The preferred way to get low-cost auto insurance rates in Oklahoma City is to start comparing prices regularly from insurance carriers who can sell car insurance in Oklahoma. Rate comparisons can be done by following these steps.
Step 1: Try to comprehend how companies price auto insurance and the things you can control to drop your rates. Many rating factors that cause rate increases such as speeding tickets, accidents and a substandard credit history can be remedied by making minor driving habit or lifestyle changes.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can quote prices from multiple companies. Start a quote
Step 3: Compare the new quotes to your current policy premium and determine if there is any savings. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.
A good piece of advice is to use the same coverage limits and deductibles on each price quote and and to get prices from as many different companies as possible. This enables an apples-to-apples comparison and maximum price selection.
Amazingly, the vast majority of consumers kept their coverage with the same insurance company for at least four years, and almost half have never shopped around. Oklahoma City drivers could save an average of roughly 35% each year, but they don’t know the benefits if they just switched companies.
All major car insurance companies such as State Farm, GEICO and Progressive allow you to get pricing direct online. Doing online price comparisons for Hyundai Accent insurance in Oklahoma City doesn’t take much effort as you simply type in your required coverages as detailed in the form. Once entered, the system collects information on your driving record and credit history and provides a quote.
Using the web to get price quotes for Hyundai Accent insurance in Oklahoma City makes it simple to compare prices and it’s absolutely necessary to perform this step if you are searching for the cheapest possible prices on car insurance.
To save time and fill out one form to compare multiple rates now, compare quotes from the companies shown below. If you have a policy now, it’s recommended you replicate the coverage information identical to your current policy. This way, you’re receiving a fair comparison for exact coverage.
The companies in the list below are our best choices to provide comparison quotes in Oklahoma. If the list has multiple companies, we recommend you compare several of them to get the most competitive price.
Coverage statistics and figures
The data table shown below highlights a range of rate quotes for Hyundai Accent models. Learning as much as possible about how insurance quotes are determined can be valuable when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $246 | $562 | $400 | $24 | $120 | $1,352 | $113 |
| Accent GS 2-Dr Hatchback | $290 | $684 | $400 | $24 | $120 | $1,518 | $127 |
| Accent GLS 4-Dr Sedan | $290 | $804 | $532 | $32 | $160 | $1,818 | $152 |
| Accent SE 2-Dr Hatchback | $332 | $926 | $400 | $24 | $120 | $1,802 | $150 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific Oklahoma City garaging location which can revise prices greatly.
Physical damage deductible comparison
When comparing auto insurance rates, the most common question is where to set your physical damage deductibles. The following tables may help to illustrate the rate differences between low and high policy deductibles. The first set of prices uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $258 | $480 | $382 | $22 | $114 | $1,281 | $107 |
| Accent GS 2-Dr Hatchback | $302 | $584 | $382 | $22 | $114 | $1,429 | $119 |
| Accent GLS 4-Dr Sedan | $302 | $688 | $506 | $30 | $152 | $1,703 | $142 |
| Accent SE 2-Dr Hatchback | $346 | $792 | $382 | $22 | $114 | $1,681 | $140 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $158 | $302 | $382 | $22 | $114 | $978 | $82 |
| Accent GS 2-Dr Hatchback | $186 | $368 | $382 | $22 | $114 | $1,072 | $89 |
| Accent GLS 4-Dr Sedan | $186 | $432 | $506 | $30 | $152 | $1,306 | $109 |
| Accent SE 2-Dr Hatchback | $214 | $498 | $382 | $22 | $114 | $1,230 | $103 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in garaging location in Oklahoma City which can affect coverage prices considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $31 more each month or $372 every year averaged for all Accent models than requesting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 24 months between claim filings, you would save money by selecting a higher deductible.
The example below shows how choosing a deductible and can raise or lower Hyundai Accent annual premium costs for each different age group. The price estimates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
Full coverage or liability only
The illustration below illustrates the difference between Hyundai Accent insurance rates with full physical damage coverage compared to only buying liability only. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.
When to drop comp and collision
There is no written rule to exclude full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Hyundai Accent replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after paying your policy deductible. If it’s costing you more than $600 annually for physical damage coverage, then it may be the right time to buy liability only.
There are a few cases where only buying liability is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not drop full coverage.
Get cheaper Hyundai Accent insurance rates in Oklahoma City
Buying car insurance is not cheap, but you might already qualify for some discounts to help offset the cost. A few discounts will automatically apply at quote time, but a few must be specially asked for before you get the savings. If you don’t get every credit available, you could be paying more than you need to.
- Homeowners Savings – Owning a house in Oklahoma City can get you a discount since owning and maintaining a home requires personal responsibility.
- Switch and Save Discount – A few larger companies offer discounts for signing up prior to your current Accent insurance policy expiring. You could save around 10% when you buy Oklahoma City auto insurance online.
- First Accident Forgiveness – This one is not really a discount per se, but some companies like Allstate and GEICO will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free prior to the accident.
- Drive Less and Save – Keeping the miles down on your Hyundai may enable drivers to earn lower car insurance rates due to less chance of an accident.
- Memberships – Participating in a professional or civic organization is a good way to get lower rates on your bill.
- Discount for Good Grades – A discount for being a good student may save as much as 25% on a Oklahoma City auto insurance quote. Many companies even apply the discount to college students up until you turn 25.
- Safe Driver Discount – Drivers who avoid accidents can save as much as half off their rates than drivers with accidents.
- Senior Citizens – Older drivers can get a discount up to 10%.
One thing to note about discounts is that most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, that’s just not realistic.
The illustration below illustrates the difference between Hyundai Accent insurance costs with and without some available policy discounts. The prices are based on a female driver, no violations or accidents, Oklahoma state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, multi-policy, and marriage discounts applied.
Companies who might offer some of the discounts shown above include:
When comparing rates, check with all companies you are considering to apply every possible discount. A few discounts might not be offered on policies in Oklahoma City. To see companies who offer free Hyundai Accent insurance quotes in Oklahoma, click here to view.
Protect more than your Hyundai Accent
Despite the fact that car insurance is not cheap in Oklahoma City, paying for car insurance may not be optional for several reasons.
- Most states have mandatory liability insurance requirements which means the state requires specific limits of liability insurance coverage if you drive a vehicle. 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 Accent, more than likely the lender will have a requirement that you buy insurance to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Hyundai at a much higher rate and force you to pay the higher price.
- Insurance safeguards not only your car but also your assets. Insurance will pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage also covers legal expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance outweigh the cost, particularly if you ever have a claim. Unknowingly, the average driver is overpaying more than $869 every year so compare rate quotes at every policy renewal to ensure rates are competitive.
What is the best car insurance company in Oklahoma City?
Finding a good quality insurance company can be challenging considering how many different companies insure vehicles in Oklahoma. The company rank data in the next section can help you pick which car insurance companies you want to consider purchasing coverage from.
Top 10 Oklahoma City Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Oklahoma City Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Compare rate quotes but still have a local neighborhood Oklahoma City car insurance agent
A lot of people prefer to visit with an insurance agent and that is recommended in a lot of cases One of the benefits of comparing rates online is that drivers can save money and get cheap insurance rates and still choose a local agent.
To help locate an agent, after submitting this form (opens in new window), the quote information is emailed to participating agents in Oklahoma City who can give free rate quotes to get your business. It makes it easy because there is no need to even leave your home because quoted prices will be sent instantly to you. You can get cheaper insurance rates AND a local agent. If you need to get a price quote from a specific company, you can always go to their quote page and submit a quote form there.
Finding the right provider requires more thought than just a low price. Any agent in Oklahoma City should have no problem answering these questions:
- What insurance companies do they recommend if they are an independent agent?
- Do they feel the quoted coverages are adequate?
- Is assistance available after office hours?
- What insurance companies do they work with in Oklahoma City?
- Is there a local claims center in Oklahoma City?
- Do they prorate repair cost based on vehicle mileage?
- Do they have any clout with companies to ensure a fair claim settlement?
If you’re trying to find a reliable insurance agency, you must know there are a couple types of insurance agents and how they operate. Insurance policy providers can be classified as either independent or exclusive.
Exclusive Insurance Agents
Agents that elect to be exclusive write business for a single company like Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so you might not find the best rates. Exclusive agencies receive a lot of sales training on the products they sell and that allows them to sell at a higher price point. Many people buy from the same agent for years partially due to loyalty to the company rather than low price.
The following are Oklahoma City exclusive insurance agencies who can help you get comparison quotes.
- Mike Earles – State Farm Insurance Agent
12220 S Western Ave – Oklahoma City, OK 73170 – (405) 691-1115 – View Map - Marcia Corcoran – State Farm Insurance Agent
3135 NW 63rd St b – Oklahoma City, OK 73116 – (405) 848-8878 – View Map - David Hoffhines – State Farm Insurance Agent
6444 Northwest Expy #450 – Oklahoma City, OK 73132 – (405) 787-1111 – View Map
Independent Insurance Agents
Agents in the independent channel are not employed by one company and that enables them to quote your coverage through many different insurance companies and get you the best rates possible. If premiums increase, they simply move your policy to a different company and you don’t have to do anything.
If you need cheaper insurance rates, we recommend you compare prices from at a minimum one independent agency to get the most accurate price comparison. Many can place coverage with companies you’ve never heard of which can save you money.
Listed below are independent agents in Oklahoma City willing to provide price quotes.
- Econo-Wise Insurance Agency, Inc.
2705 SW 29th St – Oklahoma City, OK 73119 – (405) 682-6699 – View Map - State Auto Insurance Agency Inc
4717 S Western Ave – Oklahoma City, OK 73109 – (405) 631-5575 – View Map - Premier Insurance
3232 W Britton Rd # 150 – Oklahoma City, OK 73120 – (405) 285-4040 – View Map
If you get positive responses to these questions and a low price estimate, it’s a good possibility that you have found an insurance agency that meets your needs to provide insurance coverage.