Cheap Car Insurance for Handicapped Drivers in Oklahoma

When buying insurance for drivers with handicaps, one of the key criteria that insurance companies use when figuring the policy price is your address in Oklahoma. Areas with more people or even just a higher incidence of claims like Del City, Bixby, and Oklahoma City tend to have higher auto insurance costs, whereas areas that are not as densely populated have the luxury of lower rates.

The illustration below ranks the most expensive cities in Oklahoma for handicapped drivers to purchase auto insurance in.

Table data uses comparative as the specific Oklahoma residence address can alter premiums noticeably.

The vehicle model on the policy is probably the largest consideration when quoting cheap car insurance for handicapped drivers in Oklahoma. Vehicles with reasonable performance levels, good crash test ratings, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models. The information below ranks coverage costs for some of the most budget-friendly vehicles to insure.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in zip code location which can influence prices significantly.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can affect premium rates significantly.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in specific location which can affect rates substantially.

Deciphering which companies quote the lowest-priced car insurance rates for handicapped drivers will involve a bit more effort in order to find coverage that fits your buget.

Every auto insurer has a unique formula for determining prices, so let’s take a look at the overall cheapest car insurance companies in Oklahoma.

Cheapest Insurance Rates in Oklahoma

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USAA may offer some of the lowest car insurance rates in Oklahoma at around $1,150 annually. Oklahoma Farmers Union, The Hartford, Safe Auto, and GEICO are also some of the more affordable Oklahoma insurance companies.

As shown above, if you have coverage with Safe Auto and switched to Oklahoma Farmers Union, you may see a yearly price reduction of upwards of $187. Insureds with GEICO could save as much as $204 a year, and Farmers policyholders might reduce prices by as much as $232 a year.

Understand that those premium estimates are averaged for all drivers and vehicles in Oklahoma and and are not calculated with a rate discount for handicapped drivers. So the auto insurance company that has the cheapest rates for you may not even be in the above list. That is why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

Careless drivers pay higher rates

A great way to enjoy cheap car insurance for handicapped drivers in Oklahoma is to be a good driver and avoid tickets and accidents. The example below shows how violations and at-fault claims can increase auto insurance costs for different categories of driver ages. The data assumes a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2759,3349,3953],[‘Age 30’, 1423,2017,2619],[‘Age 40’, 1387,1983,2587],[‘Age 50’, 1277,1873,2475],[‘Age 60’, 1253,1845,2449],[‘Age 70’, 1475,2069,2673]]);var options = {title: ‘Effect of Citations and Accidents on Oklahoma Auto Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Oklahoma’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of an auto insurance policy in Oklahoma per year with no accidents or violations is $1,596. Get two speeding tickets and the average cost surges to $2,189, an increase of $594 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of car insurance for handicapped drivers increases to an average of $2,793. That’s an increase of $1,197, or $100 per month, just for not being more responsible behind the wheel!

Discounts on cheap car insurance for handicapped drivers in Oklahoma

Insurance companies that provide policies for handicapped drivers may also give you premium discounts that could potentially reduce rates by 30% or more if you can meet the requirements. The best car insurance companies and a selection of discounts are outlined below.

The diagram below illustrates the comparison of premium costs with and without discounts applied to the premium. The rates are based on a male driver, no driving violations, no at-fault accidents, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple policy, defensive driving course, multiple vehicle, claim-free, safe-driver, and marriage discounts applied. With discounts applied, the the average yearly reduction on car insurance for handicapped drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 6031,4335],[‘Age 30’, 3095,2245],[‘Age 40’, 3081,2229],[‘Age 50’, 2797,2023],[‘Age 60’, 2703,1955],[‘Age 70’, 3279,2361]]);var options = {title: ‘Insurance Rate Comparison for Handicapped Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Cheap insurance quotes for drivers with handicaps

Consumers have many ways to quote car insurance rates in Oklahoma, but the three most common are from a captive (or exclusive) agent like Liberty Mutual or Allstate, an independent agent, or from a direct company like Geico or Progressive. Each way has the same basic steps, but it’s good to know the differences in how they price policies.

Independent agents can place your business with multiple companies and can compare coverage rates with all of them. These agents are able to quote rates with many companies, which may give you a better overall rate comparison. If premiums increase, they can switch companies in-house without having to get a different agent.

A captive or exclusive agent is able to quote prices with a single company, two popular examples being a Liberty Mutual or State Farm agent. These agents normally cannot quote rates from more than one company, so it’s a good idea to get additional quotes.

If you choose to buy car insurance direct, you do not use an independent or exclusive agent and buy direct either online or via phone. Buying direct may be good for families who do not need risk management and have knowledge of what is covered and what is not.

Which method works best to buy cheap car insurance for handicapped drivers in Oklahoma? We would first guess that buying direct results in the cheapest rates because there are no middleman commissions, but in reality, that is not true. It would also be easy to say using an independent agent guarantees the lowest rates because you have more choices, but again, it’s not necessarily true. In many cases, exclusive agencies may have very competitive prices that cannot be met by either independent or direct companies.

Because there is so much variation in car insurance prices, the guaranteed way to get the lowest rate is to do a thorough rate comparison. We highly recommend getting rate quotes from independent agents, exclusive agents, and direct companies in order to find the best price. For a list of car insurance companies with low rates, click here to view.