Free Guide to Cutting Costs on Eufaula Auto Insurance Online

Paying for high-priced auto insurance can take a big chunk out of your personal savings and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

You have multiple to buy insurance from, and even though it's nice to be able to choose, having more makes it harder to compare rates.

Why some people pay less for insurance in Eufaula

Consumers need to have an understanding of the different types of things that come into play when calculating auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in better auto insurance rates.

Extra coverages can waste money - There are a lot of add-on coverages that you can get tricked into buying if you aren't careful. Coverages for rental car reimbursement, accidental death and motor club memberships may be costing you every month. These may sound like a good investment at first, but if you don't need them eliminate them to save money.
Men fork out a little more - Statistics have proven that women are safer drivers than men. However, don't assume that women are better drivers. Men and women are in accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like reckless driving and DUI.
Rates may be higher depending on your occupation - Occupations such as doctors, business owners and financial analysts tend to pay higher average rates attributed to high stress levels and long work hours. Conversely, occupations such as pilots, engineers and the unemployed have the lowest average rates.
Pay less after the wedding - Being married actually saves money on your policy. Having a spouse is viewed as being more responsible and it's statistically proven that married drivers get in fewer accidents.
Optional equipment can affect rates - Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.

Are you getting all your discounts?

Companies don't always list all available discounts very clearly, so here is a list some of the best known and the more hidden savings tricks you should be using.

Defensive Driving Course - Taking a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
Senior Discount - If you're over the age of 55, you can possibly qualify for reduced rates.
Accident Free - Drivers who don't have accidents can earn big discounts when compared with accident-prone drivers.
Own a Home - Owning a home in Eufaula can help you save on auto insurance because of the fact that having a home requires personal responsibility.
Military Rewards - Being on active duty in the military can result in better rates.
Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky.

To choose insurers with the best auto insurance discounts in Oklahoma, click here to view.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm regularly use ads on television and other media. All the companies make an identical promise about savings if you move to them. How does each company say the same thing?

Different companies have a preferred profile for the type of driver that makes them money. An example of a profitable customer might be profiled as a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards must pay higher prices and ends up with business not being written. The ad wording is "people who switch" not "everybody who quotes" save money. This is how companies can truthfully advertise the way they do. This illustrates why you should compare many company's rates. It's not possible to predict which insurance companies will provide you with the cheapest rates.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine whether you would benefit from professional advice.

Should I rate my vehicle as pleasure use or commute?
Should I put collision coverage on all my vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy cover my teen driver if they drive my company car?
Am I covered when pulling a rental trailer?
Do I need special endorsements for business use of my vehicle?
Do I qualify for additional discounts?
Are there companies who specialize in insuring high-risk drivers?

If you're not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Even more information is available at the Oklahoma Insurance Department website. Oklahoma drivers can discover disciplinary actions, learn about insurance regulations, read industry bulletins, and get help finding coverage.

The best insurance company isn't always the cheapest

Cheaper auto insurance is definitely available on the web and with local Eufaula insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.