Finding affordable car insurance can be a daunting task, especially for drivers with a history of claims. In Oklahoma, where premiums can vary significantly, it's crucial to know where to look for the cheapest car insurance options. This article explores some of the best choices available to drivers with past claims without breaking the bank.
Understanding Car Insurance in Oklahoma
Car insurance rates in Oklahoma are influenced by various factors, including driving history, age, location, and the type of coverage needed. For those with a history of claims, insurers may classify them as high-risk drivers, leading to increased premiums. However, it’s essential to shop around and compare quotes to find the most affordable options.
State Minimum Coverage Requirements
Oklahoma has specific minimum coverage requirements, which include:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury when multiple people are involved
- $25,000 for property damage
While it may be tempting to choose the minimum coverage to save money, it’s essential to consider personal circumstances. Higher coverage limits can provide better protection in the event of an accident, which is especially important for drivers with previous claims.
Top Insurance Companies for Inexpensive Coverage
Here are several insurance providers that often offer competitive rates for drivers in Oklahoma with a history of claims:
1. GEICO
Known for its aggressive pricing and excellent customer service, GEICO often provides affordable rates for high-risk drivers. Their user-friendly website and mobile app make it easy to obtain quotes and manage policies.
2. Progressive
Progressive specializes in competitive rates for drivers with claims history. Their Name Your Price tool allows you to customize coverage options based on your budget, providing flexibility that many drivers appreciate.
3. State Farm
As one of the largest insurance companies in the U.S., State Farm offers personalized coverage options and discounts for safe driving. Their agents can help tailor policies to suit individual needs, making it a good option for drivers looking to save.
4. Allstate
Allstate provides a range of discounts, such as safe driving bonuses and accident forgiveness programs, which can be beneficial for drivers with past claims. Comparing quotes through their website can reveal many ways to save.
5. Farmers Insurance
Farmers Insurance offers a specialized emphasis on high-risk drivers. With a focus on providing coverage to those who have faced challenges in the past, they are a viable option for Oklahoma drivers seeking lower premiums.
Tips to Lower Car Insurance Rates
In addition to researching various insurance providers, there are several strategies drivers can employ to lower their car insurance costs:
- Increase Deductibles: Raising your deductible can significantly lower your premium. Just ensure you can afford the higher out-of-pocket cost in case of an accident.
- Bundle Policies: If you have homeowners or renters insurance, consider bundling it with your auto insurance for multi-policy discounts.
- Maintain a Clean Driving Record: Taking steps to avoid accidents and traffic violations can help lower premiums over time.
- Take a Defensive Driving Course: Completing a recognized defensive driving course can often qualify you for discounts with many insurance companies.
Conclusion
While drivers with a history of claims may face higher insurance premiums, affordable options are available in Oklahoma. By comparing quotes from various providers, understanding state requirements, and taking advantage of potential discounts, individuals can find the cheapest car insurance that meets their needs. Investing time in research can lead to significant savings, ensuring peace of mind on the road.
