How Much are Car Insurance Quotes for Active Military in Oklahoma?

The words “low-priced” and “auto insurance” probably shouldn’t be used in the same sentence, especially when searching for the best car insurance for active military. Because it’s so expensive, let’s lead off by showing you some things that can significantly affect auto insurance rates, and come up with some ways to reduce the cost of the next policy you buy.

One of the more important considerations used to establish the price of your policy is where your car is garaged in Oklahoma. Areas that are densely populated or have higher claim frequency like Broken Arrow, Bixby, and Sand Springs will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The table below shows the highest-priced places in Oklahoma for active military to buy auto insurance in.

Information shown are approximated as the specific area where the vehicle is garaged can increase or decrease premiums greatly.

The vehicle on the policy is one of the primary factors when comparing low-priced coverage for active military. Vehicles with high performance engines, a lack of safety features, or a history of substantial liability claims will cost significantly more to insure than more modest models.

The information below features car insurance prices for some of the most affordable vehicles to insure in Oklahoma.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Estimates do not factor in Oklahoma location which can lower or raise rates significantly.

By looking at the data, makes and models like the Ford Escape, Subaru Forester, Jeep Wrangler, Dodge Grand Caravan, and Chevrolet Equinox are likely to be the less-costly vehicles to insure for military personnel.

Insuring your vehicle with the right insurer is hard considering how many different companies there are to choose from in Oklahoma. The rank data shown next may help you pick which companies you want to consider comparing rates from.

These rankings include the largest companies in the United States, so companies that focus mainly on Oklahoma business are not taken into consideration for these rankings. To get price quotes and find the cheapest rates for active military, click here.

Top 10 Large Auto Insurance Providers in Oklahoma Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. The Hartford

Top 10 Large Auto Insurance Providers in Oklahoma Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. Travelers – 88%

Auto insurance rates are higher with tickets and accidents

In a perfect world, the ideal way to get good auto insurance rates in Oklahoma for military personnel is to be an attentive driver and avoid at-fault accidents and violations. The chart below shows how violations and accidents can increase premium costs for each age group. The data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

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The data above shows the average cost of auto insurance per year with no violations or accidents is $2,122. Add in two speeding tickets and the average cost increases to $2,918, an increase of $797 each year. Then add in one accident along with the two speeding tickets and the yearly cost of auto insurance for active military increases to an average of $3,742. That’s an increase of $1,621, or $135 per month, just for not being more responsible behind the wheel!

Find cheap car insurance for active military in Oklahoma

It’s not impossible to find cheaper rates, and here are many money-saving suggestions that can help Oklahoma drivers buy the cheapest coverage.

• Avoid speeding and other traffic citations and pay less
• The safer your car, the less it costs to insure
• Good credit can help you save money
• Higher deductibles mean lower rates
• Older vehicles may not need full coverage
• Maintain a safe distance and avoid accidents
• Look for cheaper rates once a year by shopping around

The final tip is certainly significant, as was discussed in this write-up. Prices charged by car insurance companies in Oklahoma fluctuate considerably, so don’t be hesitant to change insurance companies if a more affordable price is available. Having a favorite company is fine, but it’s not a great idea if your bullheadedness ends up costing you potentially thousands of dollars a year. Spend a few minutes and shop around and find cheaper insurance for active military.

Cheapest insurance quotes for military personnel

There are quite a few ways to get affordable auto insurance quotes in Oklahoma, but the most frequently used are either through an independent or non-exclusive agent, a captive (or exclusive) agent such as State Farm or Liberty Mutual, or from a direct company like Progressive or Geico.

They all have the same basic principle, but it’s important to understand the differences in how they work.

Independent insurance agents work for many companies and can get rate quotes from every one. Independent agents can sell policies from many different companies and can quote rates with many companies, which may give you better odds of saving money. If cheaper coverage is found, they can switch companies in-house and the insured can keep the same agent.

An exclusive agent is ‘exlusive’ to a single insurance company, two popular examples being an Auto-Owners or Allstate agent. This type of agents cannot provide a range of price quotes, so if rates are not competitive, they cannot shop around.

The third popular method of shopping for auto insurance is direct, which means you do not use an independent or exclusive agent and instead buy direct online or over the phone from a company like Esurance or Geico. Shopping direct can be good for consumers who do not need high levels of coverage and have a decent understanding of how auto insurance works.

So which of the methods works best for finding cheap car insurance for active military in Oklahoma? The majority of auto insurance shoppers assume that shopping direct yields the cheapest rates because there isn’t an agent involved, but in reality, that argument does not hold true. And we’d like to say buying from an independent agent results in the cheapest rates since there are more companies to choose from, but that idea is not necessarily true either. For the right applicant, exclusive agencies have coverage prices that are well below what direct and independents offer.

Because it’s impossible to say who has the best auto insurance rates, the best method to make sure you’re not overpaying for auto insurance is to get quotes and compare the rates. If time allows, get prices from all three to get a good idea who is cheapest. For a list of companies offering online discounts in Oklahoma, click here to view.