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SAVING ON AUTO INSURANCE
In the state of Oklahoma, auto insurance is required for operating a motor vehicle. Lending institutions will require more insurance to protect their investments, but if you own your vehicle outright, only liability is required. Many factors go into calculating insurance for each person and their vehicle. There are ways of saving on your auto insurance when you consider what the companies look at.
LOCATION, LOCATION, LOCATION
As with real estate, location matters. It might not be an option for you to move, but insurance companies DO look at location. First, states even vary from state to state. Based on accident frequency and weather, one state might be higher than another. Oklahoma usually suffers because of storms we experience.
Beyond the state, the city you live in is important in evaluating coverage. Do you live in a rural community or perhaps an urban area with more crime? And even your residence is considered. Especially in Oklahoma, insurance companies charge less for vehicles that are protected from the elements or theft. Having an enclosed garage is easier on the monthly premium.
RISK EVALUATION
Not only do insurance companies care where you live, they care about how much of a risk you might be. Of course, your driving record is most important. If you have had past accident claims and speeding infractions, your premiums will reflect that risk.
Also, age, sex, and marital status are figured into your insurance. Drivers aged 25 and younger have higher payments simply because of their inexperience behind the wheel, with males being higher. Again, safe driving will help at this time to keep the payments lower. And don’t forget to keep up the good grades if you are a student, it will help rates.
How is your credit score? Insurance companies will look at your score to determine your risk. The claim is if there is a lower credit rating, the driver is more likely to take risks with driving. Cleaning up your credit and achieving a decent score will help to save on insurance.
Finally, the frequency of your time behind the wheel will affect your rate. Some driving for business cannot be avoided, but reducing commuting distance to your place of employment can help with insurance costs.
AUTO CHOICE
Our dream car might not be the option for lower insurance costs. There is a huge amount of risk when driving a motorcycle, so expect to pay more. Insurance companies will also evaluate other cars, trucks, and SUVs based on their safety ratings. The higher a vehicle scores on a safety test, the lower the insurance. Be sure to check out our article on the safest vehicles if you are in the market.
But besides crash safety, vehicles are evaluated with cost in mind. Luxury vehicles will cost more because it costs more to fix, or replace if stolen. Also, sports cars are considered riskier because of the speed generally driven behind the wheel.
There are some things that we cannot change to lower insurance, but buying smart and driving smart are your best bets in keeping insurance rates low.
Freeman Collision Center offers expert hail damage auto repair in Oklahoma City, OK. Call 405-942-6455 for top-quality auto body repair services.
When your vehicle needs repairs, the choice between a small, independent collision shop and a large corporate chain can be challenging. But at Freeman’s Collision Center, we believe that local businesses like ours offer something corporate shops simply can’t: personalized care, exceptional craftsmanship, and a commitment to the community.
Have you ever been told by an insurance adjuster or a direct repair program (DRP) shop that your car repair won't be guaranteed or have a warranty unless you use their specific shop? This is a common tactic used to steer customers towards certain repair facilities, but it's simply not true. In Oklahoma, as in many other states, you have the right to choose any auto repair shop you want.
Read this article to learn the differences between traditional dent repair and paintless dent repair to help you choose the best solution for your vehicle.
After years of experience, driving will change for a senior citizen. From insurance changes to physical challenges, everyday driving will be increasingly more difficult. If you have family members in their early 60s, now is the time to prepare for these changes.
As a consumer, you have certain rights when a collision happens and repairs are performed. These rights can vary from state to state. In the state of Oklahoma, be sure to know your rights when you are in need of repairs for your vehicle.
Oh the stress of studying for your driver’s license! It may have even been decades ago, but we all still remember the many rules we had to learn in order to obtain a license. Unfortunately as the days and years pass, we forget many of the laws we were required to know and observe as drivers. And each day, many drivers break these laws. Because the rules are in place for safety, it is important for a refresher course. Avoid needless collisions and tickets by relearning the driving laws you may have forgotten.
We drive to work, we drive for fun, and we drive to vacation destinations. No matter the reason for our driving, the most important thing is to be safe. While our vehicles are still evolving with the latest safety features, there are gadgets and accessories that can assist with that safety. Whether it’s for beloved family or the person who has everything, these are 5 gifts that can give that driver some peace of mind.
Road Rage is at an all-time high with congested commutes and full schedules. No matter if it’s the highway, city street, or rural 4-way stop, there are everyday situations that are frustrating drivers. Even the drive-thru can present a disagreement with driving. So, what is happening? Even if there are more vehicles on the road, there are written laws and unwritten courtesies that we should be observing. However, many times there are two sides to a story…
The majority of hit-and-run accidents involve a parked vehicle. And over 60% of those happen in parking lots. You may have been a victim of this type of accident and discovered the damage once you returned to your car. This is the fear of any driver, returning to a damaged car with no idea what happened or who is responsible. Being a victim in the situation can ruin anyone’s day but what if you are the one who hit the parked vehicle? There are actions you must take to protect yourself in this situation.
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Address: 3429 N May Ave Oklahoma City, Oklahoma 73112 Business Hours:
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