5 Money Saving Ideas Shown to Lower Car Insurance Costs in Roland

Searching for cheap Roland car insurance online is intimidating for consumers not familiar with online price comaprisons. Since there are so many online companies available, how can consumers possibly compare every company to locate the best available price?

Take advantage of discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you quote, but lesser-known reductions have to be manually applied before you get the savings.

  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy could earn a price break for each car.
  • New Car Discount - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Government Employees - Active or retired federal employment can save as much as 8% depending on your company.
  • Auto/Home Discount - If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, some credits don't apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Each situation is unique.

These are some specific questions can help discover whether your personal situation would benefit from an agent's advice.

  • Am I covered when driving on a suspended license?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • Should I have combined single limit or split liability limits?

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

Are car insurance companies telling the truth?

Allstate, GEICO and Progressive regularly use ads on TV and radio. All the companies have a common claim about savings if you move your coverage to them. How does each company make the same claim?

All companies have a preferred profile for the type of customer that earns them a profit. An example of a profitable customer could be between 25 and 40, has no prior claims, and has a short commute. Any new insured that hits that "sweet spot" will get the preferred rates and most likely will save when switching.

Drivers who don't qualify for these standards must pay a higher premium and this can result in business going elsewhere. The ads state "people who switch" not "people who quote" save that much money. This is how companies can truthfully make the claims of big savings.

This illustrates why drivers should get quotes from several different companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

Additional information is available on the Oklahoma Insurance Department website through this link. Consumers can report car insurance fraud, file complaints about an insurance agent or broker, and download brochures.

Also read more on this page for Oklahoma car insurance and this page for help finding agents in Roland, OK.

Oklahoma car insurance quotes

Do the work, save more money

Cheap car insurance is definitely available from both online companies as well as from independent agents in Roland, so you should compare both to have the best selection. Some insurance providers don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, make sure you don't skimp on coverage in order to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Drivers who switch companies do it for many reasons like lack of trust in their agent, delays in paying claims, high rates after DUI convictions and even policy non-renewal. No matter why you want to switch, finding the right car insurance provider is less work than it seems.