Find Cheap Wetumka Car Insurance

Buying affordable Wetumka car insurance on the internet is challenging for beginners to online price comaprisons. With dozens of choices, how can consumers even start to compare every one to find the lowest rates?

Which Car Insurance is Cheapest in Wetumka, Oklahoma?

There are several ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You could spend your day talking to insurance agencies in Wetumka, or you can utilize the web to get prices fast.

All the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and each participating company provides a quote based on that data. This eliminates the need for quote forms to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The one downside to doing it this way is you are unable to specify which companies to get quotes from. So if you want to choose specific providers to compare rates, we put together a list of low cost car insurance companies in Oklahoma. Click here for list of insurance companies in Oklahoma.

Which method you use is up to you, but ensure you are comparing identical coverage limits and deductibles for each price quote. If you have different liability limits it will be next to impossible to truly determine the lowest rate in Wetumka.

compare Wetumka car insurance rates

Understand what determines the rate you pay

It's important that you understand some of the elements that go into determining the rates you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that will entitle you to lower car insurance prices.

Listed below are a few of the "ingredients" that factor into prices.

  • Theft deterrents lower rates - Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Battle of the sexes - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. Women and men have accidents in similar percentages, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Clean credit earns discounts - Having a bad credit score is a large factor in determining what you pay for car insurance. If your credit score is lower than you'd like, you could be paying less to insure your by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit.
  • Big city or small town - Residing in a rural area can save you money when talking about car insurance. City drivers have to deal with traffic congestion and much longer commute distances. Fewer drivers means reduced accidents.
  • Your job and insurance rates - Did you know your occupation can influence how much you pay for car insurance? Careers like lawyers, architects and financial analysts are shown to have higher average rates attributed to high stress levels and lengthy work days. Conversely, occupations like pilots, engineers and homemakers pay the least.
  • Bad driving skills means higher rates - Drivers with clean records receive lower rates than bad drivers. Just one moving violation may increase your cost by as much as thirty percent. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.

Be sure to get all your discounts

Insuring your fleet can be pricey, but companies offer discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you get a quote, but a few need to be asked for before you will receive the discount. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Payment Discounts - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Accident Waiver - Certain companies permit an accident without raising rates if your claims history is clear prior to the accident.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Senior Citizens - Older drivers may qualify for a discount up to 10%.
  • Government Employees - Simply working for the federal government can save as much as 8% with a few car insurance companies.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

For a list of insurance companies offering car insurance discounts in Oklahoma, follow this link.

Additional information can be found on the Oklahoma Insurance Department website through this link. Visitors are able to view a list of available companies, learn about insurance regulations, and find out industry alerts.

Other useful links include this site for car insurance rates in Oklahoma and this list of insurance agents in Wetumka, OK.

A tidy conclusion

Consumers switch companies for many reasons like unfair underwriting practices, denial of a claim, policy cancellation and delays in paying claims. Regardless of your reason, finding the right car insurance provider is not as hard as you think.

Cheap car insurance can be found both online in addition to many Wetumka insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not provide online quoting and these regional insurance providers work with independent agents.

When trying to cut insurance costs, make sure you don't reduce needed coverages to save money. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.