Tightwads Guide for Saving on Chickasha Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, you're not the only one.

Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with ads and it is challenging if not impossible to sift through the bull and find the best price available.

It's important to price shop coverage at least once a year because prices are constantly changing. Despite the fact that you may have had the best deal a few years ago there may be better deals available now. So just block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to lower your annual insurance bill.

If you currently have car insurance, you will be able to save some money using these techniques. Choosing the best insurance company for you in Chickasha is quite easy. Nevertheless, Oklahoma consumers do need to know the way companies compete online and take advantage of how the system works.

More discounts equal less premium

Insuring your vehicles can cost a lot, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but some must be manually applied prior to receiving the credit.

  • Sign Online - Some insurance companies may give you up to $50 simply for signing digitally online.
  • Driver Safety - Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Senior Citizens - Older drivers may be able to get a discount up to 10%.
  • Payment Method - By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Homeowners Discount - Owning a house in Chickasha can save you money due to the fact that maintaining a home requires personal responsibility.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course if it's offered in school.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.

It's important to understand that some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, it doesn't quite work that way. Any qualifying discounts will reduce your premiums.

For a list of companies who offer auto insurance discounts in Chickasha, click here.

Compare the Market for Auto Insurance in Chickasha

Most major insurance companies quote coverage price quotes directly from their websites. This process doesn't take a lot of time as you just type in the coverage amounts you desire into the quote form. Once entered, the system will obtain your credit score and driving record and generates a price based on these factors. Online quotes makes it a lot easier to compare rates but the time required to go to multiple sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step if you are searching for a lower rate.

A more efficient way to find better auto insurance pricing uses one form that gets price quotes from multiple companies. It's a real time-saver, reduces the work, and makes quoting online much simpler. After sending the form, it is quoted and you can select your choice of the quotes that you receive.

If you find a better price you can simply submit the application and buy the new coverage. It only takes a few minutes and can result in significant savings.

To find out how much you're overpaying now, click here and submit your coverage information. If you have a policy now, it's recommended that you enter your coverages exactly as they are listed on your policy. This helps ensure you will receive a rate comparison based on identical coverages.

Affordable insurance is out there

Low-cost auto insurance can be bought both online in addition to many Chickasha insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not provide online quoting and most of the time these smaller companies sell through independent agents.

As you shop your coverage around, it's not a good idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at the best price.