Davenport Auto Insurance For Less Than You're Paying Now

Shopping online for Davenport auto insurance is challenging if you have never used online price comparisons. But don't be discouraged because finding affordable coverage online is easier than you think.

It's important to price shop coverage periodically since insurance rates are constantly changing. Even if you think you had the lowest price on your last policy there is a good chance you can find better rates now. There is too much inaccurate information about auto insurance online but I'm going to show you some great ways to reduce your auto insurance bill.

Buying car insurance in Davenport is not that difficult. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Although Oklahoma vehicle owners do need to know how companies market insurance on the web because it can help you find the best coverage.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the different types of things that play a part in calculating auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with big savings.

Shown below are a partial list of the pieces that factor into rates.

  • Where you reside plays a part - Living in less populated areas can be a good thing when buying auto insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Fewer people means reduced accidents as well as less vandalism and auto theft.
  • A clean driving record saves money - Just one citation may increase your cost by twenty percent. Drivers with clean records get better rates than their less careful counterparts. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Don't get talked into coverage you don't need - There are quite a few additional coverages that you can buy if you aren't careful. Coverages for roadside assistance, towing coverage and membership fees may be costing you every month. These may sound like a good investment initially, but your needs may have changed so eliminate them to save money.
  • Men are more aggressive - Statistics show that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. They both tend to get into accidents in similar numbers, but the males tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI.

Oklahoma auto insurance quotes

Davenport Auto Insurance Comparisons

There are several ways to compare rate quotes from different Davenport insurance companies. One of the best ways to find competitive insurance rates is to perform an online rate comparison. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do separate quote forms to each individual auto insurance company. Just one form will get you price quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  2. A harder way to compare rate quotes requires a visit to the website for each individual company to request a price quote. For sake of this example, let's assume you want to compare , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in Davenport, click here.

It's your choice how you get your quotes, but be sure to compare identical coverage limits for each price quote. If each company quotes differing limits you can't possibly truly determine the lowest rate in Davenport. Quoting even small variations in coverages may result in large price differences. Keep in mind that comparing more company's prices helps locate better pricing.

Take advantage of discounts

Companies that sell car insurance do not advertise all their discounts very clearly, so we researched some of the best known and also the lesser-known savings tricks you should be using.

  • Bundle and Save - If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.
  • Passive Restraints - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Safety Course Discount - Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Senior Discount - If you're over the age of 55, you may receive a discount up to 10%.
  • No Claims - Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Drivers Education - Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you won't be that lucky.

To choose companies with discount auto insurance rates in Oklahoma, click here to view.

Are auto insurance companies telling the truth?

Auto insurance companies such as GEICO, State Farm and Progressive consistently run ads on TV and radio. They all seem to make an identical promise about savings if you change your policy. How does each company say the same thing? It's all in the numbers.

All the different companies have a certain "appetite" for the right customer that makes them money. For instance, a desirable insured might be profiled as between 25 and 40, a clean driving record, and has great credit. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Drivers who don't qualify for these standards will have to pay higher premiums and ends up with business not being written. The ad wording is "customers who switch" not "people who quote" save that kind of money. That is how companies can truthfully advertise the savings. Because of the profiling, you need to get quotes from several different companies. It's not possible to predict which company will fit your personal profile best.

How to know if you need help

When buying the best auto insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Your needs are not the same as everyone else's.

These are some specific questions may help highlight whether your personal situation would benefit from an agent's advice.

  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I put collision coverage on all my vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Is rental equipment covered for theft or damage?

If you're not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Even more information is located at the Oklahoma Insurance Department website. Oklahoma drivers can view agent and company licensing information, file complaints about a company, and discover disciplinary actions.

Oklahoma auto insurance

Do the work, save more money

When you buy insurance online, it's very important that you do not reduce coverage to reduce premium. In many instances, someone dropped collision coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at the best price.

Throughout this article, we presented many tips how you can compare auto insurance prices online. It's most important to understand that the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the most savings is with a small mutual company.

The cheapest auto insurance is attainable on the web in addition to many Davenport insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and most of the time these small, regional companies sell through independent agents.