It’s a known fact that auto insurance companies don’t want you comparing rates. Consumers who shop for lower prices will most likely switch companies because there is a significant possibility of finding coverage at a cheaper rate. A recent survey found that people who compared rate quotes regularly saved approximately $70 a month compared to people who didn’t regularly shop around.
If finding low prices for car insurance in Oklahoma City is your ultimate goal, understanding how to get rate quotes and compare auto insurance can help make the process easier and more efficient.
The recommended way to get cheaper Saturn Outlook insurance is to start doing a yearly price comparison from insurers in Oklahoma City. You can shop around by following these guidelines.
Step 1: Try to learn a little about how auto insurance works and the steps you can take to prevent expensive coverage. Many policy risk factors that are responsible for high rates like at-fault accidents and an unacceptable credit history can be controlled by making minor changes to your lifestyle.
Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can quote prices for many different companies.
Step 3: Compare the new quotes to your current policy premium to see if switching to a new carrier will save money. If you find a better price and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide written notification to your current company to cancel your current auto insurance policy. Submit payment and a signed application for your new policy. As soon as you can, store the certificate verifying coverage in your vehicle.
A tip to remember is that you’ll want to compare the same amount of coverage on each quote request and and to compare as many different companies as possible. Doing this helps ensure an accurate price comparison and plenty of rates choose from.
If you’re already insured or just want to save money, you can use these techniques to reduce premiums without having to cut coverage. Getting quotes for the lowest-priced car insurance policy in Oklahoma City is not as confusing as people think. You just have to understand the tricks to compare different rates on the web.
The quickest way to compare car insurance company rates for Saturn Outlook insurance in Oklahoma City takes advantage of the fact car insurance companies actually pay money for the chance to give you rate quotes. All you need to do is provide a small amount of information including if the vehicle is leased, types of safety features, your credit rating estimate, and deductibles desired. Those rating factors is then submitted to multiple top-rated companies and you receive quotes within a short period of time.
If you would like to start a quote now, click here and see if a lower rate is available in Oklahoma City.
The companies shown below can provide comparison quotes in Oklahoma. If multiple providers are shown, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
Statistics and details
The price information shown below highlights detailed analysis of insurance costs for Saturn Outlook models. Having a better understanding of how insurance prices are established can help drivers make decisions when shopping around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outlook XE 2WD||$188||$312||$430||$26||$128||$1,084||$90|
|Outlook XV 2WD||$188||$312||$430||$26||$128||$1,084||$90|
|Outlook XE Premium 2WD||$210||$368||$430||$26||$128||$1,162||$97|
|Outlook XE AWD||$210||$368||$430||$26||$128||$1,162||$97|
|Outlook XE Premium AWD||$210||$368||$430||$26||$128||$1,162||$97|
|Outlook XR-L 2WD||$210||$368||$430||$26||$128||$1,162||$97|
|Outlook XR-L AWD||$210||$368||$430||$26||$128||$1,162||$97|
|Outlook XR-L Premium 2WD||$210||$368||$430||$26||$128||$1,162||$97|
|Outlook XR-L Premium AWD||$210||$368||$430||$26||$128||$1,162||$97|
|Get Your Own Custom Quote Go|
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in specific location which can change rates noticeably.
Impact of violations and accidents on rates
The example below illustrates how traffic citations and at-fault collisions increase Saturn Outlook insurance costs for each different age category. The costs are based on a single male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
Yearly insurance costs for men versus women
The illustration below illustrates the comparison of Saturn Outlook insurance premiums for male and female drivers. The premiums assume no accidents or driving violations, full coverage, $100 deductibles, single status, and no discounts are applied.
Find Lower-cost Auto Insurance with These Tips
Many factors are used when you get a price on insurance. Some are pretty understandable like your driving record, but other factors are less obvious such as whether you are married or your financial responsibility. Part of the auto insurance buying process is learning the rating factors that come into play when calculating the level of your policy premiums. If you know what determines premiums, this enables informed choices that could help you find big savings.
Safer vehicles are cheaper to insure – Vehicles with high crash test scores are cheaper to insure. Safer cars protect occupants better and fewer serious injuries translates directly to fewer claims and lower rates for you.
Vehicle features that lower prices – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft.
When should you file auto insurance claims? – If you are a frequent claim filer, you can expect much higher rates or policy non-renewal. Companies in Oklahoma generally give lower rates to drivers that do not abuse their auto insurance. Your car insurance is intended for larger claims.
High physical damage deductibles save money – Your deductibles tell how much you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered are rear-ending another vehicle, fire damage, and damage caused by road hazards. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be.
Decrease prices by maintaining coverage – Driving without insurance is against the law and you may have a hard time finding new coverage because you let your insurance coverage expire. In addition to paying higher rates, not being able to provide proof of insurance could result in fines or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with the Oklahoma motor vehicle department.
Insurance does more than just protect your car
Even though it’s not necessarily cheap to insure a Saturn in Oklahoma City, maintaining insurance serves an important purpose.
First, just about all states have mandatory liability insurance requirements which means state laws require a minimum amount of liability insurance if you want to drive legally. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your car has a loan, most lenders will require you to buy insurance to protect their interest in the vehicle. If you do not keep the policy in force, the bank will be required to insure your Saturn for a much higher rate and force you to pay much more than you were paying before.
Third, insurance protects not only your Saturn Outlook but also your assets. It will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance more than offset the price you pay, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying more than $825 a year so shop around each time the policy renews to ensure rates are inline.
Oklahoma City car insurance company ratings
Finding a highly-rated auto insurance provider is hard considering how many different companies insure vehicles in Oklahoma City. The company information displayed below may help you choose which auto insurers you want to consider when comparing rate quotes.
Top 10 Oklahoma City Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Oklahoma City Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+