How to Know You're Spending Too Much for Auto Insurance in Guthrie

Overpriced auto insurance can dwindle your checking account and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to tighten up your finances.

Companies like GEICO and Progressive increase brand awareness with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

compare Guthrie auto insurance rates

How to Get Cheap Auto Insurance in Guthrie, OK

There are several ways of comparing price quotes from local Guthrie auto insurance companies. The best method to find the cheapest insurance rates is to get quotes online. This can be done in just a few minutes using one of these methods.

  • The recommended way to get quotes is to use a rate comparison form (click to open form in new window). This form saves time by eliminating multiple quote forms to each individual auto insurance company. A single, simple form compares rates from multiple low-cost companies.
  • A more difficult way to compare rate quotes is going to the website of each company to complete a price quote. For sake of this example, we'll pretend you want comparison quotes from , and . To find out each rate you need to spend time on each company's site and enter your information, which is why the first method is more popular.

    To view a list of companies in Guthrie, click here.
  • The hardest way to compare rates is to waste gas driving to local insurance agencies. The internet has reduced the need for local agents unless you require the professional advice only provided by licensed agents. Drivers can get the lowest quotes online and still use a local agent. We'll cover that shortly.

It's up to you how you get prices quotes, just make sure you use exactly the same coverage limits and deductibles with each company. If you enter different liability limits it's impossible to make an equal comparison in Guthrie. Having just a slight variation in limits can make a big difference in price. And when comparing auto insurance rates, know that quoting more will improve the odds of getting the best rates.

Take advantage of discounts

Companies offering auto insurance do not list every discount in a way that's easy to find, so here is a list both well-publicized as well as the least known ways to save on auto insurance.

  • Payment Discounts - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same company you could get a discount of approximately 10% to 15%.
  • Accident Free - Drivers who don't have accidents can earn big discounts when compared to bad drivers.
  • Passive Restraint Discount - Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
  • Auto/Life Discount - Some companies give better rates if you take out auto and life insurance together.

Keep in mind that most discount credits are not given to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it just doesn't work that way.

To see a list of insurance companies offering auto insurance discounts in Guthrie, click this link.

How to know if you need help

When choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone's situation is a little different so this has to be addressed. These are some specific questions can help discover whether your personal situation might need an agent's assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • What companies insure drivers after a DUI or DWI?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Learn more about auto insurance in Oklahoma

Additional detailed information is available at the Oklahoma Insurance Department website. Oklahoma consumers can view a list of available companies, view agent and company licensing information, read consumer alerts, and read industry bulletins.