Oklahoma City Auto Insurance Company Price Comparisons

When trying to find a licensed insurance agent in Oklahoma City, we recommend you do the preliminary legwork on the internet in order to save time. You need a highly trained agent, but also need competitive auto insurance rates.

Because there are so many online and local companies to choose from, it can be impossible to pick the most affordable company.

Oklahoma City agents for auto insurance

Professional agents can help determine the best coverages and give you peace of mind. The best thing about price shopping on the web is you can get better rates and still choose a local agent.

To find an agent, once you fill out this form (opens in new window), your insurance coverage information gets sent to agents in your area who will battle for your business. There is no reason to drive around as quotes are delivered immediately to your email address. Now that’s easy!

Choosing an insurance agency shouldn’t rely on just the price. Any agent should have no problem answering these questions:

  • Can glass repairs be made at your home?
  • How long have they worked with personal auto insurance coverage?
  • Do they make recommendations based only on price?
  • If you have an accident, will your rates go up?
  • How are they compensated?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Which members of your family are coverage by the policy?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

Insurance agents in Oklahoma City come in two varieties

When looking for local Oklahoma City agents, you must know there are a couple different agency structures that you can select. Agents are categorized either independent (non-captive) or captive. While both can insure your vehicles, but it’s worth learning the differences since it can impact buying decisions.

Captive Agents

These agents are contracted to one company and examples are Farmers Insurance or State Farm. Captives cannot place coverage with different providers so they have to upsell other benefits. Captive agents are trained well in insurance sales which helps them compete with independent agents.

The following is a list of captive insurance agencies in Oklahoma City who may provide you with price quote information.

Oklahoma Farm Bureau Insurance – 5101 N Council Rd – Oklahoma City, OK 73132 – (405) 495-5433
Farmers Insurance Group – 620 N Robinson Ave # 205 – Oklahoma City, OK 73102 – (405) 235-1786
Allstate Insurance – 538 E Memorial Rd – Oklahoma City, OK 73114 – (405) 607-2890
State Farm Insurance – 7907 N Council Rd – Oklahoma City, OK 73132 – (405) 728-9999
Shelter Insurance – 6207 NW Expressway St – Oklahoma City, OK 73132 – (405) 720-0233
Liberty Mutual Insurance – 7101 NW Expressway St # 615 – Oklahoma City, OK 73132 – (405) 720-6083

Independent Insurance Agents

Independent insurance agents do not work for one specific company but rather can write business with lots of companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s recommended you include price quotes from at least one independent agent for the best price selection.

Listed below are Oklahoma City independent insurance agents that are able to give rate quotes.

Myers Insurance – 7416 Broadway Ext # A – Oklahoma City, OK 73116 – (405) 843-4727
Marketing Trends Agency Inc – 720 W Wilshire Blvd # 116 – Oklahoma City, OK 73116 – (405) 810-9045
Barclay Insurance – 820 NE 63rd St – Oklahoma City, OK 73105 – (405) 842-1971
Roy B Wallace Agency – 5915 NW 23rd St # 111 – Oklahoma City, OK 73127 – (405) 495-4501
Amerisurance Agency – 11212 N May Ave # 101a – Oklahoma City, OK 73120 – (405) 751-0012

For a full directory of insurance agents in Oklahoma City, view this link.

After getting acceptable answers to these questions in addition to an acceptable price estimate, most likely you have located an insurance agency that will service your policy.

Buying auto insurance direct is an option

Local insurance agents are perfect for certain consumers, but you also have the option of buying from companies direct over the internet. Certain auto insurance companies like State Farm and Allstate who sell through the agent channel additionally provide the ability to get quotes and purchase online, and that is helpful if you don’t want to take the time to contact agents.

If you’re uneasy about choosing your own coverages when buying direct, that is normal but is not a big issue. Insurance companies that require consumers to choose their own coverages provide toll-free numbers for customer questions.

Do customers save by switching to an online company? It’s difficult to provide an answer because of the number of factors that influence how your policy is priced. Many people think that buying directly from the company saves money because there is no commission. For most online online companies, however, online and traditional media advertising are expensive and that impacts the rates consumers pay.

If the lowest price is important, the best way to know if the best rates are online or from local agents is to get rates from both and compare them. Even though it sounds odd, people frequently get different pricing for the same auto insurance company when comparing online quotes to a quote from an agent.

Consumer auto insurance information in Oklahoma

More detailed Oklahoma auto insurance information can be read at the Oklahoma Insurance Department website. Oklahoma drivers can read industry bulletins, view a list of available companies, and find out which companies have the most complaints.

Oklahoma City Oklahoma insurance cheap

Other useful links include Auto Insurance 101 and this page where you can also get Oklahoma City auto insurance quotes.

In conclusion

Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, high rates after DUI convictions or being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret that it was a big error on their part. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.