If you want to save money, the best way to get cheaper auto insurance rates is to compare quotes annually from different companies that sell auto insurance in Oklahoma City.
- Step 1: Read and learn about coverages and the things you can change to keep rates low. Many policy risk factors that increase rates like distracted driving and poor credit history can be rectified by paying attention to minor details.
- Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while independent agencies can quote prices from many different companies.
- Step 3: Compare the new rates to the price on your current policy to determine if you can save on e-Golf insurance. If you find a better price and make a switch, ensure there is no coverage lapse between policies.
- Step 4: Give proper notification to your current agent or company to cancel the current policy. Submit the signed application along with the required initial payment to the new company. Immediately place your new proof of insurance certificate in your vehicle.
The key aspect of shopping around is to compare similar deductibles and liability limits on each quote request and and to get rate quotes from as many different insurance providers as possible. This helps ensure the most accurate price comparison and plenty of rates choose from.
We don’t have to tell you that auto insurance companies don’t want their policyholders to compare prices. Insureds who do rate comparisons are inclined to buy a new policy because there is a good chance of finding a lower-priced company. A recent survey found that consumers who compared rates annually saved $3,450 over four years compared to those who never shopped around for cheaper prices.
If finding budget-friendly rates on Volkswagen e-Golf insurance is your ultimate goal, knowing the best ways to shop for coverages can help make the process easier and more efficient.
How to compare Volkswagen e-Golf insurance price quotes in Oklahoma City, Oklahoma
When looking for cheaper Oklahoma City auto insurance quotes, there are a couple ways of comparing rate quotes from many auto insurance companies in Oklahoma. By far the easiest way to do a complete rate comparison is to get quotes online.
Comparison shopping rates online is easy and it takes the place of having to drive to different Oklahoma City agent offices. Doing it all online can eliminate the need for a local agent unless your situation requires the peace of mind of a local agency. Some companies do allow you to price shop online but have a local agent actually write the policy. When comparing auto insurance rates, know that comparing a large number of companies helps locate better pricing.
The companies shown below are our best choices to provide price quotes in Oklahoma City, OK. If multiple companies are listed, it’s a good idea that you get price quotes from several of them to get a more complete price comparison.
These discounts can lower your car insurance rates
Some providers don’t always list every available discount very well, so below is a list some of the more common as well as the least known credits available to lower your premiums when you buy Oklahoma City auto insurance online.
- Low Mileage Discounts – Fewer annual miles on your Volkswagen can qualify you for lower rates due to less chance of an accident.
- Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance.
- Responsible Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- E-sign Discounts – A few companies will discount your bill up to fifty bucks just for signing your application on their website.
- Theft Prevention System – Cars equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more on e-Golf insurance in Oklahoma City.
A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, you won’t be that lucky.
The best car insurance companies and the discounts they provide are:
- American Family may include discounts for multi-vehicle, good driver, early bird, defensive driver, and mySafetyValet.
- Farm Bureau offers premium reductions for multi-policy, multi-vehicle, safe driver, renewal discount, driver training, good student, and 55 and retired.
- State Farm policyholders can earn discounts including multiple autos, good student, student away at school, Drive Safe & Save, and passive restraint.
- Travelers may have discounts that include payment discounts, early quote, good student, multi-policy, student away at school, driver training, and IntelliDrive.
- The Hartford includes discounts for driver training, good student, vehicle fuel type, defensive driver, and bundle.
- GEICO may offer discounts for emergency military deployment, membership and employees, good student, seat belt use, anti-lock brakes, and multi-vehicle.
- Progressive discounts include multi-vehicle, continuous coverage, homeowner, online quote discount, online signing, and multi-policy.
Check with all the companies which discounts they offer. Savings may not apply to policies everywhere. If you would like to view car insurance companies that can offer you the previously mentioned discounts in Oklahoma City, follow this link.
Oklahoma City auto insurance companies ranked
Ending up with a good quality insurance company can be rather challenging considering how many choices there are in Oklahoma. The company information displayed below may help you analyze which car insurance providers you want to consider comparing rates with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Informed Drivers Can Save Money
One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that play a part in calculating your auto insurance rates. If you have a feel for what influences your rates, this helps enable you to make changes that may reward you with cheaper rates. Lots of things are used when you get a price on insurance. Most are fairly basic such as traffic violations, although others are not quite as obvious like your continuous coverage or your vehicle rating.
- Do safer cars cost less to insure? – Vehicles with good safety scores get lower rates. Safe vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company and lower rates for you. If your Volkswagen e-Golf scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
- How much liability coverage do you need? – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that you are determined to be liable for damages caused by your negligence. Your policy’s liability insurance provides legal defense which can cost a lot. This coverage is relatively inexpensive compared to physical damage coverage, so do not cut corners here.
- Cheaper premiums using alarm systems – Choosing to buy a car that has a built-in theft deterrent system can help lower your rates. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.
- The type of vehicle you drive affects your prices – The type of car, truck or SUV you are buying insurance for makes a substantial difference in your premium level. The best insurance prices are usually for lower cost passenger vehicles, but other factors influence the final cost greatly.
- Youthful drivers pay high premiums – Mature drivers are more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets. Drivers with little experience are statistically shown to be more careless in a vehicle so auto insurance rates are higher.
- Occupation and insurance rates – Occupations like military generals, airline pilots, and dentists usually pay higher premium rates due to high stress levels and lots of time spent at work. Other careers like farmers, students and retirees have lower than average premiums.