10 Ways You Can Buy Auto Insurance for Less in Muskogee, OK

Are you overwhelmed by the wide range of auto insurance choices in Muskogee? You have a lot of company. You have so many options available that it can be a lot of work to locate the lowest price.

It’s a good idea to compare rates before your policy renews since rates go up and down regularly. Despite the fact that you may have had the best price last year there may be better deals available now. So forget anything you know (or think you know) about auto insurance because you’re about to learn how to use the internet to properly buy coverages and cut your premium.

How to Get Muskogee Auto Insurance Comparison Quotes

Most major insurance companies give coverage price quotes on the web. This process is quite easy as you just enter your coverage information as detailed in the form. Once entered, their system collects credit information and your driving record and generates pricing information.

Quoting online makes comparing rates easy, but the work required to visit a lot of sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to do this if you want to find lower prices.

Isn’t there an easier way to compare rates?

A more efficient way to compare auto insurance pricing uses one form that analyzes rates from multiple companies. This type of form saves time, reduces the work, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can choose any one of the pricing results.

If you find a better price you simply finish the application and buy the policy. This process takes 15 minutes at the most and may result in a nice savings.

To find out what other companies charge, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you enter the coverages as close as possible to your current policy. This helps ensure you are getting a fair comparison for similar coverage.

Discounts can save BIG

Properly insuring your vehicles can get expensive, but companies offer discounts to cut the cost considerably. Most are applied when you purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit.

• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
• Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
• Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
• Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
• Low Mileage Discounts – Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
• No Claims – Claim-free drivers pay less as compared to accident-prone drivers.
• Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.
• Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
• Memberships – Affiliation with a professional or civic organization could trigger savings on your policy.

It’s important to note that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will help reduce the amount you have to pay.

For a list of insurance companies with discount auto insurance rates in Oklahoma, click here.

Car Insurance through a local agent

Certain consumers just want to sit down with an agent and that is OK! The biggest benefit of comparing insurance prices online is you may find the lowest rates and still have an agent to talk to. Buying from local businesses is especially important in Muskogee.

Once you complete this simple form, the coverage information is sent to insurance agents in Muskogee who will give you bids for your coverage. There is no reason to drive around due to the fact that quote results will go to your email. You can find the lowest rates and a licensed agent to work with.

If you prefer to contact a specific insurance agent in Muskogee, please go to this site.

Picking a company needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:

• Do they regularly work with personal auto policies?
• What insurance company do they write the most business with?
• Which insurance companies are they affiliated with?
• Are there any discounts that you might be missing?
• Is the agent and/or agency licensed to do business in Oklahoma?
• Who are their largest clients?
• Will your rates increase after a single accident?
• Can glass repairs be made at your home?

After receiving positive responses to these questions and an affordable coverage quote, it’s possible that you found an insurer that can service your policy. But remember, once you purchase a policy you can terminate coverage at any point so don’t feel that you are obligated to your new company for any length of time.

When should I use an insurance agent?

When buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if you will benefit from professional help.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Why am I required to buy high-risk coverage?
• Can my teen driver be rated on a liability-only vehicle?
• Are rental cars covered under my policy?
• Should I have combined single limit or split liability limits?
• Should I buy additional glass protection?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

More information is located on the Oklahoma Insurance Department website through this link. Visitors are able to file complaints about an insurance agent or broker, read industry bulletins, read consumer alerts, and file complaints about a company.

Other useful links include this link for Oklahoma coverage information and this link which helps you find a Muskogee agent.

Auto insurance coverage specifics

Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision protection

This covers damage to your vehicle resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, hitting a mailbox, colliding with a tree and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive auto insurance

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, damage from a tornado or hurricane, falling objects and theft. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance protects you from damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like court costs, repair costs for stationary objects, medical expenses, legal defense fees and emergency aid. How much coverage you buy is a personal decision, but you should buy as much as you can afford. Oklahoma requires drivers to carry at least 25,000/50,000/25,000 but you should think about purchasing higher limits.

Coverage for medical expenses

Med pay and PIP coverage pay for bills like surgery, ambulance fees, prosthetic devices, chiropractic care and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many Oklahoma drivers carry very low liability coverage limits (25/50/25 in Oklahoma), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

And the best car insurance company is…

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice physical damage coverage and discovered at claim time that it was a big error on their part. Your strategy should be to buy the best coverage you can find at the best price.

Drivers leave their current company for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, policy non-renewal and even being labeled a high risk driver. Whatever your reason, switching companies can be less work than you think.

Affordable auto insurance can be bought from both online companies as well as from independent agents in Muskogee, and you should be comparing both so you have a total pricing picture. Some companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.