Car Insurance in Salina Oklahoma - 5 Discounts You Might be Losing Out On

Are you overwhelmed by the number of car insurance choices in Salina? You're not the only one! You have so many companies to choose from that it can turn into a real challenge to locate the lowest price.

Save big with these 5 discounts

Car insurance companies don't necessarily list all available discounts very clearly, so here is a list some of the more common and the more hidden ways to save on car insurance.

  • Clubs and Organizations - Belonging to a qualifying organization could trigger savings when buying car insurance.
  • Defensive Driver - Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • No Charge for an Accident - Certain companies permit an accident before your rates go up so long as you haven't had any claims for a certain period of time.
  • Homeowners Discount - Owning a home in Salina may earn you a small savings because owning a home requires personal responsibility.

It's important to note that many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you're out of luck.

Car insurance ads bend the truth

Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies make the same claim that you can save if you switch to their company. How does each company make the same claim?

Different companies are able to cherry pick for the driver that earns them a profit. An example of a profitable customer could be between 30 and 50, has no tickets, and has great credit. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save when switching.

Consumers who fall outside these standards must pay higher prices which leads to business going elsewhere. The ad wording is "people who switch" not "people who quote" save that much. That's the way insurance companies can advertise the savings. This illustrates why drivers should compare as many rates as you can. It's just too difficult to predict which car insurance company will fit your personal profile best.

Additional detailed information is available at the Oklahoma Insurance Department website. Consumers can find out which companies have the most complaints, discover disciplinary actions, and read consumer alerts.

car insurance in Salina

Affordable insurance is out there

Lower-priced car insurance can be found from both online companies and also from your neighborhood Salina agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, never skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Insureds switch companies for many reasons like questionable increases in premium, policy cancellation, an unsatisfactory settlement offer and even policy non-renewal. Whatever your reason, finding the right car insurance provider is less work than it seems.