Car Insurance in Durham, OK - 7 Tricks to Save Money

Are you tired of not being able to afford each month for car insurance? You are in the same boat as many other drivers in Oklahoma.

Companies like State Farm, Allstate, GEICO and Progressive persitently shower you with TV and radio ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

More discounts equal less premium

Car insurance companies don't always list every discount in a way that's easy to find, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

  • Seat Belts Save - Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
  • New Car Discount - Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Payment Method - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Paperwork-free - Certain companies will give a small break just for signing your application digitally online.

Keep in mind that most discounts do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, it just doesn't work that way.

To see a list of insurance companies who offer car insurance discounts in Durham, click here to view.

How to Compare Durham Car Insurance Rates

Most companies allow you to get prices online. Getting quotes is quite easy as you simply type in into the quote form. Once you submit the form, their rating system will obtain your credit score and driving record and returns a price based on many factors. Online quotes simplifies rate comparisons, but having to visit a lot of sites and type in the same information can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.

The preferred way to lower your car insurance bill is to use a quote form to obtain quotes from more than one company. It's a real time-saver, reduces the work, and makes online quotes a little more enjoyable. Immediately after you send the form, it is rated and you can select your choice of the price quotes you receive. If a lower price is quoted, it's easy to complete the application and purchase the new policy. The entire process takes 15 minutes at the most and may save quite a bit of money.

To find out how much you're overpaying now, click here and submit your coverage information. If you currently have coverage, we recommend you input as shown on your current policy. This makes sure you will have a fair comparison based on the exact same insurance coverage.

Switch companies and save? Really?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all make an identical promise that you can save after switching to their company. How can each company make the same claim?

All companies can use profiling for the driver that is profitable for them. For example, a driver they prefer could be a mature driver, is a homeowner, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get very good rates and therefore will save when they switch companies.

Consumers who do not match the requirements will be quoted higher prices and ends up with business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save that much. That's why insurance companies can advertise the way they do. This emphasizes why drivers must compare as many rates as you can. It's just too difficult to predict the company that will provide you with the cheapest rates.

Affordable insurance is out there

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced physical damage coverage only to discover later that the savings was not a smart move. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Affordable car insurance can be purchased from both online companies and also from your neighborhood Durham agents, and you need to price shop both in order to have the best price selection to choose from. Some car insurance companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

Learn more today

Additional detailed information can be found at the Oklahoma Insurance Department website. Consumers can find a variety of consumer forms, download brochures, file complaints about an insurance agent or broker, and view a list of available companies.