Proven Ways to Save on Tuttle Car Insurance

No one in their right mind cherishes buying car insurance, particularly when their premiums are through the roof. There are many to buy insurance from, and even though it's nice to have multiple companies, it makes it harder to compare rates.

It's important to check car insurance prices periodically due to the fact that insurance rates are constantly changing. Just because you had the lowest rates last year you will most likely find a better rate today. So forget anything you know (or think you know) about car insurance because I'm going to teach you the tricks you need to know to save money, get proper coverage and the best rates.

The purpose of this article is to familiarize you with how to get online quotes and some tips to save money. If you currently have car insurance, you will be able to lower your premiums substantially using this information. Oklahoma drivers only need an understanding of how to compare prices online.

How much can you save with discounts?

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. Most are applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit. If you're not getting every credit you qualify for, you are throwing money away.

  • Early Signing - Some companies give discounts for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Good Student - Performing well in school can save 20 to 25%. This discount can apply until age 25.
  • Save with a New Car - Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Resident Student - Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Military Rewards - Being deployed with a military unit could mean lower rates.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Homeowners Savings - Being a homeowner can save you money because owning a home is proof that your finances are in order.

It's important to understand that some credits don't apply to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like you could get a free car insurance policy, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.

Oklahoma car insurance

How much car insurance do I need?

When it comes to buying adequate coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's and your policy should reflect that. For example, these questions may help highlight if your insurance needs could use an agent's help.

  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Oklahoma?
  • Should I file a claim if it's only slightly more than my deductible?
  • Why does it cost so much to insure a teen driver in Tuttle?
  • Am I covered when pulling a rental trailer?
  • Do I need special endorsements for business use of my vehicle?

If you can't answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Oklahoma get pounded daily by advertisements for cheaper car insurance by companies like State Farm and Allstate. All the ads have a common claim of big savings if you switch to them.

How does each company claim to save you money? It's all in the numbers.

Different companies have a certain "appetite" for the type of driver that earns them a profit. For example, a preferred risk might be over the age of 40, a clean driving record, and drives newer vehicles. Any driver that hits that "sweet spot" receives the best rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will be charged higher prices and this can result in the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That is how insurance companies can confidently claim big savings.

That is why you should get quotes from several different companies. You cannot predict which company will give you the biggest savings.

Additional car insurance information can be found on the website for the Oklahoma Insurance Department found here. Visitors are able to learn about specific coverages, file complaints about a company, read enforcement actions against agents and companies, and get help finding coverage.

Oklahoma car insurance

A tidy conclusion

We just presented a lot of ways to reduce car insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Consumers could even find that the lowest premiums are with a small mutual company. Regional companies can often provide lower rates in certain areas compared to the large companies like .

Low-cost car insurance is available both online and with local Tuttle insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits only to regret that it was a big mistake. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.