How long has it been since you shopped around for low-cost Mercury Sable insurance in Oklahoma City? Did a good deal turn out to be an overpriced insurance policy? It’s a common feeling and there are many people just like you.
Amazingly, the vast majority of consumers have stayed with the same insurance company for over three years, and nearly the majority have never taken the time to shop around. With the average premium in Oklahoma being $1,780, drivers could save themselves approximately 35% a year, but they underestimate how much money they would save if they switch to a new company.
Steps to finding cheaper quotes for Mercury Sable insurance in Oklahoma City
If your goal is the lowest price, then the best way to get the cheapest auto insurance rates is to make a habit of comparing prices annually from companies in Oklahoma City. This can be done by following these guidelines.
- Gain an understanding of how auto insurance works and the things you can control to prevent high rates. Many things that increase rates such as accidents, traffic tickets, and bad credit can be remedied by improving your driving habits or financial responsibility.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple sources. Begin your rate comparison
- Compare the new rate quotes to your existing rates and determine if cheaper Sable coverage is available. If you find a better price, ensure there is no coverage lapse between policies.
- Provide notification to your current company of your decision to cancel your existing policy and submit any necessary down payment along with the completed application to the new insurer. Immediately upon receiving it, keep your new proof of insurance certificate in an accessible location in your vehicle.
The key thing to remember is to use the same liability limits and deductibles on every price quote and and to get rates from all possible companies. This ensures an accurate price comparison and the best price selection.
There are many insurance companies to purchase coverage from, and even though it’s nice to have a selection, it makes it harder to compare rates for Mercury Sable insurance in Oklahoma City.
This article’s goal is to tell you the best way to buy inexpensive car insurance. If you are insured now, you stand a good chance to be able to find the best rates using the following tips. Comparison shoppers just need to know the best way to compare insurance rates online.
Getting cheap Mercury Sable auto insurance pricing is surprisingly easy. Drivers just need to invest a little time comparing rate quotes from different insurance companies.
Comparing rate quotes online is fast and free, and it replaces the need to physically go to local Oklahoma City insurance agencies. Shopping for auto insurance online eliminates the middleman unless you require the guidance only provided by licensed Oklahoma City agents. Drivers can comparison shop your insurance online but buy from a local insurance agent.
The car insurance companies shown below provide free quotes in Oklahoma City, OK. If multiple companies are listed, we suggest you get rate quotes from several of them in order to find the cheapest rates.
Do I just need basic coverages?
Always keep in mind that when comparing coverage online or from an agent for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.
For example, these questions can aid in determining if your insurance needs could use an agent’s help.
- How much underlying liability do I need for an umbrella policy?
- Does coverage extend to a rental car in a foreign country?
- Who is covered when they drive my Mercury Sable?
- How can I force my company to pay a claim?
- When would I need rental car insurance?
- Should I buy more coverage than the required Oklahoma minimum liability coverage?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.
When to contact an insurance agent
A small number of people just prefer to have an agent’s advice and doing that can be a smart decision Insurance agents can help you build your policy and help submit paperwork. A good thing about comparing insurance online is the fact that you can find lower rates and still buy from a local agent. Supporting local agents is important especially in Oklahoma City.
After completing this short form, the coverage information is emailed to insurance agents in Oklahoma City that give free quotes for your business. It’s much easier because you don’t need to contact any agents as quotes are delivered to your email. In the event you want to get a comparison quote from one company in particular, you just need to jump over to their website and submit a quote form there.
If you want to buy insurance from a reliable insurance agent, there are two different types of agents and how they can service your needs differently. Insurance agents can either be independent agents or exclusive agents depending on their employer. Both can properly insure your vehicles, but we need to point out the difference between them because it can factor into the selection process.
Independent Agencies or Brokers
Agents that elect to be independent do not work for one specific company and that gives them the ability to insure with many different companies and find you cheaper rates. If they quote lower rates, they can switch companies in-house which requires no work on your part. When comparing insurance rates, we recommend you check rates from at a minimum one independent agency in order to compare the most rates.
The following are Oklahoma City independent insurance agencies that may be able to give you free price quotes.
Econo-Wise Insurance Agency, Inc.
2705 SW 29th St – Oklahoma City, OK 73119 – (405) 682-6699 – View Map
Knight’s Insurance Agency
3825 NW 23rd St – Oklahoma City, OK 73107 – (405) 946-0111 – View Map
One General Agency
817 NE 63rd St – Oklahoma City, OK 73105 – (405) 840-9393 – View Map
Exclusive Agents
These agents can only quote rates from one company and some examples include American Family, State Farm, and Allstate. They generally cannot provide other company’s prices so always compare other rates. They are well schooled on the products they sell which can be an advantage.
The following is a list of exclusive insurance agencies in Oklahoma City who can help you get price quote information.
Ed Dater – State Farm Insurance Agent
6700 S Western Ave – Oklahoma City, OK 73139 – (405) 634-0504 – View Map
Farmers Insurance: Todd Jackson
5909 Northwest Expy #105 – Oklahoma City, OK 73132 – (405) 722-5858 – View Map
Jerry Black – State Farm Insurance Agent
12325 N May Ave #117 – Oklahoma City, OK 73120 – (405) 751-1860 – View Map
Picking an car insurance agent requires you to look at more than just a cheap price quote. You should also get answers to these questions.
- Will they make sure you get an adequate claim settlement?
- When do they do a full risk review?
- Will high miles depreciate repair valuations?
- Are claim adjusters local or do you have to take your car somewhere else?
- How many years of experience in personal auto insurance do they have?