Who Has the Cheapest Auto Insurance Quotes for Drivers with a Bad Driving Record in Oklahoma?

This would be a quick read if we could just tell you the one best car insurance company that has the best auto insurance prices in Oklahoma. It’s just not that simple, as there are a ton of unknown aspects like whether you are male or female, what coverage limits you need, and your financial responsibility. This article will detail the best ways to pay less and will give you a solid foundation to find cheaper car insurance.

When buying insurance for bad drivers, one of the key things that is used to help calculate the price you pay for insurance is the neighborhood you call home in Oklahoma. Areas with increased crime or more people like Tulsa, Sand Springs, and Broken Arrow will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.

The information below rates the higher priced cities in Oklahoma for drivers with a bad driving record to buy auto insurance in.

Table data uses comparative as specific Oklahoma garaging address can decrease or increase auto insurance rates noticeably.

Finding decent, low-cost auto insurance is not most people’s favorite thing to do, and figuring out which companies offer the most affordable insurance rates for drivers with a bad driving record will require even more rate comparisons. Prices may be significantly higher than the state average, with the higher price attributed to the potentially higher risk associated with offering coverage for bad drivers, but economical insurance should be obtainable with a little diligence. Each auto insurance company has their own unique process to determine rates, so we need to take a look at the insurance companies with the most affordable rates in Oklahoma.

Keep in mind that Oklahoma insurance rates are influenced by many factors which can substantially change the price you have to pay. Turning one year older, moving to a new city, or getting into an accident may cause policy rate changes that may make certain companies much cheaper than others.

Best Insurance Companies for Imperfect Drivers

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USAA generally has some of the best car insurance rates in Oklahoma at around $1,161 each year. Oklahoma Farmers Union, The Hartford, Farmers, and GEICO also rank well as some of the cheaper Oklahoma auto insurance companies.

As shown in the table above, if you currently have a policy with Farmers and switched to Oklahoma Farmers Union, you might achieve an annual premium reduction of about $204. Customers with GEICO may save as much as $204 a year, and Safe Auto insureds might realize rate reductions of up to $215 a year.

Remember that these premium estimates are averages across all drivers and vehicles in Oklahoma and are not factoring in a price increase for drivers with a bad driving record. So the company that is most affordable for your situation may not even be included in the list above. That’s why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

Discounts on the cheapest auto insurance for drivers with a bad driving record in Oklahoma

Insurance providers that offer coverage for drivers with a bad driving record may also provide price discounts that could potentially reduce rates by as much as 35% or more if you are eligible. A few popular companies and some of the premium reductions they offer include:

• State Farm may offer discounts for Steer Clear safe driver discount, anti-theft, passive restraint, multiple policy, safe vehicle, and driver’s education.
• American Family includes discounts for mySafetyValet, good driver, multi-vehicle, defensive driver, and early bird.
• GEICO may have discounts that include daytime running lights, five-year accident-free, military active duty, emergency military deployment, anti-theft, federal employee, and seat belt use.
• 21st Century offers premium reductions for defensive driver, early bird, air bags, 55 and older, and anti-lock brakes.
• Progressive discounts include multi-vehicle, homeowner, good student, continuous coverage, multi-policy, online quote discount, and online signing.

The chart below illustrates the comparison of insurance rates with and without discounts. The rate quotes are based on a female driver, one speeding ticket and one accident, Oklahoma state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, multiple vehicle, vehicle safety, multiple policy, continuous coverage, and passive restraint discounts applied. When drivers qualify for the discounts, the the average yearly reduction on insurance for drivers with a bad driving record is 28% or $1,387.

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Tickets and at-fault accidents raise rates

A great way to snag good insurance premiums in Oklahoma for bad drivers is to drive cautiously and avoid accidents and traffic violations. The chart below demonstrates how traffic citations and accidents can influence premium costs for each different age group. The rates are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are applied.

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The data charted above shows the average cost of a car insurance policy in Oklahoma per year with no accidents and a clean driving record is $2,005. Get written up for two speeding tickets and the average cost rises to $2,770, an increase of $764 each year. Now throw in one accident along with the two speeding tickets and the annual cost of insurance for drivers with a bad driving record increases to an average of $3,532. That’s an increase of $1,526, or $127 per month, just for not driving responsibly!

Cheapest insurance quotes for bad drivers

You have many ways to get cheap insurance quotes in Oklahoma, but the most popular methods are from a captive (or exclusive) agency like Allstate or State Farm, an independent or non-exclusive agent, or direct from companies such as Progressive or Geico.

They all have the same basic principle, but insurance buyers need to understand the differences in how they price policies.

Independent agencies can place your business with multiple companies and can get rate quotes from all of them. These types of agents have the ability to provide multiple price quotes, which may provide you with improved chances of finding a lower rate. If your agent finds a cheaper company, your policy can be moved and you stay with the same agent.

Exclusive agencies are only able to quote rates from a single company, two examples are an Allstate or State Farm agent. Exclusive agents normally do not have the ability to shop your coverage around, so drivers will want to get other quotes as well.

If you want to buy insurance direct, you skip an exlusive or independent agent and instead shop from a direct company like Esurance or Progressive. Buying insurance direct may be good for people who do not need risk management and understand what specific coverages they need.

Which way is best for finding the cheapest auto insurance for drivers with a bad driving record in Oklahoma? Our initial answer would be buying from a direct car insurance company saves money since it doesn’t require paying agent commissions, but in reality, that argument does not hold true. A good argument could also be made that buying from an independent agent is the best way to go because you have more choices, but again, it’s not necessarily true. And often times, exclusive agents may have prices that are the cheapest.

Since insurance rates vary so much, the best method to ensure the lowest rates is to obtain price quotes and compare them. The ideal approach is to get price quotes from all three in order to have enough rates to compare. For a list of companies with cheap rates in Oklahoma, click here to view.

How to find low-cost insurance for drivers with a bad driving record

Below you’ll find some of the recommended penny-pinching solutions that can help drivers quote more affordable auto insurance.

• Staying accident-free helps keep rates low
• Choose a safer vehicle and pay lower rates
• Bundle car and home insurance and save money
• Don’t waste money on full coverage for older vehicles
• Save money by staying claim-free
• Do not get traffic citations
• Compare rates often to find the best deal

That final tip is notably crucial, as we emphasized in the prior information. Insurance rates in Oklahoma adjust frequently, so drivers shouldn’t be resistant to buy from a different company if a more affordable price is available.

Many drivers prefer to stick with one company, but it isn’t a good idea if that inflexibility results in costing you hundreds of dollars year after year. Take a couple minutes and compare rates and find cheaper auto insurance for drivers with a bad driving record.