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Saving Money on Auto Insurance – Auto insurance is a necessity, but it doesn’t have to cost a fortune. This video includes 5 simple steps to saving money on Auto Insurance. We’ve also included more tips for cutting insurance costs below.
Shop Around – The easiest way to save on high risk auto insurance is shopping around. Obtain as many auto insurance coverage quotes as possible. Since there are a myriad of alternatives accessible in the insurance marketplace today, you have the luxury of comparing different rates and opting for the most affordable option.
Take Control Of Your Rates – Being in control of your rates can also help lower the cost of car insurance. Tickets as well as accidents which are no longer paid for should be taken off the coverage at the right time. Each time changes are made to your status, obtain a few quotes and compare the different rates. Perhaps, you will be able to find a plan that allows you to save.
Buy A Cheap Car – The more expensive a car is, the more you will pay in insurance premiums.
Cover Less Miles In A Year – Try to keep your mileage to the minimum. Drivers who cover less than 10,000 miles in a year are more likely to qualify for reduced insurance rates. The more time you spend on the road, the more likely you are to be involved in an accident.
Park Your Car In A Safe Area – Burglary and accidental damages are just some of the factors that can increase your insurance premiums. Cars parked inside a garage or on a driveway are less likely to be broken into or damaged which results in a 4% to 6% decline in insurance costs.
Exercise Caution While Driving – Careless driving will result in additional points in your license. As a result, you will be expected to pay more in insurance premiums. Whereas points attributed to speeding tends to remain on a driver’s license for at least 4 years, insurance companies will confirm if there have been convictions in the past 5 years prior to deleting them from your record.
Install Security Systems In Your Car – Installing security systems, for example, car alarms and anti-lock brakes in your car can also help in lowering your risks.
Avoid Making Changes to Your Car – Do not make changes to your car before informing your insurance provider. Modifications refer to anything that will alter the original specifications, for example, fitting allow rims.
Call Statewide Insurance Agency today for more information on saving money on your Oklahoma car insurance quotes, or visit us online to receive a no-obligation quote.
In today’s over-scheduled world, any information that isn’t at your fingertips is out of sight, out of mind. So when you set down the mail, it’s easy to forget about that ticket you need to pay from when the motion-sensor camera caught you driving through a red light. However, where you forget, the DMV remembers. Your Oklahoma driving record has the ability to affect many areas of life, some of which may surprise you. Here are eight ways your driving record could injure your future:
- Auto insurance: Insurers determine car insurance quotes based on many factors, one of which is your driving record. It’s no surprise that these companies prefer to insure Edmond, OK residents who drive safely and file few claims. For this reason, multiple tickets and accidents on your record can result in higher premiums. How high? A speeding ticket can raise your auto insurance quote by up to 20 percent. A more serious offense, such as reckless driving or a DUI, can cause your rate to skyrocket by up to 300 percent.
- Life insurance: Similarly, life insurance premiums are determined by your risk of dying. An unsafe driver has a higher risk of being involved in a serious accident, which can knock you down to a less preferred tier of life insurance, complete with a premium that can be several hundred dollars more per year.
- Credit score: If you neglect to pay a ticket, like in our example above, your credit score can take a hit. Once the bill’s deadline comes and goes, fees are slapped onto the amount you already owe. You may start getting calls from collection agencies saying that you owe a huge amount, at which point you remember that bill that you set aside for later…ten weeks ago. By then, it’s too late. Your deflated credit can affect your ability to apply for a loan, credit card or even to rent an apartment.
- License suspension: Serious driving infractions and unpaid tickets often result in the suspension of your license. In such cases, the Oklahoma DMV can refuse to register your car, which can lead to more tickets if you continue to drive an unregistered car or with a suspended license. It’s a cyclical mess that can be difficult to get out of.
- Hard time: Hard time in jail, that is. Unpaid tickets can result in a misdemeanor charge and a warrant for your arrest. Not to mention, a DUI can land you in the slammer that same day.
- Professional career: Losing your license can also result in the loss of your job, particularly if your job requires driving or comes with the perk of a company car. And then when you interview for a new job, some employers will turn you away if they see a DUI or other serious violations after conducting a background check.
- Loss of rights: A DUI or other serious violation can be classified as a felony if the incident(s) resulted in severe damage or death. Convicted felons are stripped of a number of rights, such as the right to vote, hold public office, serve on a jury, receive federal aid for higher education, travel overseas etc.
- Adoption: Adoption agencies have different policies, but many of them will look at your driving record. A DUI or other serious violation may result in an extensive interview during the home study or may result in outright refusal of your application. The more recent the violation, the more likely it is to affect your eligibility to adopt.
To get the lowest car insurance quotes possible for Oklahoma residents, always drive with caution and respect other drivers who share the road with you. If you do happen to receive a minor ticket, pay it immediately before you have the chance to forget about it. In fact, it’s so important to drive safely that many insurers offer auto insurance discounts to safe drivers. Ask your agent if you qualify for savings today!
Protect your personal assets from others by purchasing Liability Insurance! #mostimportantcoverage
Saving $$$ on your car insurance may be as simple as finding the company that really wants and values your business!
What does Rental Car Reimbursement cover? Trevon Nix, an Independent Insurance Agent with Statewide Insurance Agency in Edmond, Oklahoma, would like to share some benefits of having this coverage added to your car insurance policy.
When generating a personalized home insurance quote for all Oklahoma residents, we take into account several standard aspects of your home and deductibles to find a starting price point. However, we also look at a few other factors when determining your home insurance premium.
The Structure of Your Home
What your house is made of can increase or lower your premiums. Concrete and brick houses tend to fare better against environmental elements and are less susceptible to house fires. Therefore home insurance premiums on them tend to be lower than their wood structure counterparts.
Your Insurance Score
Insurance companies actually use “Insurance Scores” rather than “Credit Scores” when rating for for your home and auto insurance. Each company has their own proprietary formula for calculating an Insurance Score; however, based upon our experience, we find that Credit Scores (such as those through TransUnion) are usually similar to Insurance Scores.
The Structure of Your Home
What your house is made of can increase or lower your premiums. Concrete and brick houses tend to fare better against environmental elements and are less susceptible to house fires. Therefore home insurance premiums on them tend to be lower than their wood structure counterparts.
The Age of Your Home
Newer homes that have been built with the current safety codes and better building materials may mean lower insurance premiums than their older counterparts that were built with outdated security measures and older structural materials.
The Emergency Response Team Nearby
Many homeowners don’t realize the effect of their town’s fire station on their home insurance premiums. If your home is close to a fire hydrant, near an adequate fire station, and has a higher quality emergency response team you may be eligible for lower premiums.
It is important to understand how your house can affect your homeowners insurance premiums. If you have any questions or wish to speak with one of our agents, please contact us today to review your policy.
A Few Tips for the Oklahoma College-Bound
Colleges in Oklahoma are expensive enough without the added cost of unexpected accidents or theft, not covered by your insurance policy. If you have a student heading away to school in Oklahoma, below are a few tips to help you get the most out of your coverage!
HOMEOWNERS (Oklahoma)
- Personal Property: Most homeowners policies will cover personal property for up to 10% of your total policy while your child is residing at school (a $100,000 policy equals $10,000 in coverage). Not all types of damage are covered, so read your policy carefully. Some items such as jewelry or expensive electronics, require special coverage. Renters insurance is strongly recommended.
- Liability Coverage: General damage to a dorm room or apartment is not usually covered.
- Documentation: Creating an inventory of the items your child is taking to school is a good idea. Use photographs and keep receipts.
AUTO (Oklahoma)
- Car Stays Home: Keep your child listed on your auto policy if they will still drive your car while at home on school breaks.
- Car at School: Make sure to notify us if your child will be taking a car away to school. In most cases, if the car is registered to you and listed on your policy, it will be covered.
- Driving a Friend’s Car: Students are generally covered if they are listed on their parent’s policy and are not regularly using the vehicle. The coverage would be secondary. The insurance for the friend’s vehicle would be the primary coverage.
- Discounts: A full-time student meeting certain academic requirements can qualify for a good student discount. Distant student discounts may also be available. Drivers under 21 who have completed driver’s education may also get a discount.
Call before you or your child leaves for school!
Statewide Insurance Agency (405) 285-2929
We can walk you through the steps to ensure you have the right coverage. We’re here to help !
