Auto insurance is one of those must-have expenses that can feel like a burden—especially when premiums creep up year after year. But here’s the good news: you can lower your costs without cutting corners on the protection you need.
At our agency, we believe smart coverage should also be affordable. Here’s how you can save money on auto insurance without sacrificing peace of mind.
1. Bundle Your Policies
One of the easiest and most effective ways to save is by bundling your auto insurance with other policies like homeowners, renters, or umbrella insurance. Many carriers offer multi-policy discounts that can shave 10–25% off your premiums.
✅ Tip: If you’re not bundling yet, request a quote for multiple lines of coverage.
2. Ask About Discounts You Might Be Missing
There are dozens of discounts most people don’t even know exist. Some common ones include:
Safe driver discounts
Good student discounts (for drivers under 25)
Low mileage discounts
Defensive driving course credits
Vehicle safety feature discounts (anti-lock brakes, airbags, etc.)
✅ Bonus: Some insurers offer discounts just for paying your premium in full or going paperless.
3. Raise Your Deductible—Carefully
A higher deductible means you’ll pay more out of pocket if you file a claim, but your monthly premium will likely be lower.
⚠️ Make sure you’re comfortable covering the deductible amount in an emergency.
4. Reassess Your Coverage Based on Vehicle Age
If you drive an older vehicle that’s worth less than a few thousand dollars, it might not make financial sense to carry full comprehensive and collision coverage.
🛠️ Liability insurance is still legally required, but optional coverage should be based on vehicle value.
5. Review Your Policy Every Year
Life changes—maybe you moved, changed jobs, or started working from home. These updates could qualify you for lower rates or different discounts.
🔄 Annual reviews help ensure you’re not overpaying for outdated coverage.
Use Telematics (If You’re a Safe Driver)
Usage-based insurance programs track your driving habits through an app or device. If you’re a safe driver, you could see significant discounts—sometimes up to 30%.
✅ These programs monitor things like speed, braking, and time of day you drive.
Work with an Independent Agent
Captive agents can only quote one company—but independent agencies like ours can shop your policy with multiple carriers to find the best price for the best coverage.
🧠 Let us do the comparison shopping for you so you don’t have to sacrifice coverage to save money.
Ready for a Free Auto Insurance Review?
If you’re in Glenpool, Oklahoma or the surrounding areas, we can help you compare quotes, identify discounts, and make sure your auto coverage fits your life—and your budget.
Call us today or request a quote online!