitled to the best price and therefore will save when switching.

Drivers who don't measure up to these standards must pay higher premiums and this can result in the customer not buying. The ads state "customers who switch" not "everyone that quotes" save money. That's the way insurance companies can confidently state the savings.

This illustrates why drivers must get quotes from several different companies. You cannot predict which car insurance company will have the lowest rates.

The best insurance company isn't always the cheapest

Cost effective car insurance is available both online and with local Warner insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

We just presented a lot of ways to compare car insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from a small mutual company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as .

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. In too many instances, someone sacrificed liability coverage limits only to discover later that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Learn more about Oklahoma car insurance

Additional car insurance information is located on the website for the Oklahoma Insurance Department found here. Visitors are able to find out which companies have the most complaints, report car insurance fraud, file complaints about a company, and view agent and company licensing information.

Additional helpful sites include this link for Oklahoma car insurance quotes and this link which helps you find a Warner agent.