How to Save on Auto Insurance in Oklahoma City

A study showed that most car insurance customers have purchased from the same company for over three years, and approximately 38% of consumers have never compared rates to find affordable insurance. Consumers in Oklahoma can cut their rates by almost $550 a year just by comparing rates, but they don’t want to spend time to compare rates online.

If you want to save the most money, the best way to get cheaper auto insurance rates is to compare prices at least once a year from insurance carriers that sell auto insurance in Oklahoma City. Rates can be compared by following these steps.

An essential thing to point out is to compare the same deductibles and limits on each quote and to quote with every company you can. Doing this helps ensure an apples-to-apples comparison and a complete rate analysis.

Auto Insurance Rates for Popular Vehicles in Oklahoma City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,446 $723 $121
Chevrolet Silverado LTZ Extended Cab 4WD $1,446 $723 $121
Dodge Ram Quad Cab ST 4WD $1,432 $716 $119
Ford Escape Limited 4WD $1,238 $619 $103
Ford F-150 Lariat Super Cab 2WD $1,358 $679 $113
Ford Focus S 4-Dr Sedan $1,288 $644 $107
Honda Accord EX 4-Dr Sedan $1,118 $559 $93
Honda CR-V EX-L 2WD $1,152 $576 $96
Honda Civic LX 2-Dr Coupe $1,608 $804 $134
Jeep Grand Cherokee SRT-8 4WD $1,446 $723 $121
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,202 $601 $100
Nissan Altima 3.5 SR 2-Dr Coupe $1,606 $803 $134
Toyota Camry LE $1,322 $661 $110
Toyota Corolla LE $1,410 $705 $118
Toyota RAV4 4WD $1,322 $661 $110
Get Rate Quotes for Your Vehicle Go

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in zip code location which can lower or raise premium rates considerably.

How to lower your insurance prices

Multiple criteria are taken into consideration when you get a price on insurance. Most are fairly basic such as your driving history, but other factors are not quite as obvious such as whether you are married or how safe your car is. The best way to find cheaper insurance is to take a look at the rating factors that are used to determine your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can help you get lower premium levels.

Add-on coverages can waste money – There are many extra add-on coverages you can purchase if you aren’t careful. Coverage for things like personal injury protection, accident forgiveness, and additional equipment coverage are probably not needed. These may sound like a good investment when discussing your needs, but if you’ve never needed them in the past remove them from your policy.

Insure car and home with the same company – Most major insurers afford discounts to insureds that have more than one policy such as combining an auto and homeowners policy. Even with this discount applied, you still need to compare other rates to help guarantee you have the best rates.

Teen drivers cost more – Older drivers are more responsible, tend to cause fewer accidents, and are safer drivers. Young drivers have been known to be inattentive when behind the wheel so insurance rates are higher.

Liability insurance is critical – Your insurance policy’s liability coverage is the protection when you are ruled to be at fault for causing damage or personal injury in an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. This coverage is relatively inexpensive compared to comp and collision, so do not skimp.

Drive lots and pay more – Driving more miles annually the more it will cost to insure it. The majority of insurers calculate rates based on their usage. Autos that are left in the garage can get a lower rate than those used for commuting. Make sure your insurance coverage is showing the correct usage, because it can save money.

More stress means more cost – Occupational choices like military personnel, social workers, and accountants generally have the highest rates due to intense work situations and lots of time spent away from family. Other careers such as professors, students and performers receive lower rates.

What is the best car insurance company in Oklahoma?

Selecting a highly-rated insurer can be rather challenging considering how many choices there are in Oklahoma. The information displayed below could help you pick which insurers you want to consider shopping prices with.

Top 10 Oklahoma City Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Top 10 Oklahoma City Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Cheaper car insurance is a realistic goal

We just covered quite a bit of information on how to compare car insurance rates in Oklahoma City. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the biggest savings come from a lesser-known regional company. Smaller companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

As you quote Oklahoma City car insurance, you should never skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced collision coverage to discover at claim time they didn’t have enough coverage. The goal is to buy enough coverage at a price you can afford while not skimping on critical coverages.

Some insurance providers may not provide online quoting and most of the time these small insurance companies sell through independent agencies. Affordable car insurance in Oklahoma City can be found on the web as well as from independent agents in Oklahoma City, so you should be comparing quotes from both so you have a total pricing picture.

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