Tightwads Guide to Saving on Ponca City Auto Insurance

Perplexed by the sheer number of auto insurance options in Ponca City? You’re not alone. You have so many options available that it can be a lot of work to find better rates.

If you have a policy now or are shopping for new coverage, you can use these tips to cut your premiums while maximizing coverage. Pricing affordable coverage in Ponca City can be fairly easy. Oklahoma drivers just need to know the most efficient way to compare rates over the internet.

How to Compare Ponca City Auto Insurance Rates

Comparing auto insurance rates can be a lot of work if you don’t utilize the best way to get rate quotes. You can spend countless hours talking to local insurance agents in Ponca City, or you can stay home and use online quotes to get rates in a matter of minutes.

Most of the best insurance companies are enrolled in a marketplace where insurance shoppers submit one quote, and at least one company returns a rated price based on that data. This system prevents you from having to do repetitive form submissions for each company. To find out how much you can save on auto insurance click here to start a free quote.

The one disadvantage to doing it this way is you cannot specify which insurance companies to get quotes from. If you wish to select specific insurance companies to request quotes from, we have assembled a list of auto insurance companies in Oklahoma. Click here for list of insurance companies in Oklahoma.

However you get your quotes, ensure you are comparing apples-to-apples deductibles and coverage limits with every price quote. If your comparisons have differing limits it will be very difficult to determine the best price in Ponca City.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm and Allstate. All the companies make the same claim that you can save if you switch your policy.

But how can every company make the same claim? This is how they do it.

All the different companies have a preferred profile for the driver that is profitable for them. A good example of a driver they prefer could be a mature driver, is a homeowner, and chooses high deductibles. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Drivers who are not a match for the requirements will have to pay higher premiums which leads to the customer not buying. The ads say “customers who switch” not “people who quote” save that much money. That’s the way companies can state the savings.

Because of the profiling, you should compare as many rates as you can. It’s not possible to predict which auto insurance company will have the lowest rates.

Cut your auto insurance rates with discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. Some trigger automatically when you quote, but lesser-known reductions have to be inquired about prior to getting the savings. If you’re not getting every credit available, you’re just leaving money on the table.

• Military Rewards – Having a family member in the military can result in better rates.
• Good Student – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
• Safety Course Discount – Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
• Distant Student – Youth drivers who live away from home without a vehicle on campus can be insured at a reduced rate.
• Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.

It’s important to note that some credits don’t apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will help reduce the amount you have to pay.

Additional information is available on the Oklahoma Insurance Department website. Click here for link. Visitors are able to find disaster information, report car insurance fraud, and find out which companies have the most complaints.

Buy online or local, you save

Cheaper auto insurance can be sourced from both online companies in addition to many Ponca City insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

People switch companies for any number of reasons including poor customer service, denial of a claim, extreme rates for teen drivers and high prices. No matter why you want to switch, finding a new auto insurance company can be less work than you think.

In this article, we covered some good ideas how you can reduce auto insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.