Getting Cheap Grandfield Car Insurance
Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you are not the only one feeling buyer's remorse. Consumers have many to pick from, and although it's nice to have multiple companies, it can be more difficult to compare rates.
Save big with these discounts
Companies that sell car insurance don't always list all available discounts very clearly, so here is a list some of the more common as well as the least known discounts you could be receiving. If you're not getting every credit possible, you are throwing money away.
- Clubs and Organizations - Belonging to a qualifying organization may earn a discount when buying car insurance.
- Defensive Driver - Completing a driver safety course could possibly earn you a 5% discount if you qualify.
- Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
- Auto/Home Discount - If you have multiple policies with the same company you may save up to 20% off your total premium.
- Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
It's important to note that some of the credits will not apply the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you're out of luck.
Car insurance ads bend the truth
Consumers get pounded daily by advertisements that promise big savings by Allstate, GEICO and Progressive. All the companies have a common claim that you can save if you switch to their company.
How does each company make the same claim?
All companies are able to cherry pick for the driver that earns them a profit. An example of a profitable customer could be between the ages of 40 and 55, has no tickets, and has a high credit rating. A customer that hits that "sweet spot" will get very good rates and most likely will save when switching.
Potential customers who fall outside these standards must pay higher prices and this can result in business going elsewhere. The ads say "customers that switch" not "people who quote" save that much. That's the way insurance companies can state the savings. This illustrates why you should get quotes from several different companies. Because you never know which car insurance company will have the lowest rates.
Find out more about car insurance
Additional detailed information is available at the Oklahoma Insurance Department website. Consumers can find out which companies have the most complaints, discover disciplinary actions, file complaints about a company, and view agent and company licensing information.
Also read more on this link for Oklahoma car insurance quotes and this link which helps you find a Grandfield agent.
In the end, you save
Lower-priced car insurance is available from both online companies and also from your neighborhood Grandfield agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
We just showed you a lot of techniques to reduce car insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies. Regional companies often have lower prices on specific markets than their larger competitors like .
As you restructure your insurance plan, make sure you don't buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability limits or collision coverage only to find out that they should have had better coverage. Your focus should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.
