Easy Ways to Pay Less on Beggs Auto Insurance

Searching for affordable Beggs auto insurance over the internet can be intimidating for consumers not familiar with shopping for insurance online. Since there are so many insurers to choose from, how can consumers effectively compare every company to locate the cheapest rates?

It's important to compare prices quite often because insurance rates are constantly changing. If you had the best deal a couple years back a different company probably has better rates today. Starting now, ignore everything you know about auto insurance because you're about to learn the only way to find lower rates on auto insurance.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help offset the cost. Some trigger automatically when you complete an application, but lesser-known reductions have to be asked about before they will apply.

College Student - Kids in college who live away from home without a vehicle on campus may be able to be covered for less.
Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
Sign Online - Certain companies will discount your bill up to fifty bucks just for signing your application over the internet.
Drive Less and Save - Keeping the miles down can qualify you for discounted rates on garaged vehicles.

It's important to note that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you're out of luck. But any discount will bring down your premiums.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

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

Older drivers pay less - Teen drivers in Oklahoma tend to be more careless when driving so they pay higher auto insurance rates. Adding a young driver onto a policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.
Sex matters - Statistics have proven that women are safer drivers than men. However, don't assume that women are BETTER drivers than men. Women and men cause accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as DWI and reckless driving.
Car features impact rates - Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
Pay less after the wedding - Being married actually saves money on your policy. It translates into being more mature and statistics show married drivers get in fewer accidents.
Safe vehicles cost less to insure - Cars with high safety ratings can get you lower premiums. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Every situation is different.

Here are some questions about coverages that may help you determine whether or not you would benefit from an agent's advice.

Why does it cost so much to insure a teen driver in Beggs?
Should I buy additional glass protection?
What can I do if my company won't pay a claim?
Does my personal policy cover me when driving my company car?
Is my nanny covered when driving my vehicle?
Are rental cars covered under my policy?
When do I need to add a new car to my policy?
Should I drop comprehensive coverage on older vehicles?

If you're not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

The auto insurance bait and switch

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to make an identical promise that you can save if you move your coverage to them. How does each company make almost identical claims? It's all in the numbers.

All companies have a preferred profile for the type of customer that earns them a profit. An example of a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A driver who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Consumers who don't measure up to these standards will have to pay higher rates and ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" not "everyone that quotes" save that much money. This is how insurance companies can advertise the way they do.

Because of the profiling, drivers should get as many quotes as possible. It is impossible to predict which insurance companies will provide you with the cheapest rates.

More sites with auto insurance information

More information is available on the Oklahoma Insurance Department website found here. Oklahoma consumers can read enforcement actions against agents and companies, learn about insurance regulations, and view a list of available companies.

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the best price.

People who switch companies do it for a variety of reasons including not issuing a premium refund, denial of a claim, unfair underwriting practices and even an unsatisfactory settlement offer. Regardless of your reason, finding a new auto insurance company is less work than it seems.

Lower-priced auto insurance is possible online as well as from independent agents in Beggs, so you should compare both to get a complete price analysis. Some auto insurance companies don't offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.