5 Discounts Midwest City Shoppers Forget when Buying Car Insurance

Searching for the lowest cost Midwest City car insurance online can be difficult for consumers new to comparison shopping online. With so many online companies available, how can consumers have a chance to compare the different rates to find the lowest rates?

compare Midwest City car insurance rates

These 5 discounts can lower your rates

Companies don't list every discount very clearly, so here is a list both the well known as well as the least known discounts you could be receiving.

  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Senior Citizens - Older drivers can possibly qualify for reduced rates.
  • Accident Waiver - Certain companies will forgive one accident without raising rates if your claims history is clear prior to the accident.
  • Multiple Policy Discount - When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Government Employees - Simply working for the federal government can save as much as 8% with a few car insurance companies.

Keep in mind that some credits don't apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. So even though it sounds like it's possible to get free car insurance, it just doesn't work that way.

For a list of insurance companies with the best car insurance discounts in Oklahoma, click here.

Free Quotes for Car Insurance in Midwest City, Oklahoma

Most major insurance companies like State Farm, Allstate and GEICO allow you to get pricing online. Getting quotes is pretty easy as you simply type in your coverage information as detailed in the form. Once entered, the system will obtain information on your driving record and credit history and returns a price quote based on these and other factors.

Quoting online makes comparing rates easy, but the process of having to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible in order to find better car insurance pricing.

There is a better way!

A more efficient way to locate the lowest prices is to use a quote form that gets prices from several companies at one time. The form is fast, requires much less work on your part, and makes comparison shopping much more enjoyable. As soon as you send your information, it is rated and you are able to buy any one of the quotes that you receive. If a lower price is quoted, you can click and sign and buy the policy. The entire process only takes a few minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and complete the simple form. If you have a policy now, it's recommended you enter the coverages as shown on your current policy. This helps ensure you are getting a fair comparison based on identical coverages.

Different people need different coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether you may require specific advice.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Oklahoma?
  • Should I file a claim if it's only slightly more than my deductible?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Shop smart and save

Drivers who switch companies do it for a number of reasons such as unfair underwriting practices, denial of a claim, an unsatisfactory settlement offer and policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

When shopping online for car insurance, never sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Affordable car insurance is possible both online and with local Midwest City insurance agents, and you should be comparing both in order to have the best chance of saving money. Some car insurance companies do not offer online quoting and these smaller companies work with independent agents.