Ardmore Auto Insurance For Less Than You're Paying Now

Finding lower rates for Ardmore auto insurance is challenging for consumers new to shopping for insurance online. You have so many choices that it can turn into a challenge to compare prices in Ardmore.

It's important to compare prices once or twice a year since insurance rates are constantly changing. If you had the best rates a few years ago a different company probably has better rates today. You can find a lot of misleading information regarding auto insurance online, so I'm going to show you some great ways to find cheap auto insurance.

Be sure to get all your discounts

Companies that sell car insurance don't list all their discounts very well, so the following is a list of some of the best known and the harder-to-find savings tricks you should be using. If you don't get every credit available, you are throwing money away.

Senior Discount - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
Service Members Pay Less - Being on active duty in the military can result in better rates.
Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.

Keep in mind that most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn't work that way.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the different types of things that come into play when calculating auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with better auto insurance rates.

Sex matters - The statistics show women tend to be less risk to insure than men. However, don't assume that men are worse drivers. Men and women have accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like reckless driving and DUI.
You might want pay the small claims yourself - Car insurance companies in Oklahoma award discounts to drivers who are claim-free. If you file claims often, you can definitely plan on higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
Special features that cut premiums - Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
Consolidate policies to earn discounts - The majority of insurers will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to compare other company rates to ensure the best deal. Consumers may find better rates by splitting coverages up.
Poor credit can mean higher rates - Credit rating is a huge factor in your rate calculation. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit can use some improvement, you could potentially save money when insuring your by improving your rating.
Rates may be lower depending on your job - Jobs such as real estate brokers, business owners and stock brokers tend to have the highest rates in part from high stress and long work hours. On the other hand, occupations like farmers, students and the unemployed receive lower rates.
Higher safety ratings means cheaper insurance - Safer cars can get you lower premiums. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.

Is there truth in advertising?

Oklahoma drivers get pounded daily by advertisements for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you can save if you move to their company.

But how can every company say the same thing? This is how they do it.

Different companies can use profiling for the driver that earns them a profit. A good example of a desirable insured might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. A propective insured who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will have to pay a higher premium and ends up with business not being written. The ads state "drivers who switch" but not "drivers who get quotes" save that much. That's why insurance companies can advertise the way they do. Because of the profiling, drivers should get quotes from several different companies. It's not possible to predict the company that will provide you with the cheapest rates.

Additional detailed information can be read at the Oklahoma Insurance Department website. Oklahoma drivers can learn about insurance regulations, download brochures, and view a list of available companies.

Also read more on this Car Insurance FAQ and this page of insurance agents in Ardmore.

Best coverage at the best price

When shopping online for auto insurance, do not skimp on coverage in order to save money. There are many occasions where an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage for the lowest price.

People who switch companies do it for any number of reasons including denial of a claim, extreme rates for teen drivers, unfair underwriting practices and even policy non-renewal. Regardless of your reason, switching auto insurance companies is less work than it seems.

Affordable auto insurance is possible on the web and also from your neighborhood Ardmore agents, and you should be comparing both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.