Bethany, OK Auto Insurance Savings the Insurance Companies Don’t Want You to Know About

Are you confused by the wide range of auto insurance options in Bethany? Lot’s of other consumers are too. Consumers have so many options available that it can quickly become a big hassle to find the best price.

Smart consumers take time to compare prices quite often since rates are variable and change quite frequently. Just because you found the lowest rates last year a different company probably has better rates today. So forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest and easiest way to save on auto insurance.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using this strategy. Shopping for the cheapest auto insurance coverage in Bethany is easy if you know what you’re doing. Although Oklahoma consumers benefit from understanding the methods companies use to determine prices and take advantage of how the system works.

Factors that affect insurance rates

Smart consumers have a good feel for the factors that go into determining auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to lower auto insurance prices.

• Extra coverages can waste money – There are many add-on coverages that you can get tricked into buying when buying auto insurance. Things like vanishing deductibles, accidental death and term life insurance may be wasting your money. These coverages may sound good when talking to your agent, but if they’re wasting money remove them from your policy.
• Rates may be lower depending on your job – Did you know your auto insurance rates can be affected by your occupation? Occupations such as judges, business owners and financial analysts tend to pay higher average rates because of high stress and lots of time spent at work. Conversely, professions such as farmers, engineers and performers have the lowest average rates.
• Your car’s features help determine rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
• Men pay higher rates – Statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. Women and men tend to get into accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations like DUI and reckless driving.
• Allowing your policy to lapse raises rates – Driving without insurance is against the law and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance will get you a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Oklahoma DMV.
• The more you drive the more you pay – Driving more miles every year the more you will pay for auto insurance. The majority of insurers price each vehicle’s coverage based on their usage. Cars left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance coverage properly reflects the proper vehicle usage.
• Keep rates low by being claim-free – If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Companies in Oklahoma award lower rates to policyholders who do not file claims often. Your insurance policy is intended for larger claims.
• A clean driving record saves money – Only having one ticket can boost insurance rates by twenty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.

Bethany Auto Insurance Comparisons

Effectively comparing auto insurance prices can be exhausting if you aren’t aware of the most efficient way. You could spend your day driving to insurance agencies in Bethany, or you could save time and use the internet to get rates in a matter of minutes.

Most major companies participate in an industry program where prospective buyers submit their information once, and each participating company returns a competitive quote based on that data. This saves time by eliminating quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you are unable to specify the insurers you want to price. If you prefer to choose individual companies for rate comparison, we have a listing of companies who write auto insurance in Oklahoma. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverage limits for each price quote. If you have different values for each quote it’s not possible to find the best deal in Bethany. Just a small difference in coverage limits may result in large price differences. And when comparison shopping, comparing more company’s prices gives you a better chance of getting better pricing.

Do drivers who switch really save?

Auto insurance providers like Allstate, GEICO and Progressive continually stream television and radio advertisements. They all have a common claim that you’ll save big after switching to their company. How can each company say the same thing? It’s all in the numbers.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-23.jpg" alt="Bethany car insurance prices” />

Insurance companies can use profiling for the driver that earns them a profit. For instance, a desirable insured could possibly be between 30 and 50, is a homeowner, and has excellent credit. A propective insured who matches those parameters is entitled to the best price and most likely will save a lot of money.

Potential customers who don’t qualify for this ideal profile will be quoted a higher premium and this can result in business not being written. The ads say “customers who switch” not “people who quote” save that kind of money. This is how companies can make those claims. This emphasizes why it’s extremely important to compare as many rates as you can. It’s just too difficult to predict the company that will have the lowest rates.

Policy discounts you shouldn’t miss

Companies don’t necessarily list every available discount very well, so we break down some of the more common and the harder-to-find savings tricks you should be using.

• Save over 55 – Mature drivers may qualify for a discount up to 10%.
• Low Mileage – Keeping the miles down can earn a substantially lower rate.
• Clubs and Organizations – Affiliation with a qualifying organization could trigger savings on auto insurance.
• Federal Employees – Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.

Consumers should know that most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

For a list of insurance companies with discount auto insurance rates in Bethany, click here to view.

Can’t I compare rates from local Bethany agents?

Some people would prefer to sit down with an agent and that is a personal choice. One of the best bonuses of comparing rates online is the fact that you can find the lowest rates but still work with a licensed agent.

Upon completion of this simple form, your insurance data is sent to insurance agents in Bethany who will return price quotes for your coverage. You don’t have to leave your house since price quotes are sent directly to your email. It doesn’t get any easier! You’ll get the best rates and a licensed agent to work with.

Picking a company should depend on more than just a low price. Agents should be asked these questions:

• Can they provide you with a list of referrals?
• Do they specialize in personal lines coverage?
• Do they feel the quoted coverages are adequate?
• If your car is in the repair shop, do you have coverage for a rental car?
• Are they properly licensed to sell insurance in Oklahoma?
• Are they able to influence company decisions when a claim is filed?
• Do the companies they represent have a solid financial rating?

If you wish to view a list of agents in Bethany to contact, view this link.

Once you have received good answers for all questions you ask as well as a affordable price, you have narrowed it down to an insurance company that meets your needs to properly service your auto insurance policy.

Even more information can be found at the Oklahoma Insurance Department website. Oklahoma drivers can learn about specific coverages, report car insurance fraud, and find out which companies have the most complaints.

What is YOUR best insurance company?

We just covered a lot of techniques to shop for auto insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best prices are with an unexpected company.

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There are many occasions where drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at the best price while still protecting your assets.

People switch companies for a variety of reasons including questionable increases in premium, not issuing a premium refund, high prices and policy cancellation. Whatever your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.