Things You Must Know Before Shopping for Bixby, OK Auto Insurance Online

Cutting costs on Bixby auto insurance is hard for consumers not familiar with shopping for insurance online. Consumers have so many options available that it can quickly become a real hassle to find lower rates in Bixby.

You should make it a habit to price shop coverage every six months because insurance rates are adjusted regularly by insurance companies. Even if you think you had the best rates six months ago you may be paying too much now. You can find a lot of wrong information about auto insurance on the web, but I’m going to show you the best ways to find cheap auto insurance.

Auto Insurance Prices in Bixby

There are several ways you can shop for auto insurance but some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance companies in Bixby, or you could save time and use the internet for quick rates.

The majority of car insurance companies take part in a program where prospective buyers enter their policy data once, and at least one company can give them a price for coverage. This system prevents you from having to do quotation requests for every auto insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The only drawback to comparing rates this way is you are unable to specify the insurers to get pricing from. If you prefer to choose specific insurance companies to compare rates, we have a page of low cost auto insurance companies in Oklahoma. Click here to view list.

It doesn’t matter which method you choose, just ensure you’re using identical coverage limits with every price quote. If you use different limits and deductibles on each one it’s impossible to decipher which rate is best in Bixby.

Are you getting all your discounts?

Car insurance companies do not advertise all available discounts very clearly, so we researched some of the more common and the more hidden discounts you could be receiving. If you’re not getting every credit possible, you are paying more than you should be. Bixby Oklahoma insurance prices

Military Discounts – Being deployed with a military unit could mean lower rates.
Accident Waiver – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a certain period of time.
Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last well after school through age 25.
Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Drive Safe and Save – Safe drivers may save up to 50% more than drivers with accidents.

Consumers should know that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you could get a free auto insurance policy, you’re out of luck.

To see a list of providers with the best auto insurance discounts in Bixby, click here.

Many Things Influence your Rates

It’s important that you understand the factors that come into play when calculating the rates you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in much lower annual insurance costs.

The list below includes some of the factors used by your company to calculate premiums.

Do you know you’re credit rating? – Credit rating is a important factor in determining your rates. People with high credit scores tend to be more responsible as compared to drivers with lower credit ratings. Therefore, if your credit rating can use some improvement, you could potentially save money when insuring your by improving your credit score.
Frequent auto insurance claims increase rates – Auto insurance companies in Oklahoma generally give better rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is designed for the large, substantial claims.
Being married can save on auto insurance – Getting married can get you a discount on your policy. Having a spouse usually means you are more mature and responsible it has been statistically shown that married couples file fewer claims.
Liability coverage is cheap – Your policy’s liability coverage is the protection if ever you are found liable for damages from an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
How’s your driving record? – Drivers who don’t get tickets receive lower rates than bad drivers. Even a single moving violation can bump up the cost by as much as thirty percent. Drivers with serious tickets such as DUI or reckless driving are required to file a SR-22 to the state department of motor vehicles in order to continue driving.
Adjust deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are a windshield shattered by a rock, damage from fire, or theft. The deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you are required to pay out-of-pocket, the bigger discount you will receive.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

Are rental cars covered under my policy?
Am I covered when delivering products for my home-based business?
Will my rates increase for filing one claim?
Do I need motorclub coverage?
If my vehicle is totaled, can I afford another vehicle?
Does my insurance cover a custom paint job?
When would I need rental car insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Even more information is located at the Oklahoma Insurance Department website. Oklahoma consumers can read consumer alerts, find out industry alerts, and learn about insurance regulations.

Also read more on III.org’s auto insurance page and CarInsuranceDIY.com.

Buy online or local, you save

Discount auto insurance is attainable on the web and with local Bixby insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

You just learned a lot of ways to shop for auto insurance online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies.

Insureds who switch companies do it for any number of reasons including extreme rates for teen drivers, denial of a claim, high rates after DUI convictions and even questionable increases in premium. No matter why you want to switch, finding a new company can be easier than you think.