Would you like an easy way to compare more affordable Chevy SS insurance in Oklahoma City? Feel like you have overpriced Chevy SS insurance in Oklahoma City? Believe me when I say there are lots of Oklahoma City residents who feel the same.
Anyone knows that insurance companies don’t want you to compare rates. Insureds who shop around will probably buy a different policy because they have good chances of finding good coverage at a lower price. Surprisingly, a recent survey revealed that drivers who regularly compared rates saved over $860 a year compared to other drivers who never shopped around.
If finding the best rates on Chevy SS insurance in Oklahoma City is your objective, knowing the best way to shop and compare insurance can make it easier to shop your coverage around.
Steps to finding the cheapest rates for Chevy SS insurance in Oklahoma City
The easiest way to get the cheapest Chevy SS insurance is to begin comparing prices regularly from different companies in Oklahoma City. You can compare rates by following these guidelines.
First, take a little time to learn about the coverage provided by your policy and the modifications you can make to keep rates low. Many policy risk factors that increase rates like at-fault accidents and poor credit rating can be improved by making minor changes to your lifestyle. Keep reading for additional tips to get lower rates and find possible discounts that are available.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can quote rates for a wide range of insurance providers.
Third, compare the quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save some money, make sure there is no lapse in coverage.
A good tip to remember is to make sure you’re comparing similar coverage information on each quote request and to quote with as many companies as possible. Doing this guarantees a level playing field and the best rate selection.
Companies like State Farm, GEICO and Farmers Insurance constantly bombard you with fancy advertisements and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.
If you already have coverage, you will definitely be able to reduce the price you pay using the ideas covered in this article. Buying affordable auto insurance in Oklahoma City can be much easier if you know how to start. Although Oklahoma consumers can benefit by having an understanding of the methods companies use to sell online and use it to find better rates.
The best way to compare insurance rates from multiple companies is to know the fact car insurance companies participate in a system to provide you with a free rate quote. To get started, all you need to do is provide a small amount of information like what you do for a living, how much education you have, daily mileage, and if the car is leased. Your insurance information is instantly sent to insurance carriers in your area and you receive quotes within a short period of time.
To find the cheapest Chevy SS insurance rates, click here and see if a lower rate is available in Oklahoma City.
The providers in the list below can provide quotes in Oklahoma. If multiple providers are shown, we suggest you visit several of them to get a more complete price comparison.
Quote Chevy SS Insurance at a Discount
Lots of factors are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving record, although some other factors are more transparent such as your marital status or how financially stable you are.
More stress means more cost – Jobs like fire fighters, social workers, and stock brokers are shown to have the highest rates in part from job stress and long work days. Conversely, professions such as farmers, students and homemakers pay the least.
Cheaper prices with safer cars – Safer cars can get you lower premiums. Highly rated vehicles help reduce the chance of injuries in an accident and lower injury rates means lower claim amounts and more competitive rates for policyholders.
Don’t abuse insurance claims – If you tend to file frequent claims, you should expect either a policy non-renewal or much higher rates. Insurance companies in Oklahoma provide the best rates to drivers who file claims infrequently. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
Save money with good credit – Your credit history is a big factor in calculating your premium rate. Drivers who have high credit scores tend to be less risk to insure than drivers with lower credit scores. So if your credit history leaves room for improvement, you could be paying less to insure your Chevrolet SS by improving your credit score.
Add-on coverages you don’t need – Insurance policies have a lot of add-on coverages that sound like a good idea at the time when buying car insurance. Things like replacement cost coverage, high-cost glass coverage, and additional equipment coverage are examples of these. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
Use one insurance company and save – Most major companies give better rates to clients who consolidate policies with them in the form of a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to compare other Oklahoma City SS insurance rates to ensure the best deal.There is a good possibility that you can save even more by buying from different companies
Vehicle risk influences premiums – The performance of the vehicle you need insurance for makes a huge difference in your car insurance bill. The best insurance prices will generally be found on lower performance four cylinder passenger cars, but that’s not the only thing that factors into the final price.
Where you live is a factor – Living in less populated areas of the country is a good thing when trying to find low car insurance rates. Less people translates into fewer accidents and also fewer theft and vandalism claims. People who live in big cities have to deal with more auto accidents and a longer drive to work. Higher commute times means a statistically higher chance of an accident.
Insurance losses for a Chevy SS – Insurance companies factor in historical loss data to help calculate premium rates. Vehicles that the statistics show to have higher prevalence or dollar amount of losses will have higher premium rates. The table shown below demonstrates the historical insurance loss data for Chevy SS vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, as a total average, is represented as 100. Percentages below 100 are indicative of better than average losses, while values that are 100 or greater indicate a higher chance of having a claim or tendency to have larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet SS | 142 | 75 | 137 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Car insurance does more than just protect your car
Despite the high cost, car insurance may not be optional for several reasons.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to drive the car. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your SS, it’s guaranteed your bank will force you to have physical damage coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank may insure your Chevy at a significantly higher premium and make you pay the higher premium.
- Car insurance protects your car and your assets. It will also pay for medical bills for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers legal expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your SS are definitely more than the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is overpaying more than $865 each year so it’s recommended you shop around every year to make sure the price is not too high.
Which auto insurance company is best in Oklahoma City?
Buying coverage from a highly-rated insurance provider can be a challenge considering how many companies sell insurance in Oklahoma. The rank data in the next section can help you pick which auto insurance companies you want to consider when comparing rates.
Top 10 Oklahoma City Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive