Woodward Auto Insurance For Less Than You're Paying Now
Are you intimidated by the number of auto insurance companies in Woodward? Many other drivers are as well. You have so many options that it can turn into a lot of work to find the best price.
Don't pay full price with these discounts
Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. Some trigger automatically at the time you complete a quote, but some must be requested specifically prior to getting the savings.
- Clubs and Organizations - Participating in a civic or occupational organization may earn a discount when buying auto insurance.
- Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
- Fewer Miles Equal More Savings - Keeping the miles down can qualify you for a substantially lower rate.
- Federal Government Employee - Active or retired federal employment may qualify you for a discount depending on your company.
- Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
- Student in College - Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.
As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will reduce your premiums.
The auto insurance bait and switch
Allstate, GEICO and Progressive regularly use ads in print and on television. All the companies have a common claim about savings if you move your policy. How can each company make almost identical claims?
All the different companies are able to cherry pick for the right customer that earns them a profit. An example of a profitable customer could possibly be between 25 and 40, has no driving citations, and has a high credit rating. A driver that hits that "sweet spot" will qualify for the lowest rates and therefore will save when they switch companies.
Potential customers who don't measure up to the requirements must pay a more expensive rate and this can result in the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everyone that quotes" save that kind of money. That's the way companies can truthfully state the savings.
This illustrates why you should compare many company's rates. It is impossible to predict which auto insurance company will have the lowest rates.
Learn more about Oklahoma auto insurance
Additional information is available on the Oklahoma Insurance Department website located here. Oklahoma consumers can find out which companies have the most complaints, download brochures, and find disaster information.
Shop smart and save
Cheap auto insurance is possible online in addition to many Woodward insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
Drivers who switch companies do it for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, delays in responding to claim requests and even high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is less work than it seems.
As you restructure your insurance plan, it's not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability limits or collision coverage only to find out that they should have had better coverage. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
