Top Ways to Save on Mountain View Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me, there are a lot of people in Mountain View just like you who feel imprisoned by their car insurance policy.

Because you have many choices of insurance companies, it is very difficult to pick the best insurance company.

It's important to do rate comparisons every six months due to the fact that insurance rates are constantly changing. Even if you got the best price last year the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you're about to learn the only way to buy cheaper car insurance.

These discounts can lower your rates

The price of auto insurance can be rather high, but you may find discounts that many people don't even know exist. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be asked for before you will receive the discount.

Auto/Life Discount - Some companies give a break if you buy a life insurance policy as well.
Multi-car Discount - Buying coverage for more than one vehicle on the same car insurance policy qualifies for this discount.
Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
College Student - Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.

Keep in mind that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, it just doesn't work that way. But any discount will help reduce the cost of coverage.

To see a list of companies offering car insurance discounts in Oklahoma, click this link.

Comprehensive Mountain View Car Insurance Comparison

Most companies allow you to get pricing online. Obtaining pricing is pretty easy as you just type in the coverages you want as detailed in the form. Once you submit the form, the system will obtain reports for credit and driving violations and returns a price. This makes comparing rates easy, but having to visit several different sites and complete many quote forms can get tiresome after awhile. But it's very important to do this in order to find better car insurance pricing.

There is a better way!

The preferred way to lower your rates makes use of a single form that obtains quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. After sending your information, it is rated and you can choose any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the new coverage. The entire process takes 15 minutes at the most and may save quite a bit of money.

In order to find out what other companies charge, click here to open in new window and enter your information. If you currently have coverage, we recommend you input the coverage information as shown on your current policy. This makes sure you will get rate comparison quotes based on the exact same insurance coverage.

Why some people pay less for insurance in Mountain View

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with lower car insurance prices.

Drive less and save money - The more miles you rack up on your car in a year the more you will pay for car insurance. Most companies charge to insure your cars based on their usage. Autos left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your car insurance policy properly reflects how each vehicle is driven.
Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be running into the backend of another car, damage caused by hail, and rolling your vehicle. Physical damage deductibles are how much you are willing to pay in the event of a claim. The higher the amount you're willing to pay, the less your car insurance will be.
Your credit rating is important - Credit score is a huge factor in calculating your car insurance rates. If your credit score is lower than you'd like, you could pay less to insure your by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with poor credit.
Bad driving skills means higher rates - Your driving citation history has a big impact on rates. Good drivers tend to pay less for car insurance than bad drivers. Only having one speeding ticket can increase rates forty percent or more. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
Mature drivers pay less - Youthful drivers in Oklahoma are statistically proven to be more careless when behind the wheel so car insurance rates are higher. Older insureds are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
Bundling policies can get discounts - Most car insurance companies will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to compare rates to make sure you are getting the best deal. You may still be able to find a better deal by splitting coverages up.

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. They all seem to make the same claim that you can save if you switch to them. But how can every company claim to save you money? This is how they do it.

All companies are able to cherry pick for the type of driver that is profitable for them. For example, a desirable insured might be between the ages of 40 and 55, has no driving citations, and has great credit. Any driver who matches those parameters will get very good rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will have to pay higher premiums which leads to the customer not buying. The ads say "drivers who switch" not "everybody who quotes" save money. That's the way insurance companies can advertise the savings.

Because of the profiling, drivers must get quotes from several different companies. You cannot predict which car insurance company will give you the biggest savings.

Shop smart and save

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. In many instances, someone sacrificed physical damage coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage for the lowest price.

Affordable car insurance can be found both online and with local Mountain View insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We just presented some good ideas how to compare car insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as .

Learn more about Oklahoma car insurance

More information can be found on the website for the Oklahoma Insurance Department. Click here for link. Visitors are able to file complaints about an insurance agent or broker, report car insurance fraud, find out industry alerts, and file complaints about a company.

Additional helpful sites include Auto Insurance 101 and this page where you can research Mountain View insurance agents.