From cave dining in Tulsa to cow-chip throwing in Beaver and all points in between, the Sooner State offers plenty of attractions to drive to. Getting to these attractions legally, however, requires a bit of auto insurance. Oklahoma auto insurance is very affordable when compared to rates nationwide, but just because the average cost is low doesn't necessarily mean that you are getting the best price for your coverage. Many factors influence Oklahoma auto insurance quotes, and getting the best rates on the most appropriate policy is easy if you know the basics.
The Average Cost of Oklahoma Auto Insurance
Though homeowners insurance rates are higher in Oklahoma than they are in many other areas, Oklahoma auto insurance is very affordable. When compared to the national average of $795, OK's $646 is very reasonable. In fact, of the states that neighbor Oklahoma, only Kansas has a lower average for auto insurance rates.
How Oklahoma Auto Insurance Quotes Are Determined
When determining auto insurance quotes, Oklahoma insurance providers take several things into account. The make and model of your vehicle, the population density and crime rate where you live, the local weather conditions, and your age, gender, personal driving record and credit history will each play a role in how high or low the quotes you receive will be. The insurance provider views the relative risk posed by each of these factors, and comes up with a number that will off-set the amount they are likely to pay out for your policy over its lifetime.
Lowering Oklahoma Auto Insurance Premiums
There are several ways to lower the cost of your auto insurance. The two most direct paths to lower rates, raising your deductible and reducing your coverage, will certainly make a difference, but as each of these methods can have detrimental consequences if you are actually in an accident, other strategies for lowering your insurance rates are often preferable.
Since Oklahoma auto insurance is affected by the amount of risk you, your vehicle, and your environment pose to the insurance providers, lowering that risk generally produces better rates. Installing an anti-theft system, taking a defensive driving course, and remaining accident-free for 3 years or more can each lower your rates.
Getting Oklahoma Auto Insurance Quotes
Switching insurance companies can also lower your insurance premiums. Because different providers weigh risk factors differently, one company may offer a much lower premium for a particular driver. Getting multiple Oklahoma auto insurance quotes is free, and in some cases, it could save you hundreds of dollars a year.
NetQuote specializes in finding multiple insurance quotes. Fill out a brief form, enter your zip code, and let NetQuote do the legwork for you. From the comfort and convenience of your home computer, you'll quickly have access to multiple auto insurance quotes from several competing companies in your area. Once you see the numbers side-by-side, you'll have a better idea of what the going rate is for the policy you want; even better, you'll easily be able to identify if your current insurance provider is giving you the best deal on the policy you want.