Free Guide to Cutting Costs on Vian Auto Insurance Online

I can't think of anyone who looks forward to buying auto insurance, in particular when they are paying too much. You have so many to buy insurance from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates.

It's important to price shop coverage periodically because prices are constantly changing. If you had the lowest price a few years ago a different company probably has better rates today. There is too much inaccurate information about auto insurance online but we're going to give you some great ways to find cheap auto insurance.

These discounts can lower your rates

Auto insurance companies don't list every available discount very clearly, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If you're not getting every credit you qualify for, you are throwing money away.

Sign Early and Save - Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.
Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
Clubs and Organizations - Participating in a qualifying organization is a good way to get lower rates on your policy.
Military Discounts - Being on active duty in the military can result in better rates.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, auto insurance companies aren't that generous.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that can help you get lower auto insurance prices.

The list below includes a partial list of the pieces that factor into your rates.

High performance equals high price - The type of vehicle you drive makes a substantial difference in how high your rates are. The cheapest insurance rates are generally reserved for economy passenger cars, but there are many factors that impact the final cost.
Better credit scores mean better rates - Your credit rating is a huge factor in determining your rates. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower ratings. If your credit history can use some improvement, you could potentially save money when insuring your by spending a little time repairing your credit.
Theft deterrents lower rates - Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
Older drivers pay less - Teen drivers in Oklahoma tend to be less responsible behind the wheel so they pay higher auto insurance rates. If you've ever had to add a teen driver onto your auto insurance can break the bank. Older drivers tend to be more responsible, tend to file fewer claims and get fewer tickets.

Different people need different coverages

When it comes to buying the best auto insurance coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's situation is unique so your insurance should reflect that For instance, these questions may help highlight whether you might need an agent's assistance.

Does my car insurance cover rental cars?
Should I drop comprehensive coverage on older vehicles?
What can I do if my company won't pay a claim?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I getting all the discounts available?
Am I covered when pulling a rental trailer?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and may give you better protection.

Are you falling for claims of savings?

Oklahoma consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm and Allstate. All the ads make an identical promise about savings if you move your policy.

How does each company make almost identical claims? This is how they do it.

All companies have a certain "appetite" for the right customer that earns them a profit. For instance, a preferred risk could possibly be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably save when switching.

Drivers who are not a match for these standards will be charged higher premiums and ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "everybody who quotes" save that kind of money. That is how companies can truthfully advertise the way they do. That is why drivers should quote coverage with many companies. It's impossible to know which company will provide you with the cheapest rates.

Additional Oklahoma consumer information

Even more information is located at the Oklahoma Insurance Department website. Oklahoma consumers can learn about specific coverages, find out industry alerts, view a list of available companies, and read enforcement actions against agents and companies.

Best coverage at the best price

You just read many tips how you can reduce auto insurance prices online. The key concept to understand is the more you quote, the higher the chance of saving money. Drivers may discover the lowest rates come from a smaller regional carrier. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as .

Cheap auto insurance is possible online in addition to many Vian insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.