Remarkably, a study showed that most auto insurance buyers renewed their policy with the same company for a minimum of four years, and nearly half have never compared quotes from other companies. Oklahoma insurance shoppers could save an average of almost $600 each year by just comparing quotes, but they think it’s difficult to find affordable auto insurance rates.
To save the most money, the best way to find more affordable Volvo S60 insurance in Oklahoma City is to make a habit of regularly comparing prices from insurers who provide auto insurance in Oklahoma. This can be done by completing these steps.
Step 1: Take a little time to learn about how car insurance works and the steps you can take to keep rates in check. Many risk factors that are responsible for high rates like speeding and a low credit score can be eliminated by making small lifestyle or driving habit changes. Read the full article for instructions to get lower rates and find additional discounts you may qualify for.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like GEICO or Farmers Insurance, while independent agents can quote rates from many different companies. View insurance agents
Step 3: Compare the quotes to the premium of your current policy to determine if you can save on S60 insurance in Oklahoma City. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide adequate notice to your current company to cancel your current policy. Submit the completed application along with a down payment for the new policy. Don’t forget to keep your new certificate of insurance in an easily accessible location in your vehicle.
One thing to point out is that you’ll want to make sure you compare the same amount of coverage on every price quote and and to get rates from as many car insurance companies as possible. This provides an accurate price comparison and a complete price analysis.
Cheaper Oklahoma City car insurance quotes with discounts
The price of auto insurance can be rather high, but you may qualify for discounts that may help make it more affordable. Certain reductions will be credited at the time you complete a quote, but some must be asked for prior to getting the savings. If you do not double check each discount available, you could be getting lower rates.
- Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings as much as 30%.
- Sign Online – Some of the larger companies provide a small discount get Oklahoma City car insurance on your computer.
- Senior Discount – If you’re over the age of 55, you are able to get a discount up to 10%.
- Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off depending on your car insurance provider.
- Discount for Swiching Early – Select insurance companies give a discount for switching policies prior to your current S60 insurance policy expiration. You could save around 10% when you buy Oklahoma City car insurance online.
It’s important to note that most of the big mark downs will not be given to the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, companies don’t profit that way.
Auto insurance companies who might offer most of the discounts above are:
When getting free Oklahoma City car insurance quotes, it’s a good idea to all companies you are considering the best way to save money. Savings might not apply in every state.
Finding a better price on auto insurance isn’t really that difficult. All you need to do is invest a little time getting comparison quotes online from several insurance companies.
The companies in the list below can provide price comparisons in Oklahoma. If the list has multiple companies, we suggest you click on several of them to get the most affordable price.
Do I need an insurance agent?
Some consumers still like to sit down with an agent and often times that is recommended Insurance agents can make sure you are properly covered and help you file claims. One of the great benefits of getting free rate quotes online is that you can find lower rates but still work with a licensed agent. And providing support for neighborhood agents is important particularly in Oklahoma City.
To find an agent, once you fill out this form (opens in new window), the quote information is sent to agents in your area who will give you bids for your business. You won’t need to search for an agent because quoted prices will be sent straight to your inbox. If you wish to compare rates from one company in particular, you would need to visit that company’s website and fill out their quote form.
If you’re trying to find a good Oklahoma City insurance agent, it helps to know the two different types of agents to choose from. Oklahoma City agents can be described as either exclusive or independent agents depending on their company appointments. Either can sell insurance policies, but it’s a good idea to understand why they differ since it may influence the kind of agent you use.
Independent Agencies or Brokers
Independent agents are not limited to a single company so as a result can place your coverage with multiple insurance companies and get the cheapest rates. If they quote lower rates, your policy is moved internally which requires no work on your part.
If you are comparing rate quotes, we recommend you compare prices from multiple independent agents to ensure the widest selection of prices. Most have the option of insuring with smaller regional carriers that many times have cheaper rates.
Shown below is a short list of independent insurance agencies in Oklahoma City who may provide comparison quotes.
- Centennial Insurance Group, Inc.
2814 W Britton Rd – Oklahoma City, OK 73120 – (405) 286-4179 – View Map
- Knight’s Insurance Agency
3825 NW 23rd St – Oklahoma City, OK 73107 – (405) 946-0111 – View Map
- Perimeter Insurance
4200 Perimeter Center Dr – Oklahoma City, OK 73112 – (405) 778-8880 – View Map
Agents that elect to be exclusive can only provide one company’s prices and examples are State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on their company’s products which helps them compete with independent agents. Consumers often buy from exclusive agents primarily because of the prominence of the brand instead of buying on price only.
The following is a short list of exclusive insurance agents in Oklahoma City willing to provide price quotes.
- Tony Brummitt – State Farm Insurance Agent
9509 N Council Rd – Oklahoma City, OK 73162 – (405) 721-1423 – View Map
- Jerry Black – State Farm Insurance Agent
12325 N May Ave #117 – Oklahoma City, OK 73120 – (405) 751-1860 – View Map
- State Farm: Vicky Richey Insurance Agency Inc
8601 S Walker Ave – Oklahoma City, OK 73139 – (405) 635-0677 – View Map
Picking a car insurance agent requires more thought than just the quoted price. Below are some questions you should ask.
- Does the agent recommend any additional coverage?
- Do they offer claims assistance after hours?
- Can glass claims be handled at your home?
- Do they receive special compensation for putting your coverage with one company over another?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Ratings for Oklahoma City auto insurance companies
Insuring your vehicle with the top insurance company can be rather challenging considering how many companies provide coverage in Oklahoma. The ranking data below could help you pick which auto insurers you want to consider when shopping around.
Top 10 Oklahoma City Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Cheaper car insurance is a realistic goal
We covered many ideas to lower your Volvo S60 insurance auto insurance rates in Oklahoma City. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding affordable Volvo S60 insurance quotes. Consumers may even find the lowest auto insurance rates are with a small mutual company.
Drivers leave their current company for many reasons like high prices, denial of a claim, not issuing a premium refund or unfair underwriting practices. It doesn’t matter what your reason, finding the right car insurance provider is not as difficult as it may seem.
As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at a price you can afford and still be able to protect your assets.
To learn more, feel free to browse the resources below:
- Winter Driving (Insurance Information Institute)
- Who Has Cheap Car Insurance for High Mileage Drivers in Oklahoma City? (FAQ)
- Who Has Cheap Oklahoma City Car Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
- What Insurance is Cheapest for College Students in Oklahoma City? (FAQ)
- How Much are Car Insurance Rates for Nurses in Oklahoma City? (FAQ)
- What Insurance is Cheapest for Police Officers in Oklahoma City? (FAQ)
- What Auto Insurance is Cheapest for State Employees in Oklahoma City? (FAQ)
- What Auto Insurance is Cheapest for a Nissan Rogue in Oklahoma City? (FAQ)
- Who Has Cheap Auto Insurance Quotes for 19 Year Olds in Oklahoma City? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- State Laws for Cellphones and Texting (iihs.org)