New Techniques for Cutting Costs on on Ardmore, OK Car Insurance

Price shopping your Ardmore car insurance can be a challenge for consumers new to comparison shopping online. Drivers have so many companies to choose from that it can be a real hassle to locate the lowest price in Ardmore.

Tips to Get Lower Ardmore Rates

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get lower car insurance prices.

The list below includes a few of the “ingredients” that factor into your rates.

Drive less and save money – The more miles you rack up on your car in a year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your car insurance policy properly reflects how each vehicle is driven, because it can save money.
Don’t sacrifice liability coverage – The liability section of your policy is the protection when you are found liable for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
Car features impact rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
How your age affects price – Mature drivers are more responsible, tend to cause fewer accidents and are safer drivers. Youthful drivers are known to be less responsible in a vehicle therefore car insurance rates are much higher.
Do you have a high stress job? – Occupations such as lawyers, business owners and accountants have higher rates than average in part from high stress and lots of time spent at work. On the flip side, jobs such as farmers, athletes and retirees get better rates.
Marriage brings a discount – Being married actually saves money on car insurance. Having a spouse means you’re more mature and it’s proven that married drivers get in fewer accidents.

Compare Quotes for Ardmore Car Insurance

Cutting your car insurance rates can be quick and easy. All that’s required is to take the time comparing rate quotes online from several insurance companies. This can be accomplished using a couple different methods.

The most efficient way to get quotes for comparison is a comparison rater form click here to open form in new window. This form saves time by eliminating separate forms for each company. One quote request gets you coverage quotes direct from many companies.It’s the quickest way to get rates.
A different way to obtain and compare quotes online requires a trip to each company’s website to request a price quote. For example, let’s say you want comparison quotes from Allstate, Safeco and GEICO. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker. For a handy list of car insurance company links in Ardmore, click here.
The least efficient method of comparing rate quotes is driving around to local Ardmore insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you require the personal advice only provided by licensed Ardmore agents. Drivers can get the lowest quotes online but buy from a local insurance agent and we’ll talk about that later.

Whichever method you choose, be sure to compare apples-to-apples coverages for each comparison quote. If you have different liability limits it’s impossible to make an equal comparison in Ardmore.

Cut your car insurance rates with discounts

Car insurance is not cheap, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but a few must be requested specifically before you get the savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

Bundle and Save – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
Federal Employees – Simply working for the federal government could cut as much as 10% off depending on your company.
Paperless Signup – Some insurance companies will give a small break simply for signing over the internet.
Club Memberships – Affiliation with certain professional organizations could trigger savings on your policy.
Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can actually save on your bill.
Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.

Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.

For a list of insurance companies with discount car insurance rates in Oklahoma, click this link. Ardmore car insurance

Buying car insurance locally

Some people just want to buy from a local agent. Educated insurance agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of price shopping on the web is the fact that you can find the lowest rates and still have an agent to talk to. Supporting local businesses is important especially in Ardmore.

Once you complete this short form, your coverage information gets sent to local insurance agents who will return price quotes for your business. You never need to leave your computer because quoted prices will be sent directly to your email. How’s that for easy!

Listed below is a list of car insurance companies in Ardmore that are able to give comparison quotes.

Jordan-Snodgrass Agency Inc – 619 Grand Ave, Ardmore, OK 73401 – (580) 223-3233
Luke Pollard Insurance – 1405 W Broadway St, Ardmore, OK 73401 – (580) 223-2121
Shelter Insurance – 1118 N Washington St, Ardmore, OK 73401 – (580) 226-7120
State Farm Insurance – 1017 Cottonwood St, Ardmore, OK 73401 – (580) 223-6417

For a complete listing of car insurance agents in Ardmore, please go to this site.

Selecting a company needs to be determined by more than just a cheap price. These questions are important to ask:

If your car is in the repair shop, do you have coverage for a rental car?
What is the agency’s Better Business Bureau rating?
Do they carry Errors and Omissions coverage?
Are claims handled at the agent’s location?
Will your rates increase after a single accident?
Which insurance companies are they affiliated with?

After receiving answers to your satisfaction to any questions you have and an affordable coverage quote, you have narrowed it down to a company that can service your policy.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions can aid in determining whether you may require specific advice.

Should I drop comprehensive coverage on older vehicles?
Do I need to file an SR-22 for a DUI in Oklahoma?
I have good health insurance, so how much medical payments coverage do I need?
When would I need rental car insurance?
Can I afford to buy a different vehicle if my vehicle is totaled?
Is rental equipment covered for theft or damage?
What should my uninsured motorist coverage limits be in Oklahoma?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Additional information can be read on the Oklahoma Insurance Department website. Click here for link. Visitors are able to read consumer alerts, read state legal mandates and laws, find out industry alerts, and get help finding coverage.

Final considerations

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. There have been many cases where consumers will sacrifice full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at the best price while still protecting your assets.

We covered a lot of information how to save on car insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest premiums are with a lesser-known regional company.

Cheap car insurance is definitely available online as well as from independent agents in Ardmore, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and these small, regional companies work with independent agents.