If you want to find the absolute lowest rates, then the best way to find discount auto insurance rates is to annually compare prices from insurance carriers who provide auto insurance in Oklahoma City.
Step 1: Take a few minutes and learn about how insurance works and the measures you can control to prevent expensive coverage. Many things that are responsible for high rates like careless driving and poor credit history can be amended by being financially responsible and driving safely.
Step 2: Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive and State Farm, while independent agencies can provide prices from many different companies. View prices
Step 3: Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you find a better price and change companies, make sure there is no lapse in coverage.
The most important part of shopping around is to use identical coverage information on every quote and and to compare every insurance company. Doing this provides the most accurate price comparison and the best price selection.
It’s safe to assume that insurance companies don’t want you to look for cheaper rates. Consumers who shop around are highly likely to buy a new policy because there is a good chance of finding a lower rate. A recent survey revealed that drivers who routinely shopped for cheaper coverage saved an average of $3,450 over four years compared to policyholders who never shopped around for lower prices.
If saving the most money on auto insurance in Oklahoma City is the reason for your visit, understanding the best way to shop and compare insurance premiums can help you be more efficient.
When price shopping your coverage, having more price comparisons helps increase your odds of locating a lower rate than you’re paying now.
The car insurance companies shown below can provide comparison quotes in Oklahoma City, OK. If the list has multiple companies, we recommend you click on several of them in order to find the most affordable rates.
Get cheaper Cadillac Seville insurance in Oklahoma City with discounts
Auto insurance companies do not list every available discount in an easy-to-find place, so the list below details some of the more common and also the lesser-known discounts that may be available.
- Senior Citizens – Seniors can possibly qualify for a discount up to 10%.
- Early Renewal Discounts – A few companies give discounts for renewing your policy prior to your current Seville insurance policy expiration. You may see this discount when you get Oklahoma City auto insurance quotes online.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
- First Accident Forgiveness – This one is not really a discount per se, but companies like State Farm, Progressive and GEICO will allow you to have one accident without the usual rate increase so long as you haven’t had any claims before the accident.
- Pay Upfront and Save – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
- Resident Student – Older children who attend college more than 100 miles from Oklahoma City and leave their car at home could qualify for this discount.
Drivers should understand that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
For a list of providers with discount rates in Oklahoma City, follow this link.
Do I need an agent?
Certain consumers still like to go talk to an agent and that is a personal choice. A good thing about comparing rate quotes online is the fact that drivers can get cheaper car insurance rates and still choose a local agent.
Upon completion of this form (opens in new window), your insurance data is sent to insurance agents in Oklahoma City who will give competitive quotes for your business. You don’t have to contact any insurance agencies since price quotes are sent immediately to your email address. You’ll get the best rates AND a local agent. If for some reason you want to compare rates from a particular provider, don’t hesitate to search and find their rate quote page and complete a quote there.
Deciding on an insurer should include more criteria than just the bottom line cost. These are some valid questions you should ask.
- How is replacement cost determined on your vehicle?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they offer accident forgiveness?
- Will the quote change when the policy is issued?
- Does the agent help file claims?
- Are they able to provide referrals?
When looking for a good Oklahoma City insurance agent, there are two different types of agents that you can select. Insurance policy providers can be described as either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Agents in the exclusive channel normally can only provide a single company’s rates such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot compare other company’s rates so it’s a take it or leave it situation. Exclusive insurance agents are well trained in insurance sales and that enables them to sell even at higher rates.
Listed below are exclusive insurance agencies in Oklahoma City that can give you rate quotes.
Independent agents are appointed with more than one company and that enables them to quote your coverage with any number of different companies and possibly get better coverage at lower prices. If premiums increase, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, we recommend you include rate quotes from several independent agencies to have the most options to choose from.
Shown below is a short list of independent insurance agents in Oklahoma City that can give you comparison quotes.
How to know if you need help
When selecting coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that
These are some specific questions might point out if your insurance needs would benefit from professional advice.
- Am I better off with higher deductibles on my Cadillac Seville?
- What is roadside assistance coverage?
- What are the financial responsibility laws in my state?
- Does my policy cover me when driving someone else’s vehicle?
- Will I lose any money if I cancel my policy before it expires?
- How high should my uninsured/underinsured coverage be in Oklahoma?
- Do I have coverage when making deliveries for my home business?
- Should I buy full coverage?
If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.
Understanding the coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.
Liability auto insurance – This coverage protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things like repair bills for other people’s vehicles, funeral expenses and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Oklahoma requires drivers to carry at least 25/50/25 but you should consider buying better liability coverage.
The chart below demonstrates why buying minimum limits may not be adequate coverage.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Cadillac Seville.
Since many Oklahoma drivers carry very low liability coverage limits (25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as hitting a bird, hitting a deer, rock chips in glass and fire damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like EMT expenses, nursing services and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
Collision coverage – This coverage pays for damage to your Seville from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like hitting a parking meter, rolling your car, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible on your Seville to save money on collision insurance.
The best insurance company isn’t always the cheapest
We just covered a lot of ways to shop for Cadillac Seville insurance online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest prices come from a small mutual company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.
When you buy Oklahoma City auto insurance online, do not skimp on coverage in order to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Even more information can be read in these articles:
- A Tree Fell on Your Car: Now What? (Allstate)
- Who Has the Cheapest Auto Insurance Rates for a Chevrolet Equinox in Oklahoma City? (FAQ)
- How Much are Car Insurance Rates for Nurses in Oklahoma City? (FAQ)
- Who Has Cheap Oklahoma City Auto Insurance Quotes for a Toyota Tundra? (FAQ)
- How Much are Car Insurance Rates for a Toyota Corolla in Oklahoma City? (FAQ)
- How Much are Oklahoma City Car Insurance Quotes for a Toyota RAV4? (FAQ)
- Who Has the Cheapest Auto Insurance for a Dodge Grand Caravan in Oklahoma City? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Child Safety FAQ (iihs.org)
- Safety Belts FAQ (iihs.org)