10 Discounts Wilburton Consumers Forget when Comparing Car Insurance

Expensive car insurance can overdraw your personal savings and force you to make sacrifices. Shopping your coverage around is a great way to help make ends meet.

You have so many to buy insurance from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare rates.

Compare Car Insurance Today

All major car insurance companies like Progressive, Allstate and GEICO allow you to get coverage price quotes on their websites. Getting quotes is fairly simple as you simply type in your required coverages as detailed in the form. After the form is submitted, their rating system will obtain credit information and your driving record and generates pricing information based on these and other factors. Being able to quote online streamlines rate comparisons, but the time it takes to visit many different websites and complete many quote forms is repetitive and time-consuming. But it's very important to have as many quotes as possible in order to find the best price on car insurance.

The preferred way to compare car insurance pricing is to use a quote form to obtain quotes from a lot of companies. The form is fast, eliminates form submissions, and makes quoting online much more enjoyable and efficient. Immediately after submitting the form, it is rated and you are able to buy any one of the resulting price quotes. If a lower price is quoted, you simply finish the application and buy the policy. The entire process only takes a few minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it's recommended you type in your coverages exactly as shown on your declarations page. This makes sure you will receive a fair comparison for the exact same coverage.

Are you getting all your discounts?

Companies don't always advertise every discount very clearly, so here is a list some of the more common as well as the least known discounts you could be receiving.

  • Government Employees - Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
  • New Car Discount - Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Pay Upfront and Save - By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Distant Student - Youth drivers who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Low Mileage Discounts - Keeping the miles down can qualify you for a substantially lower rate.
  • Own a Home - Simply owning a home can save you money because of the fact that having a home requires personal responsibility.
  • Claim Free - Drivers who don't have accidents can earn big discounts when compared to accident-prone drivers.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Accident Waiver - Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.

It's important to note that some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. Just because it seems like adding up those discounts means a free policy, you're out of luck.

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

How can Progressive, Allstate and GEICO save drivers who switch?

Car insurance providers like Progressive, Allstate and GEICO regularly use ads on television and other media. They all have a common claim that you can save if you move your coverage to them. How does each company make the same claim?

Insurance companies have a preferred profile for the type of customer that makes them money. An example of a driver they prefer could be between the ages of 30 and 50, has no prior claims, and drives newer vehicles. Any new insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted a higher premium and this can result in business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save that much money. This is how insurance companies can claim big savings. This emphasizes why you need to compare many company's rates. It's just too difficult to predict which insurance companies will give you the biggest savings.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different and your policy should reflect that. For instance, these questions can help discover whether you might need an agent's assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • Who is covered when they drive my vehicle?
  • What can I do if my company won't pay a claim?
  • What are Oklahoma no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my vehicle covered for flood damage?
  • Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Additional detailed information is available at the Oklahoma Insurance Department website. Consumers can download brochures, file complaints about an insurance agent or broker, view a list of available companies, and read enforcement actions against agents and companies.

Oklahoma car insurance quotes

Final considerations

When trying to cut insurance costs, it's very important that you do not reduce coverage to reduce premium. There are too many instances where consumers will sacrifice liability limits or collision coverage only to find out that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Lower-priced car insurance is possible from both online companies as well as from independent agents in Wilburton, and you should compare price quotes from both to have the best selection. A few companies don't offer online price quotes and these smaller companies work with independent agents.