Tightwads Tips for Saving on Laverne Auto Insurance

No one looks forward to buying auto insurance, in particular when they are paying too much. You have so many to buy insurance from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates.

Locating affordable protection in Laverne can be fairly easy. If you have a current auto insurance policy or need new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Oklahoma consumers only need to know the tricks to buy auto insurance over the internet.

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but some may not be applied and must be specifically requested before you will receive the discount. If you're not getting every credit you qualify for, you are throwing money away.

  • Driver Safety - Taking a course in driver safety can save you 5% or more if you qualify.
  • Good Student - Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Save over 55 - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Clubs and Organizations - Participating in a qualifying organization is a good way to get lower rates when buying auto insurance.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Fewer Miles Equal More Savings - Fewer annual miles could qualify for discounted rates on garaged vehicles.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

auto insurance in Laverne

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's needs are different so your insurance should reflect that For instance, these questions may help highlight whether you may require specific advice.

  • Should I have combined single limit or split liability limits?
  • Should I buy only the required Oklahoma minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I getting all the discounts available?
  • What can I do if my company won't pay a claim?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies. It's fast, doesn't cost anything and can provide invaluable advice.

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

Oklahoma consumers get pounded daily by advertisements for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the companies make an identical promise about savings after switching your policy.

How does each company make almost identical claims?

Different companies have a certain "appetite" for the right customer that earns them a profit. A good example of a profitable customer could possibly be over the age of 50, a clean driving record, and has excellent credit. A customer getting a price quote who meets those qualifications will get very good rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards must pay more money and ends up with the driver buying from a lower-cost company. The ads say "people who switch" not "everybody who quotes" save that kind of money. That is how companies can truthfully make those claims.

This illustrates why you should get quotes from several different companies. It's impossible to know which company will have the lowest rates.

Additional information can be read on the website for the Oklahoma Insurance Department through this link. Oklahoma consumers can discover disciplinary actions, file complaints about a company, view agent and company licensing information, and read enforcement actions against agents and companies.

Oklahoma auto insurance

A tidy conclusion

The cheapest auto insurance can be purchased online in addition to many Laverne insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

You just read some good ideas how you can reduce auto insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from an unexpected company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as .

While you're price shopping online, it's very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped collision coverage and discovered at claim time they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.