9 Ways You Can Buy Auto Insurance for Less in Duncan Oklahoma

Have you had enough of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as the majority of other car owners in Oklahoma.

Having so many options when it comes to auto insurance, it can be diffult for consumers to find the right company.

Automobile Insurance Quotes in Duncan, Oklahoma

There are several ways of comparing rates and find the best price. One of the best ways to find the cheapest insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

One of the simplest ways to get the best comparison quotes is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating separate quote forms for every auto insurance company. Taking the time to complete one form gets you price quotes from multiple companies.

Another way to find lower rates requires a visit to the website for every company you want to comare and request a quote. For examples sake, we’ll assume you want comparison quotes from Allstate, Farmers and GMAC. You would have to go to every website and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in Duncan, click here.

The least efficient method to compare rates is driving around to local Duncan insurance agencies. The internet makes this process obsolete unless you require the professional advice of a licensed agent. You can, however, obtain prices from the web but buy from a local insurance agent and we’ll talk about that later.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same deductibles and coverage limits for each price quote. If you compare different limits and deductibles on each one you will not be able to determine the best price in Duncan. Quoting even small variations in coverages may result in a large different in cost. And when comparison shopping, comparing more company’s prices will increase your chances of finding better pricing.

Don’t overlook these nine discounts

Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply at the time of quoting, but a few need to be specifically requested before you will receive the discount.

• Clubs and Organizations – Affiliation with a qualifying organization could qualify you for a break when shopping for auto insurance.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
• Own a Home – Owning a home in Duncan can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
• Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.
• Defensive Driver – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
• Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
• Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
• Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of companies with discount auto insurance rates in Duncan, click this link.

Online quotes with a local Duncan insurance agent

Some people would rather sit down with an agent and there is nothing wrong with that. One of the great benefits of comparing rates online is the fact that you can find better rates but also keep your business local. And supporting local agencies is important particularly in Duncan.

To find an agent, once you fill out this form (opens in new window), your coverage information is immediately sent to companies in Duncan who will battle for your coverage. You don’t have to leave your computer due to the fact that quote results will go to the email address you provide. It’s the lowest rates and work with a local agent.

If you want to view licensed agents in Duncan, click here to link.

Choosing a company shouldn’t rely on just the bottom line cost. These questions are important to ask:

• What insurance companies do they work with?
• Did they already check your driving record and credit reports?
• Do they receive special compensation for putting your coverage with one company over another?
• Can they provide you with a list of referrals?
• Will your rates increase after a single accident?
• What are the financial ratings for the companies they represent?

Once you have received satisfactory answers and a good coverage price, most likely you have located an insurer that is a good match to adequately provide auto insurance. But remember, you can always terminate your policy for any reason so don’t feel you are locked into a specific agent for any length of time.

Car insurance coverage information

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your vehicle.

Due to the fact that many Oklahoma drivers have only the minimum liability required by law (25/50/25 in Oklahoma), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, a broken windshield, damage from a tornado or hurricane, damage from getting keyed and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This will pay to fix damage to your vehicle from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Liability insurance

This coverage will cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as funeral expenses, emergency aid, structural damage and loss of income. How much coverage you buy is up to you, but buy as large an amount as possible. Oklahoma requires minimum liability limits of 25,000/50,000/25,000 but you should consider buying higher limits.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like hospital visits, ambulance fees, nursing services and funeral costs. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Quote more, save more

Cost effective auto insurance is attainable on the web as well as from independent agents in Duncan, and you need to price shop both to have the best rate selection. A few companies don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Throughout this article, we presented many ways to shop for auto insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the lowest premiums are with a small mutual company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

More consumer information in Oklahoma

Much more information about auto insurance in Oklahoma can be found on the website for the Oklahoma Insurance Department. Click here for link. Consumers can find disaster information, view a list of available companies, read consumer alerts, and read enforcement actions against agents and companies.