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CHEAPEST AUTO INSURANCE HAS THE MOST DISCOUNTS:
- Multi-Car Discount
- Good Driving Discount
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- Defensive Driving Discount
- Homeowners Discount
- Non-Smoker Discount
- Previous Insurance Discount
- Married Discount
- And Many More
Looking For Affordable Car Insurance In Oklahoma City, Oklahoma?
Oklahoma City, as its name suggests, is the Sooner State’s largest city and capital. It’s also near Interstate 40, Interstate 35, Interstate 44 and their extensions. Things can get crowded quickly, and you need to drive safely wherever you go.
Still, even if you take precautions, you can’t prevent every driving incident. Let Cheapest Auto Insurance help you get car insurance that can protect your wallet if a problem arises.
Why Get Covered?
In 2019, the OHSO reported over 1,844 vehicle crashes in Oklahoma City. Car wrecks and other vehicle damage can get expensive. Property losses, lawsuits and injuries can all add up as well. None of us want to reach into our own pockets to cover those costs. With car insurance, you use your policy to pay for the damage. Consider your policy a source of financial security.
Oklahoma City’s Auto Insurance Requirements
Understanding Oklahoma’s auto insurance marketplace might seem tricky to some. You’ll need to devote some time and energy to getting the appropriate coverage.
You must carry the above coverage limits if you register your vehicle in Oklahoma.
Expanding Your Coverage
You likely need more than the state’s minimum coverage. We can augment your policy to include:
Every driver can benefit from added protection. You’ll find you have more security when you need it.
Insurance in Oklahoma City
Most types of insurance sold in Oklahoma City are about average priced compared to rest of the nation except for homeowner's insurance. Homeowners insurance seems to be higher due to the hail storms and tornados that come thru Oklahoma on a regular basis. Homeowners and auto insurance take up a large portion of insurance sold in Oklahoma City. Another term for these 2 types of insurance sectors is categorized as Property and Casualty Insurance. Our local Oklahoma City offices only sells Auto and Motorcycle insurance. Many of our competitors in OKC sell all kinds of insurance we feel this gives us a competitive advantage because we have a strong niche market by putting our entire focus on auto insurance. We mainly sell Motorcycle insurance to help our current customers out. Auto insurance is our niche and because we focus solely on this, we have priced our rates very well and know the coverages in and out. Insurance companies who sell 30 different insurance products may struggle mastering the insurance product you are looking at and because that is not their sole focus their price may reflect that. No matter what type of insurance you are looking for in OKC we recommend you speaking with a licensed agent before purchase a new policy just to make sure you are covered properly. Insurance can be complicated and there are certain endorsements and exclusions you may not be aware of that a licensed agent can clearly explain to you.
Insuring Drivers of All Shapes And Sizes
All, and we mean all, Oklahoma drivers can come to Cheapest Auto Insurance. We work with top-rated insurers, and we can always help you find suitable protection by comparing our wide selection of policy options. We’ll tailor your policy to the value of your vehicle and other cost risks. Still, we’ll make sure you get protection at the lowest costs.
To us, no driver should be unable to find coverage. Standard and non-standard drivers, even those with requirements like SR-22 penalties, can use our personalized services.
Full Coverage Auto Insurance in Oklahoma City
Full coverage insurance in Oklahoma City is the second most expensive in the state just behind Tulsa. Since OKC is the largest city in the state of OK the price of full coverage insurance can be expensive. Here are a few insurance companies in Oklahoma City that offer affordable insurance for full coverage:
Insurance companies specialize in different segments of the market. For Instance, if you have a bad driving record but need full coverage insurance OKC it may be in your best interest to contact a nonstandard auto insurance broker who can get you an auto insurance quote with numerous insurance companies they represent. Here are a few options for your deductible on full coverage auto insurance:
Full coverage insurance quotes can be up to twice as much as liability only auto insurance in OKC. Many lienholders will require you to carry full coverage auto insurance with a $500 deductible if your car is financed. Even though it will save you money on your monthly premium to do a $1000 deductible.
When you are looking for auto insurance quotes for full coverage be sure and use the term comprehensive and collision coverage. The term full coverage does not technically exist. Many people think if they ask for full coverage it covers rental car, roadside, medical, etc. When it actually only covers the insured’s vehicle in the case of an accident.
Insurance Companies in Oklahoma City
When looking for insurance companies in Oklahoma City it is important to find the insurance company that fits your needs and current situation. Here are a few of the top rated insurance companies in OKC:
Insurance companies use many different factors when setting their prices. Here are a few important factors that impact your insurance pricing:
Depending on whether or not you are searching for auto insurance versus homeowner's insurance also makes a difference on what factors are being used. For instance, on homeowner's insurance age is not factored in but they rate heavily on credit score, claims history, and zip code. Depending on where you live in Oklahoma you can be very vulnerable to bad weather. Hail storms that damage roofs cost insurance companies in Oklahoma City millions of dollars per year.
Auto Insurance Companies in Oklahoma City
Auto Insurance companies in OKC have to battle great weather challenges. OKC is a hot spot for tornados and severe hail storms and even recently been prone to some flooding. Insurance companies that have a large book of business that contains customers with full coverage insurance is especially vulnerable to paying out a large number of claims when these bad storms strike. Auto insurance companies who specialize in liability auto insurance do not get hit as hard when these natural disasters hit in OKC. There is one insurance company in Oklahoma that sells liability auto insurance only called Key Insurance Company, they are a high rated auto insurance company in OKC that offers affordable liability only auto insurance. Here is a list of auto insurance companies that offer both full coverage and liability auto insurance in OKC at a competitive price:
Liability Car Insurance in Oklahoma City
Liability auto insurance in Oklahoma City runs on average about $68 monthly for one car. This price does vary depending on many factors a few of them being which insurance company you get an auto insurance quote from and your driving record. The minimum auto insurance in OKC is 25/50/25, here is a list of options for liability car insurance OKC offers:
Not every insurance company in OKC offers the higher than state minimum limits. Many nonstandard auto insurance carriers only offer the minimum limits. If you are looking to just get a tag on your car or just cheap liability car insurance in general it will save you the most money to purchase state minimum auto insurance coverage. Many drivers who have a bad driving record may only be offered the minimum auto insurance coverage because they are a higher risk for the insurance companies. Whereas customers with good insurance history and good credit may want to look at purchasing higher liability limits to protect them and their assets in case of an accident that is their fault.
How much does liability car insurance in Oklahoma City cost?
The average cost liability car insurance in Oklahoma City you are looking at about $66 monthly for the state minimum limits of 25/50/25. OKC liability insurance rates are about 3% lower than nearby Tulsa rates. Even though OKC has a larger population and the state’s capitol it still has cheaper liability insurance prices making it the second most expensive in the state of Oklahoma. If you are trying to save money on your liability auto insurance be sure and ask for the basic liability insurance limits when calling around getting auto insurance quotes. Some insurance companies in Oklahoma city may try to sell you higher limits that may or may not be needed depending on you circumstances.
What auto insurance companies in OKC are best for liability car insurance?
Here are a few auto insurance companies in OKC that that offer affordable car insurance if you just need the basic liability coverage:
If you are needing higher limits of liability insurance than you may want to get car insurance quotes from more of a national insurance company. Here are a few below:
Auto insurance companies use many rating factors when setting their prices for liability insurance. We have found depending on your driving record and credit score the difference between what these insurance companies charge can be of great difference. Some auto insurance companies prefer liability only auto insurance policies and also price themselves accordingly because they feel it's less of a risk to pay out on claims. Full coverage insurance claims seem to cost insurance companies much more compared to a claim where their driver just has liability only.
Cheap Car Insurance in Oklahoma City
There are several auto insurance companies in OKC that has cheap auto insurance especially if you have a good driving record. Here are a few we found:
When trying to find a cheap auto insurance policy it is important to make sure you are receiving all the discounts you deserve. Here are some discounts most insurance companies in Oklahoma City offer:
Another popular thing some national insurance companies offer to help lower your auto insurance is to put a device in your car that monitors your driving habits. This can be a great reward and allow a good driver to get more discounts on their auto insurance policy. But it can be a negative for a driver who tends to operate their vehicle in a more reckless way. The insurance company will increase their price accordingly.
Auto Insurance in Oklahoma City
Auto insurance in OKC is ever changing. Many new hot tech companies are starting to enter the market and could change the auto insurance for good. Many of these new auto insurance carriers are having customers put devices in their car to monitor driving habits. Many smaller insurance companies do not have the capital or the technology to keep up. And then another question to ask would be is the consumer ready to be tracked everywhere they go? And what exactly are these insurance companies doing with all this data? These are important questions to ask when searching for auto insurance in OKC. Some people may not be comfortable having car insurance companies track their every move.
When you are searching for car insurance in Oklahoma City it is important to not get caught up in an insurance company just because they have a cool app or funny commercials. You need to research how they do their customer service and how they pay out on claims. Sometimes when you buy cheap car insurance you get what you pay for when it comes to paying out claims. Then on the customer service side most people still want to talk to a human when it comes to their auto insurance, I know I do for sure. Technology is great and much needed but there are a few insurance companies in OKC that only communicate via email or message which can cause great frustration on the customers' side.
Nonstandard Auto Insurance in Oklahoma City
Nonstandard auto insurance refers to a customer who has a bad driving record and no insurance history. Here are a few car insurance companies in Oklahoma City that offer nonstandard insurance coverage:
Most of these insurance companies sell the state minimum limits of 25/50/25, Progressive though is one insurance carrier that does offer higher limits of liability even if you do not have insurance now and a bad driving record. The cost of your car insurance would obviously increase though if you need higher limits of liability insurance. If you are just wanting a cheap liability car insurance policy and have a bad driving record you would request the basic legal insurance of 25/50/25 since that is all Oklahoma City requires you to have to be legal.
Here are a few reasons why you would want to look for a nonstandard auto insurance company:
- You have a bad driving record
- You have a suspended license or ID only
- You have never had insurance before
Auto Insurance Brokers in Oklahoma City
An auto insurance broker is an independent insurance agency that is contracted through multiple insurance companies. There are many auto insurance brokers in Oklahoma City to choose from so here are some tips to help you find the right one.
- Research the reviews for the insurance company you are getting auto insurance quotes from on Facebook and Google.
- Be sure you are getting insurance quotes from the best auto insurance company for your situation. For example, if you have a bad driving record and no insurance it may save you time and money to contact an insurance agency that writes with some of the high risk auto insurance companies. On the other hand, if you have great credit and 4 cars that need full coverage insurance then you may be better off to contact one of the more national insurance companies that specialize in that sector.
- Word of mouth- Find out what their actual customers are saying about the insurance company you are considering.
Using an auto insurance broker has pros and cons. You can definitely save on you monthly premiums but sometimes the service may not be as quality as your larger insurance companies. So, it is important to weigh out the pros and cons before purchasing Oklahoma City auto insurance.
Auto Insurance Quotes in Oklahoma City
There are numerous ways to search for auto insurance quotes in Oklahoma City. There are even online quote comparison sites that can get you an auto insurance quote from numerous car insurance companies in a very quick amount of time. Here are a few companies that offer insurance quotes online from multiple carriers:
The one downside to this is in some cases lead generation companies can give your information to several insurance agencies that purchase these leads and can result in a lot of follow up calls to your phone that you may or may not want. They do offer some good options for cheap liability car insurance though. It can be a challenge though to complete your own auto insurance policy online without talking to a human. Some of the insurance companies in OKC that allow this can be time consuming.
Future of Insurance in Oklahoma City
Insurance in Oklahoma City is changing all the time with the new Insuretech companies coming into the market you can purchase almost any type of insurance completely online. With Oklahoma City being a large metropolitan area, it seems people are more prone to be comfortable starting a policy completely online. Starting an insurance policy completely online is a very different experience than most people are used to because for so many years, working directly with an agent face to face was the only way to go. Homeowners and commercial insurance are some of the few sectors in insurance that is difficult to do completely online due to the complexities of the policies. There can be a lot of exclusions and endorsements in these policies that for the consumer may be difficult to understand. But we feel the future of insurance is a direct-to-consumer model, especially in the younger generations. Face to face may not go away completely but with the amount of new tech companies coming into the industry we expect insurance to continue to head in that direction on a furious pace, especially in the automobile insurance sector. Car insurance is much easier to purchase compared to other segments of insurance. Many of these new tech companies have affordable auto insurance rates but it is yet to be seen how claims are handled and can they be profitable on the underwriting side, which usually takes years to tell. Thankfully at Cheapest Auto Insurance we have companies that allow OKC drivers to start their policy online yourself or come face to face to speak with our agents at our local Oklahoma City retail locations.
Get Started Today
Cheapest Auto Insurance wants to be your neighborhood insurance partner. You can reach one of our agents via phone at (405) 703-4077 or get an instant online quote.
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