7 Discounts Sperry Drivers Forget when Quoting Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are many people just like you.

There is such a variety of to pick from, and although it's nice to have a choice, so many choices can make it hard to compare rates.

It's important to get comparison quotes at least once a year since rates are constantly changing. If you had the best rates last year you may be paying too much now. Don't believe everything you read about car insurance online, so we're going to give you some great ways to slash your car insurance rates.

Locating affordable car insurance coverage in Sperry can be fairly easy. In a nutshell, every driver who is required by state law to have car insurance stands a good chance to be able to save money. But Oklahoma car owners do need to know how insurance companies determine prices.

Quick Sperry Car Insurance Quotes

Shopping for lower car insurance rates is a ton of work if you don't know the most efficient way. You could spend your day talking about coverages with local insurance agents in Sperry, or you could save time and use the web to get prices fast.

All the larger companies participate in a marketplace that allows shoppers to submit one quote, and each company can provide price quotes based on that data. This eliminates the need for quote requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one disadvantage to pricing coverage this way is you don't know exactly which companies you will receive quotes from. So if you want to select specific insurance companies to receive pricing from, we have a page of car insurance companies in Oklahoma. View list of Oklahoma insurance companies.

Whichever way you use, compare identical deductibles and coverage limits with every price quote. If you have different values for each quote it's not possible to find the best deal in Sperry. Just a small difference in insurance coverages could mean much higher rates. Just keep in mind that having more price comparisons helps you find better pricing.

Oklahoma car insurance

How much can you save with these seven discounts?

Car insurance can cost a lot, but companies offer discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be asked for prior to getting the savings.

  • Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Low Mileage - Keeping the miles down could qualify for lower rates on the low mileage vehicles.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Multi-policy Discount - When you have multiple policies with one company you may save approximately 10% to 15%.
  • Use Seat Belts - Buckling up and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • No Charge for an Accident - Certain companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.

Consumers should know that most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will bring down the amount you have to pay.

For a list of providers with the best car insurance discounts in Oklahoma, follow this link.

Much more information about car insurance in Oklahoma can be read on the website for the Oklahoma Insurance Department located here. Consumers can file complaints about a company, find disaster information, view a list of available companies, and view agent and company licensing information.

Other useful links include NAIC.org's Understanding your Policy and this directory of Sperry insurance agents.

car insurance in Sperry

Shop smart and save

You just learned many ways to lower your car insurance rates. The key concept to understand is the more you quote, the better your comparison will be. Consumers could even find that the biggest savings come from the least-expected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like .

Discount car insurance is possible from both online companies in addition to many Sperry insurance agents, and you should be comparing both to have the best rate selection. A few companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.