Would you like to buy more competitive insurance rates in Oklahoma City, OK? Oklahoma City consumers have lots of choices when looking for low-cost Scion iQ insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to find the lowest rates. There is a right way and a wrong way to buy insurance so you’re going to learn the best way to get price quotes for your Scion and locate the best price possible.
Consumers need to quote other rates periodically since insurance rates are usually higher with each renewal. Even if you got the lowest rate on Scion iQ insurance in Oklahoma City six months ago you will most likely find a better price today. There is a lot of bad information regarding iQ insurance out there, but in just a couple of minutes you can learn some guaranteed methods to find cheap insurance in Oklahoma City.
Companies offering Scion iQ insurance in Oklahoma
The providers in the list below are ready to provide price quotes in Oklahoma City, OK. If the list has multiple companies, we recommend you click on several of them to get a more complete price comparison.
Get More Affordable Insurance Costs by Understanding These Factors
The best way to find cheaper car insurance is to take a look at the rating factors that come into play when calculating the level of your policy premiums. When you understand what determines premiums, this allows you to make educated decisions that will entitle you to big savings. Many different elements are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving record, although some other factors are less obvious like where you live or your vehicle rating.
The list below includes some of the most common factors companies use to determine prices.
- Having a spouse is a good thing – Being married can get you a discount when buying car insurance. It means you’re more stable financially it has been statistically shown that married drivers tend to have fewer serious accidents.
- Your job can affect rates – Did you know your job can affect your rates? Jobs such as doctors, social workers, and accountants usually pay higher rates than average because of stressful work requirements and incredibly demanding work hours. Conversely, jobs like professors, engineers and retirees pay the least.
- Females tend to cost less – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better at driving than males. Females and males are responsible for auto accidents at a similar rate, but the men cause more damage. Men also statistically receive more major tickets like reckless driving and DUI.
- Where you live plays a part – Being located in areas with lower population can save you money when it comes to car insurance. City drivers regularly have more auto accidents and much longer commute distances. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
- Insurance companies don’t like frequent policy claims – Auto insurance companies in Oklahoma award most affordable rates to policyholders who are claim-free. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Insurance coverage is designed for major claims that would cause financial hardship.
- Rate your vehicle for proper use – The higher the miles on your Scion in a year’s time the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that are left in the garage receive better premium rates than those that get driven frequently. An incorrectly rated iQ may be wasting your money. Make sure your declarations sheet is showing the correct driver usage.
- Insurance prices and vehicle performance – The type of car you drive makes a substantial difference in determining your rates. The best insurance prices will generally be found on small economy passenger vehicles, but your final cost has many other factors.
- Policy add-ons may not be needed – There are quite a few extra add-on coverages you can purchase but may not be useful. Insurance for things like rental car reimbursement, better glass coverage, and Farm Bureau memberships are probably not needed. They may sound like good ideas when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
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Scion iQ insurance claim data – Auto insurance companies take into consideration insurance loss statistics for every vehicle to calculate a rate that offsets possible losses. Models that historically have a trend towards higher claims will have higher premium rates. The information below illustrates the historical insurance loss data for Scion iQ vehicles.
For each policy coverage type, the statistical loss for all vehicles averaged together is considered to be 100. Percentage numbers below 100 suggest a better than average loss history, while values that are above 100 point to more claims or tendency to have larger claims.
Insurance Loss Ratings for Scion iQ Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Scion iQ 77 81 75 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Check for these rate reducing discounts
Companies do not advertise every discount very clearly, so the next list breaks down both the well known and also the lesser-known ways to save on car insurance.
- Onboard Data Collection – Drivers who elect to allow their company to study vehicle usage remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they show good driving skills.
- Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy life insurance from them.
- Sign Early and Save – Some companies reward drivers for signing up prior to the expiration date on your current iQ insurance policy. You could save around 10% when you buy Oklahoma City auto insurance online.
- No Claim Discounts – Good drivers with no accidents pay much less when compared to bad drivers.
- Use Seat Belts – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Clubs and Organizations – Joining certain professional organizations could trigger savings on car insurance.
- First Accident Forgiveness – This one isn’t a discount, but a few companies such as State Farm and GEICO will forgive one accident without getting socked with a rate hike if your claims history is clear before the accident.
- Distant Student Discount – Older children who live away from home to go to college and leave their car at home could get you a discount.
Just know that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, companies wouldn’t make money that way. Any qualifying discounts should help reduce the amount you pay for coverage.
A list of car insurance companies and a summarized list of policyholder discounts include:
- Progressive policyholders can earn discounts including continuous coverage, good student, homeowner, online signing, online quote discount, multi-vehicle, and multi-policy.
- MetLife may include discounts for accident-free, defensive driver, good student, claim-free, multi-policy, good driver
- Mercury Insurance may offer discounts for type of vehicle, good student, annual mileage, accident-free, and location of vehicle.
- Nationwide offers discounts for good student, accident-free, Farm Bureau membership, business or organization, multi-policy, and defensive driving.
- GEICO includes discounts for good student, five-year accident-free, anti-theft, air bags, and membership and employees.
- AAA offers premium reductions for good driver, multi-car, anti-theft, pay-in-full, AAA membership discount, good student, and multi-policy.
Double check with every company which discounts you may be entitled to. Savings might not be offered in your area.
Local neighborhood insurance agents
Many people would rather sit down with an agent and that is a personal choice. Licensed agents can point out coverage gaps and help submit paperwork. A nice benefit of getting free rate quotes online is that drivers can save money and get cheaper car insurance rates and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, your insurance data is emailed to local insurance agents in Oklahoma City that give free quotes for your insurance coverage. You won’t need to search for any insurance agencies due to the fact that quote results will go directly to you. If you have a need to get a price quote from a particular provider, just visit that company’s website and give them your coverage information.
Choosing an provider should depend on more than just a cheap price quote. Here are some questions you should ask.
- Can they help ensure a fair claim settlement?
- Do they offer claims assistance after hours?
- How much will you save each year by using a higher deductible?
- Does the agency have a current Errors and Omissions policy?
- Is the agency involved in supporting local community causes?
- Can glass claims be handled at your home?
- Are they primarily personal or commercial lines agents in Oklahoma City?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
If you want an insurance agent, there are two different agency structures and how they function. Oklahoma City agents can be categorized as either exclusive or independent (non-exclusive). Both types can write insurance policies, but it is important to understand how they differ since it could factor into buying decisions.
Exclusive Insurance Agents
Agents in the exclusive channel can usually just insure with one company such as State Farm, Allstate, or Farmers Insurance. These agents are not able to give you multiple price quotes so it’s a take it or leave it situation. Exclusive agents are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates. Consumers frequently buy insurance from these agents mostly because of loyalty to the company and strong financial ratings.
Listed below are exclusive agents in Oklahoma City that can give you comparison quotes.
- Matt Pryor – State Farm Insurance Agent
2229 NW 138th St d – Oklahoma City, OK 73134 – (405) 749-8100 – View Map - Farmers Insurance: Todd Jackson
5909 Northwest Expy #105 – Oklahoma City, OK 73132 – (405) 722-5858 – View Map - Jerry Black – State Farm Insurance Agent
12325 N May Ave #117 – Oklahoma City, OK 73120 – (405) 751-1860 – View Map
Independent Insurance Agencies
Agents that elect to be independent often have many company appointments so they can quote policies with an assortment of companies and find you the best rates. If prices rise, your policy is moved internally which makes it simple for you. If you are comparing rate quotes, you need to contact a few independent agents so that you can do a thorough price comparison. A lot of them also have access to smaller regional carriers that may provide cheaper insurance rates.
Below are Oklahoma City independent insurance agents that are able to give rate quotes.
- Ledbetter Insurance and Risk
1000 NW Grand Blvd #110 – Oklahoma City, OK 73118 – (405) 840-9090 – View Map - Professional Insurors Agency, LLC
7301 Broadway Ext – Oklahoma City, OK 73116 – (405) 843-9191 – View Map - Action Plus Insurance Agency
9005 S May Ave – Oklahoma City, OK 73159 – (405) 631-9009 – View Map
If you get positive feedback for all questions you ask and an affordable coverage quote, chances are good that you have found a car insurance agent that is reliable enough to adequately provide insurance.
How to find a good Oklahoma car insurance company
Picking a highly-rated insurer can be rather challenging considering how many companies there are in Oklahoma. The information shown below can help you pick which auto insurance companies you want to consider purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
When do I need an agent’s advice?
When selecting coverage online or from an agent, there is no one-size-fits-all type of policy. Every insured’s situation is different.
For example, these questions could help you determine whether you could use an agent’s help.
- Do I need PIP (personal injury protection) coverage in Oklahoma?
- What is glass protection for?
- Is my state a no-fault state?
- How does medical payments coverage work?
- How high should deductibles be on a Scion iQ?
- Am I covered if hit by an uninsured driver?
- Do I need to file an SR-22 for a DUI in Oklahoma?
- Is there coverage for my trailer?
- Are rock-chip repairs free?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.
Quote. Compare. Save.
We just covered many ways to get a better price on Scion iQ insurance in Oklahoma City. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may even discover the most savings is with some of the smallest insurance companies.
When trying to cut insurance costs, never reduce coverage to reduce premium. There have been many cases where an insured cut liability limits or collision coverage only to find out that they should have had better coverage. Your focus should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.
Some insurance companies may not provide rate quotes online and usually these regional insurance providers sell through independent insurance agencies. Lower-priced auto insurance in Oklahoma City can be found on the web in addition to many Oklahoma City insurance agents, and you should be comparing both to get a complete price analysis.
How to find affordable Scion iQ insurance in Oklahoma City
The recommended way to get budget car insurance rates in Oklahoma City is to do a yearly price comparison from different companies who sell insurance in Oklahoma. You can shop around by following these steps.
- Try to comprehend policy coverages and the factors you can control to prevent expensive coverage. Many factors that cause rate increases like high-risk driving behaviors and a bad credit rating can be amended by improving your driving habits or financial responsibility.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while independent agents can give you price quotes for many different companies.
- Compare the price quotes to the premium of your current policy to determine if you can save on iQ insurance in Oklahoma City. If you find better rates and decide to switch, make sure there is no coverage gap between policies.
The most important part of shopping around is that you’ll want to compare similar limits and deductibles on each quote request and and to get rate quotes from as many companies as possible. Doing this helps ensure an apples-to-apples comparison and maximum price selection.
Additional information is located on the following sites:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has Cheap Oklahoma City Auto Insurance for Drivers with a DUI? (FAQ)
- What Car Insurance is Cheapest for Single Moms in Oklahoma City? (FAQ)
- Who Has Affordable Oklahoma City Auto Insurance Rates for a Chevrolet Silverado? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 50 in Oklahoma City? (FAQ)
- Tools for Teen Driving Safety (State Farm)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)