Top Ways to Save on Langley Car Insurance

Paying for high-priced car insurance can take a big chunk out of your bank account, especially in this economy. Comparison shopping is free and is an excellent way to help make ends meet.

Because you have many online and local companies to choose from, it can be hard to find the right insurance company.

It's important to check car insurance prices yearly since rates are constantly changing. Just because you had the best deal last year there is a good chance you can find better rates now. So just ignore everything you know about car insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.

What determines how much you pay?

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for car insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with better car insurance rates.

  • Where you live can impact rates - Residing in a small town can be a good thing when talking about car insurance. Drivers in populated areas regularly have much more traffic and longer commute times. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
  • Poor driving leads to higher costs - Good drivers have lower premiums than bad drivers. Only having one moving violation can increase rates by as much as thirty percent. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Liability coverage is cheap - Liability insurance is the protection if ever you are found liable for damages from an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Being married can save on car insurance - Being married can actually save you money on your car insurance policy. It is viewed as being more responsible and it's proven that married drivers get in fewer accidents.
  • Higher deductibles cost less - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims would be a windshield shattered by a rock, collision with an animal, and burglary. Physical damage deductibles are how much you are willing to pay in the event of a claim. The more money you're willing to pay, the bigger discount you will receive.

Oklahoma car insurance quotes

Compare Car Insurance Today

Comparing car insurance rates can be challenging if you don't understand the most efficient way to do it. You can spend your afternoon driving to insurance agencies in Langley, or you could save time and use the web to get the quickest rates.

Most of the larger companies participate in an industry program that enables customers to enter their policy data once, and at least one company then returns a price quote. This system prevents you from having to do repetitive form submissions to each individual car insurance company. To submit your quote information now, click here to open in new window.

The only downside to using this type of system is you are unable to specify which providers you want to price. If you wish to select individual companies to compare, we put together a list of car insurance companies in Oklahoma. Click here for list of insurance companies in Oklahoma.

It doesn't matter which method you choose, just make sure you use apples-to-apples coverages and limits on every quote. If you are comparing different deductibles it will be impossible to make a fair comparison in Langley. Having just a slight variation in coverages can make a big difference in price. And when comparing car insurance rates, know that quoting more provides better odds of finding a lower rate.

Don't pay full price with these discounts

Car insurance companies don't always list all their discounts very well, so here is a list both the well known as well as the least known ways to save on car insurance.

  • Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance from them.
  • Bundle and Save - If you insure your home and vehicles with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Early Signing - Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Good Student Discount - This discount can save 20 to 25%. The discount lasts until age 25.
  • Sign Online - Some insurance companies may give you up to $50 for buying your policy online.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, you won't be that lucky.

To choose companies offering car insurance discounts in Oklahoma, click this link.

The car insurance bait and switch

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to make the same claim about savings if you switch to them. But how can every company claim to save you money?

Different companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured might be a mature driver, has no prior claims, and has great credit. Any new insured who matches those parameters gets the lowest rates and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher rates which leads to the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save money. This is how companies can truthfully advertise the savings. Because of the profiling, you need to get as many comparisons as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

Your personal situation dictates your coverage

When buying proper insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's needs are different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why am I required to buy high-risk coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I wreck a rental car?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Even more information is available at the Oklahoma Insurance Department website. Visitors are able to view agent and company licensing information, file complaints about a company, find out which companies have the most complaints, and get help finding coverage.

Other informative sites include Wikipedia and this page where you can research Langley insurance agents.

Oklahoma car insurance quotes

The best insurance company isn't always the cheapest

As you prepare to switch companies, do not reduce coverage to reduce premium. In many instances, consumers will sacrifice liability limits or collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at a price you can afford.

We just covered many ideas to compare car insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even find the best price on car insurance is with a small local company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as .

Cheaper car insurance is available both online and with local Langley insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online price quotes and most of the time these smaller companies sell through independent agents.