Choosing the right auto insurance can be particularly challenging for drivers with a history of accidents, especially in a state like Oklahoma. Fortunately, several insurance companies cater specifically to these drivers, offering competitive rates and comprehensive coverage options. Below are some of the best auto insurance companies for those with a less-than-perfect driving record in Oklahoma.
1. Geico
Geico is recognized for its affordable rates and user-friendly online services. They offer a variety of discounts, which can be especially helpful for drivers with a history of accidents. Geico’s ability to provide personalized quotes based on driving history means that even those with multiple accidents may find reasonable insurance premiums.
2. Progressive
Progressive is known for its flexible coverage options and the Snapshot program, which tracks driving behavior to provide potential discounts. For Oklahoma drivers with a past of accidents, this feature could help lower monthly premiums as they improve their driving habits over time.
3. State Farm
As one of the largest auto insurance providers in the U.S., State Farm offers personalized coverage options and various discounts for safe driving courses or bundling policies. Their agents work one-on-one with clients, making it easier for those with a history of accidents to find the coverage that fits their needs.
4. Allstate
Allstate provides an array of coverage options tailored for high-risk drivers. Their Drivewise program encourages safe driving and can lead to significant discounts. This company also offers accident forgiveness, which is beneficial for drivers looking to maintain lower premiums after a mishap.
5. Farmers Insurance
Farmers Insurance stands out for its targeted programs for drivers with less-than-ideal records. Their knowledgeable agents can guide clients through the best coverage options, ensuring that even those with a history of accidents can find a suitable insurance plan in Oklahoma.
6. American Family Insurance
American Family Insurance offers competitive rates and emphasizes personalized service. They provide a variety of discounts, including those for completing defensive driving courses, helping drivers with prior accidents manage their rates effectively.
7. USAA
For eligible military members and their families, USAA offers excellent rates and customer service. They are known for their low premiums, even for those with a history of accidents. The organization also provides resources for individuals to improve their driving skills, potentially leading to lower rates in the future.
Tips for Finding the Best Rates
When searching for auto insurance as a high-risk driver, consider the following tips:
- Compare multiple quotes from different insurers to find the best rate.
- Take advantage of discounts for safe driving, bundling policies, or taking defensive driving courses.
- Consider raising your deductible to lower your premium; however, ensure you can afford the deductible in case of an accident.
- Maintain a clean driving record moving forward to potentially reduce rates over time.
In conclusion, while having a history of accidents can complicate the auto insurance process, these companies in Oklahoma provide various options to ensure drivers can find coverage that meets their needs. Always remember to review your policy periodically and shop around for the best rates as your driving record improves.
