Cheap Car Insurance
Finding you cheap auto insurance is one of our top goals here at Cheapest Auto Insurance. Car insurance can be expensive and we can help you get the maximum number of discounts to lower your monthly car insurance payments. We represent numerous insurance companies which helps us to find you affordable car insurance almost every time. Regardless of your driving record or insurance history we can help you on your insurance needs. Here are some discounts we offer to help you get on your way to affordable car insurance:
One important thing for the consumer to remember is to always ask the insurance company you are with for the maximum number of discounts. Not all insurance companies will offer you all the discounts you deserve on the initial insurance quote. Some auto insurance companies objective is to collect as much money as possible but not here at Cheapest Auto Insurance we strive to reward all our customers with the lowest auto insurance quotes possible every time.
How to get a cheap auto insurance quote?
If you are just wanting cheap auto insurance then the best way to do that is to request the state minimum liability limits with no extra coverages. In Oklahoma you would request 25/50/25 and in Texas it is 30/60/25. This is the amount of coverage to just keep you legal, but it does give you the cheapest possible quote. One thing people do if they are in a current money crunch but need more coverage is, they start with the basic liability and when they can afford it, they add on the extra coverages they need when money is not so tight. Be careful when doing online auto insurance quote comparisons because all the discounts the insurance company offers may not be offered online. Speaking with a licensed agent may allow you to get more discounts than you could online doing it yourself.
Be sure to shop auto insurance quotes frequently at least once or twice a year. The best time to shop is at your upcoming renewals which happen every 6 months. This allows you to activate your 6 months prior insurance discount and after 2 terms you can get the 12 months prior insurance discount. This can save you up to 10% on your auto insurance rates. Another good time to get a cheap auto insurance quote is when a ticket or accident falls off your driving record. Most insurance companies charge for a violation for up to 3 years, after that it should not be charged for anymore. Once your tickets and accidents reach the 3-year mark you can save up to 15% with a safe driver or claims free discount.
Some of your more preferred national insurance companies offer discounts for job title and education levels. Most of you nonstandard companies will not offer this. Progressive and Liberty Mutual are 2 companies off hand that do offer this discount. Every company is different on what discounts they offer which is why it is important to know what each auto insurance companies can offer you as far as discounts are concerned. Another discount that a lot of the bigger companies offer is for a good credit score. Many consumers have a hard time understanding why their credit affects their monthly auto insurance rates, and that’s a good question. Here is what we have found, many insurance companies have found that if a customer has a good credit score then that makes them more responsible in every area of life including the way they drive. It is definitely a debatable issue but insurance companies don’t go by opinion but by hard data. The more responsible a driver is the less likely they are to have a claim which is at the end of the day what the insurance companies are worried about.
Thankfully here at Cheapest Auto Insurance we have auto insurance companies that specialize in customers that have good credit and bad credit. So, no matter your situation we can help you get that cheap auto insurance you are searching for.
Keeping a clean driving record is a crucial component to getting a cheap auto insurance rate. Auto Insurance companies charge up to 4 points for one at fault accident, which can be up to a 30% surcharge on your monthly payments. You throw a few tickets on there and that price can get out of hand really quick. Consumers ask the question a lot what does a ticket have to do with my auto insurance going up? And that is a reasonable question to ask. From the insurance company perspective, they feel a driver who has tickets is more inclined to have an accident. So even though a consumer getting a ticket does not cost the insurance company any money up front, they feel in time it can cost them money with an eventual accident with those driving habits. I, personally am on the consumers side on this issue. I do not like charging consumers more on their monthly auto insurance rates for minor tickets. I do however get it for the major tickets, that makes sense. DUI’s and Reckless driving tickets could show a pattern of a dangerous driver for sure, but charging a customer 10% more for going 10 miles over the speed limit just doesn’t make sense.
Cheap auto insurance VS Quality auto insurance
Finding cheap auto insurance is important but it is just as important to find quality car insurance. They key is to find the balance of an affordable auto insurance company and one that treats you fair. You see attorney commercials all the time portraying insurance companies as dishonest but that’s not always the whole story. Sure, there are some bad insurance companies out there just like in anything in life everything has its good and bad apples. One red flag we have found is when customers are out shopping for auto insurance quotes and they find one that is 60% cheaper than every other company for example, is something to be weary of. A lot of insurance companies have been in the game for a very long time and you see a newcomer price themselves at a ridiculous price, well they may not be in business very long and nothing is more annoying than having to switch insurance companies frequently. There is no secret rating factors an insurance company has that can justify pricing themselves half the price as everyone else.
Be sure to read google and Facebook reviews to see what true customers are saying about the insurance company you are considering. How an auto insurance company handles their claims service and customer service is just as important as their price on an auto insurance quote. So, the point we want to make is how an insurance company treats their customers is just as important as their prices. When you are reading through an insurance company’s reviews that are negative be sure and read the reply from the company. There are always two sides to every story and its very important to hear out both sides. The truth is the customer is not always right and neither is the insurance company. Auto Insurance companies deal with a lot of fraud claims. So, they have to be careful to make sure they are not being taken advantage of by fraud claims. The less fraud claims an insurance company pays the more they can pass that savings on to their customers.
Concluding thoughts on cheap auto insurance
Like we mentioned above, our goal at Cheapest Auto Insurance, is to provide you with cheap auto insurance not matter your situation. Working with numerous companies we can offer you low down payment auto insurance and an affordable monthly price that fits your budget. Although no insurance company is perfect, we do our best to take the best care possible of every customer that we come in contact with. With our numerous retail locations across Oklahoma and Texas and our aggressive expansion we are wanting to reach more cities and help more people get cheap car insurance. With our World’s Fastest Anonymous Quoting System we make finding cheap insurance very easy and fast. We can get you a cheap auto insurance quote in less than one minute and completing the policy online on your own takes about an additional five minutes. Customers are also welcome to come in person to visit one of our agents and get a quote in person or also by phone. We don’t only want to give you a cheap price but a great overall insurance experience that is simple and efficient.
New To Cheapest Auto Insurance?
At Cheapest Auto Insurance, we aim to make the insurance process as easy as possible for you. We will find you the cheapest rate for you and your vehicle. We have insurance professionals who are ready to help you get back on the road. Call us at 918-744-5145 to speak with a representative or click here for an online quote!