Consumer Tested Strategies to Save on Apache Auto Insurance

I can't think of anyone who cherishes buying auto insurance, in particular when the price is too high.

Multiple compete for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest price

If you currently have car insurance, you should be able to save some money using these methods. Buying car insurance in Apache is quite easy. Nevertheless, Oklahoma drivers do need to know how insurance companies market on the web and take advantage of how the system works.

What determines how much you pay?

Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for auto insurance. Understanding what determines base rates allows you to make educated decisions that could result in better auto insurance rates.

  • Do you need those extra coverages? - There are a lot of additional coverages that you can get tricked into buying on your auto insurance policy. Coverages like roadside assistance, accidental death and motor club memberships may be wasting your money. They may seem good when talking to your agent, but if you don't need them get rid of them and save.
  • Consolidate policies to earn discounts - The majority of auto insurance companies will award you with lower prices to customers who carry more than one policy. It's known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, it's in your best interest to comparison shop to make sure you are getting the best deal.
  • Rates may be higher depending on your occupation - Occupations such as doctors, executives and accountants tend to pay higher rates than average in part from job stress and long work hours. On the flip side, professions such as scientists, athletes and the unemployed have the lowest average rates.
  • Protect yourself with liability coverage - The liability section of your policy is the coverage that protects you if a court rules you are at fault for damages from an accident. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.

auto insurance in Apache

Save big with these discounts

Companies offering auto insurance don't list all available discounts in an easy-to-find place, so here is a list both well-publicized and the harder-to-find ways to save on auto insurance.

  • Defensive Driving Course - Taking a course in driver safety can save you 5% or more if your company offers it.
  • Auto/Home Discount - If you insure your home and vehicles with the same company you may earn 10% to 20% off each policy.
  • Accident Free - Good drivers with no accidents can earn big discounts when compared with accident-prone drivers.
  • Organization Discounts - Participating in certain professional organizations could trigger savings when buying auto insurance.
  • Homeowners Savings - Owning a home in Apache may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Good Student - This discount can save 20 to 25%. The discount lasts up to age 25.
  • Paperless Signup - Some insurance companies will discount your bill up to fifty bucks simply for signing on their website.

It's important to understand that many deductions do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, it doesn't quite work that way.

To choose insurers with the best auto insurance discounts in Apache, click this link.

Auto insurance ads bend the truth

21st Century, Allstate and State Farm regularly use ads on TV and radio. All the companies make the same claim of big savings if you move to them. How do they all make almost identical claims? This is how they do it.

Different companies have a certain "appetite" for the type of driver that makes them money. An example of a profitable customer could possibly be over the age of 50, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters is entitled to the best price and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile must pay a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "people who quote" save money. That is how insurance companies can confidently advertise the way they do. This illustrates why you should get as many quotes as possible. It's impossible to know which company will provide you with the cheapest rates.

But I don't know anything about car insurance

When buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone's situation is unique so this has to be addressed. These are some specific questions might point out if your situation may require specific advice.

  • Do I really need UM/UIM coverage?
  • Am I covered when driving in Canada or Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are rental cars covered under my policy?
  • When do I need to add a new car to my policy?
  • Do I need to file an SR-22 for a DUI in Oklahoma?
  • Does my liability insurance cover pulling a trailer or camper?

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

More tips and info about auto insurance is available at the Oklahoma Insurance Department website. Oklahoma consumers can discover disciplinary actions, read consumer alerts, read industry bulletins, and find out which companies have the most complaints.

Apache auto insurance quote

Final considerations

Low-cost auto insurance is definitely available online and with local Apache insurance agents, and you should be comparing both to have the best rate selection. Some auto insurance companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

When shopping online for auto insurance, never buy poor coverage just to save money. There are a lot of situations where an insured cut liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.