Consumer Tested Strategies to Save on Bixby Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say you are not the only one feeling buyer's remorse.

You have multiple to buy insurance from, and though it is a good thing to have a choice, having more makes it harder to compare rates.

Finding the best rates in Bixby is quite easy. Just about every driver who has to buy auto insurance should be able to cut their insurance bill. Nevertheless, Oklahoma drivers do need to know the way insurance companies market insurance on the web and apply this information to your search.

Quick Bixby Auto Insurance Quotes

Most major insurance companies like 21st Century, Allstate and State Farm quote pricing on the web. This process is pretty easy as you just enter the coverage amounts you desire as detailed in the form. Behind the scenes, the company's rating system will obtain credit information and your driving record and returns a price quote based on these and other factors. Being able to quote online makes comparing rates easy, but the process of having to visit different websites and type in the same information can be a bit repetitive. But it's very important to have as many quotes as possible if you are searching for the best price on auto insurance.

There is an easier way!

A less time-consuming method to find better auto insurance pricing uses one form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes online quotes much more enjoyable. Immediately after you send the form, it is quoted with multiple companies and you can pick any one of the returned quotes. If a lower price is quoted, you can click and sign and buy the new coverage. It takes 15 minutes at the most and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with your coverages identical to your current policy. This way, you will have an apples-to-apples comparison based on similar coverages.

auto insurance in Bixby

Why some people pay less for insurance in Bixby

It's important that you understand the factors that play a part in calculating the price you pay for auto insurance. Knowing what determines base rates allows you to make educated decisions that could result in big savings.

  • Higher safety ratings means cheaper insurance - Vehicles with good safety scores get lower rates. Safe vehicles result in less severe injuries and lower injury rates means lower claim amounts and thus lower rates.
  • Don't get talked into coverage you don't need - There are quite a few extra coverages that you can get tricked into buying on your auto insurance policy. Coverages for rental car reimbursement, accidental death and motor club memberships are some examples. They may seem good when you first buy your policy, but if you don't need them eliminate them to save money.
  • Adjust deductibles and save - The deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The higher the amount you're willing to pay, the less your auto insurance will be.
  • One company can mean more discounts - Some insurance companies will award you with lower prices to customers who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to shop around to make sure you are getting the best deal. Drivers may still find a better deal by buying auto insurance from a different company.
  • Your stress level may be raising your rates - Occupations such as lawyers, social workers and financial analysts tend to pay higher average rates because of job stress and lots of time spent at work. Conversely, occupations such as actors, engineers and retirees have the lowest average rates.
  • Men are more aggressive - Statistics demonstrate that women are safer drivers than men. Now that doesn't mean women are better drivers. They both are in accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets such as DWI and reckless driving.
  • Careful drivers pay lower rates - Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one moving violation can increase rates twenty percent or more. Good drivers have lower premiums than their less careful counterparts. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state DMV in order to prevent a license revocation.

Are you getting all your discounts?

Companies don't necessarily list all available discounts very clearly, so we took the time to find both well-publicized as well as the least known discounts you could be receiving.

  • Fewer Miles Equal More Savings - Low mileage vehicles can earn a substantially lower rate.
  • Safety Course Discount - Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Multiple Cars - Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Auto/Home Discount - When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Accident Free - Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
  • No Charge for an Accident - Certain companies will forgive one accident without raising rates so long as you haven't had any claims for a particular time prior to the accident.
  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Life Insurance Discount - Larger companies have a discount if you purchase auto and life insurance together.

Consumers should know that some of the credits will not apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies don't profit that way.

For a list of insurers with discount auto insurance rates in Oklahoma, click here.

More tips and info about auto insurance can be found at the Oklahoma Insurance Department website. Oklahoma consumers can find disaster information, discover disciplinary actions, report car insurance fraud, and read consumer alerts.

auto insurance in Bixby

Shop smart and save

Cost effective auto insurance is attainable online and with local Bixby insurance agents, and you need to price shop both to have the best selection. Some auto insurance companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured dropped physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.