Top 9 Ways to Save on Car Insurance in Hugo, OK

Are you sick and tired of trying to scrape together enough money each month for car insurance? You are in the same boat as millions of other consumers. Companies like GEICO and Progressive continually hit you with fancy advertisements and it is difficult to sift through the bull and do the work needed to find the best deal.

Take advantage of discounts

Companies that sell car insurance don't always publicize all available discounts in a way that's easy to find, so the following is a list of both the well known as well as the least known savings tricks you should be using. If you aren't receiving every discount available, you are throwing money away.

Military Rewards - Being on active duty in the military could be rewarded with lower premiums.
Accident Free - Claim-free drivers pay less when compared with drivers who are more careless.
Employee of Federal Government - Active or retired federal employment could cut as much as 10% off depending on your company.
Good Students Pay Less - Performing well in school can earn a discount of 20% or more. The good student discount can last up until you turn 25.
Senior Citizens - If you qualify as a senior citizen, you may receive reduced rates.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.
Auto/Home Discount - If you have multiple policies with the same company you will save at least 10% off all policies.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
Save with a New Car - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.

Keep in mind that most discounts do not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it just doesn't work that way.

Are car insurance companies telling the truth?

Consumers in Oklahoma get pounded daily by advertisements for the lowest price auto insurance by companies like 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you change to them.

How can each company claim to save you money?

Insurance companies can use profiling for the type of driver that earns them a profit. A good example of a profitable customer might be between 30 and 50, is a homeowner, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements must pay higher prices and ends up with the customer not buying. The ad wording is "customers that switch" not "people who quote" save money. That's why insurance companies can advertise the way they do. This illustrates why drivers should get quotes from several different companies. It's just too difficult to predict the company that will provide you with the cheapest rates.

Learn more today

Additional detailed information can be read at the Oklahoma Insurance Department website. Visitors are able to find disaster information, read industry bulletins, download brochures, and file complaints about a company.

A tidy conclusion

Affordable car insurance is attainable both online and with local Hugo insurance agents, so compare prices from both so you have a total pricing picture. Some car insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's a bad idea to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.