Free Guide to Cutting Costs on Chelsea Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are lots of people in the same boat.

There is such a variety of to buy insurance from, and although it's nice to have multiple companies, so many choices can make it hard to compare rates.

It's important to get comparison quotes every six months since insurance rates are constantly changing. Even if you think you had the best price a couple years back a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate how to quote online to get good coverage at a lower rate.

Finding the best rates in Chelsea is quite easy. Just about every driver who has to buy auto insurance should be able to save money. Nevertheless, Oklahoma vehicle owners do need to know how big insurance companies market insurance on the web and apply this information to your search.

These discounts can lower your rates

Companies that sell car insurance don't necessarily list all their discounts very clearly, so we took the time to find some of the best known as well as the least known discounts you could be receiving.

Life Insurance Discount - Larger companies have a discount if you purchase auto and life insurance together.
Clubs and Organizations - Affiliation with a qualifying organization may earn a discount on auto insurance.
Drive Less and Save - Low mileage vehicles can earn a substantially lower rate.
Homeowners Discount - Owning a house in Chelsea can save you money because maintaining a house is proof that your finances are in order.
Seat Belt Usage - Requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
No Claims - Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
Sign Online - A handful of insurance companies give back up to $50 simply for signing over the internet.

It's important to understand that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, it doesn't quite work that way.

Understand what determines the rate you pay

Smart consumers have a good feel for the factors that play a part in calculating auto insurance rates. Knowing what determines base rates helps enable you to make changes that may reward you with big savings.

Pleasure use saves money - The higher the mileage driven in a year the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage determined by how the vehicle is used. Cars not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your auto insurance declarations sheet shows the correct usage for each vehicle.
Protect yourself with liability coverage - Your policy's liability coverage provides coverage if ever a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
Do you need those extra coverages? - There are quite a few extra coverages that you can buy if you aren't careful. Coverages for rental car reimbursement, towing coverage and membership fees are some examples. They may seem good when you first buy your policy, but your needs may have changed so eliminate them to save money.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, and rolling your vehicle. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount the insured has to pay upfront, the less your auto insurance will be.
Don't cancel a policy without a new one in place - Not having insurance can get your license suspended and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance might get you a license revocation or jail time.Then you may be required to prove you have insurance by filing a SR-22 with the Oklahoma DMV.
Your stress level may be raising your rates - Jobs such as lawyers, social workers and financial analysts are shown to have higher average rates because of job stress and lots of time spent at work. Conversely, occupations such as actors, engineers and retirees pay the least.

Are you falling for claims of savings?

Auto insurance companies such as GEICO, State Farm and Progressive consistently run ads on television and other media. They all seem to have a common claim of big savings if you change your policy. How does each company say the same thing?

All the different companies are able to cherry pick for the right customer that earns them a profit. For example, a desirable insured might be profiled as between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured that hits that "sweet spot" receives the best rates and as a result will probably save when switching.

Drivers who are not a match for these standards will have to pay a higher premium and this can result in business not being written. Company advertisements say "customers that switch" not "everybody who quotes" save that kind of money. That's the way insurance companies can confidently advertise the way they do. Because of the profiling, drivers should get quotes from several different companies. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Learn more about Oklahoma auto insurance

More tips and info about auto insurance can be found at the Oklahoma Insurance Department website. Oklahoma drivers can file complaints about an insurance agent or broker, find out which companies have the most complaints, discover disciplinary actions, and report car insurance fraud.

Final considerations

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. In many instances, someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage at a price you can afford.

Low-cost auto insurance is attainable on the web in addition to many Chelsea insurance agents, so compare prices from both to have the best selection. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.