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Cheapest Auto Insurance

Cheapest Auto Insurance

2615 N. MacArthur Blvd.

Oklahoma City, OK 73127




This is our FAQ/Blog page about how to save money on car insurance, other auto topics, and informative articles about Oklahoma City and Oklahoma.

By cheapestaut6836694, Oct 24 2017 09:13AM

Whether it’s your first time having a car or first time driving your family’s most treasured vehicle, it’s very important to know the ins and outs of the insurance industry. Don’t act naïve because that’s when opportunists take advantage of your innocence. Learn the basics and essential ideas before getting an auto insurance.

State’s Auto Insurance Minimums

First and foremost, every state has different auto insurance minimums, by which you should follow religiously, or else you’ll face some disappointing consequences. The insurance rates largely differ in different places, but could also vary in different companies in the same state. Accordingly, it’s not always true to have the minimal auto insurance because the coverage might not meet your own standards. With that, you should gather different insurance quotes from different companies, and find the best that will give you the best benefit at a cheaper cost.

The Coverage You Actually Need

As every state requires different auto insurance minimums, every person has also different takes when it comes to having a car insurance. If you think you can save lots of money by getting only the bare minimum or acquire the biggest benefit by getting the maximum, better think twice as these two are not really financially smart ideas. Why? You should be practical in knowing the coverage that you actually need, and some of the questions that you must answer beforehand are: Where do you drive? Do you drive that often or seldom only? Do you still lease your car? Do you allow other family members drive your car? Once you answer these questions, you can distinguish how much coverage you will really need.

Kinds of Insurance Coverage

There are different kinds of insurance coverage that seem to be the same, but in fact they’re not. So, it’s advisable to know what each coverage means and what they cover for you to maximize the cost and benefit of your insurance. The main type of coverage is the liability coverage that refers to the protection of bodily injuries or auto damages to third parties. This coverage is the one required by your state, by which every driver must follow.

There’s also the collision insurance, an optional coverage that pays the cost for repairs and replacement of damages caused by accident that includes another vehicle, or even trees or guardrail. Other companies also offer comprehensive coverage, sometimes called as ‘other than collision’ coverage. This coverage pays for damages caused by natural disasters like flood, earthquake, fire and losses other than caused by vehicular accidents.

Company Reputation and more

Get the most of out of your auto insurance from a reputable company. It will be difficult to choose easily considering the tight competition in the market, but there are important features that will help you select the right one. The company’s track record, is by far, one of the most significant aspects to consider. Even if they give you the cheapest rates, but their customer service, particularly in the claims department, is a downer, the company as a whole is not good. Ask questions, questions, and questions. You might even get a discount because of your interrogation skills!

If you’re still on the hunt for a cheap yet quality insurer, head on to Cheap Auto Insurance and request for a quote that fits your standards!

By cheapestaut6836694, Oct 14 2017 04:57AM

If you’re taking a break from the hustle and bustle of city life, then a road trip to any of Oklahoma’s routes is a great way to solve your problem. The state offers a lot of fascinating road trips because of its diverse terrain. From the Little Sahara Park in the northwest, passing through the Oklahoma City in the center, then down to the Talimena Scenic Drive in the southeast, you’ll surely appreciate the beauty of Oklahoma even more! Check out some of the most spectacular road trips in Oklahoma that you should try at least once in your life.

Waterfalls Chasing

Oklahoma City takes pride, not just with its booming metropolitan, but also its natural marvels. Yes, we’re talking about nature surrounding the city. Start your waterfalls chasing from the city then take a stop to Pauls Valley, then to Chickasaw Recreational Area. After, take the route going to Medicine Park and Wichita Mountains Wild Refuge and lastly, to El Reno. All throughout the trip, you will witness five breathtaking waterfalls like Little Niagara Falls and Turner Falls.

Nature Adventure

Another great escape from the frantic urban living is by heading to a fantastic nature adventure. In Oklahoma, you will not be disappointed with the abundance of nature grandeur. Begin your road trip in Great Salt Plains State Park, then make your way to Little Sahara and Gloss Mountain. Continue your trip to Roman Nose State Park Lodge, following the route going to Red Canyon and Quartz Mountain. And if you’re up for more nature treats, explore Arbuckle Mountains and Lake Murray. This road trip will last for at least 10 hours— long but fulfilling!

Eerie Escapade

In 2 to 3 hours time, you can satisfy your hunger for some eerie escapades. The northeastern portion of Oklahoma welcomes the brave souls to take and explore some of its old, abandoned towns with interesting and haunted pasts. First stop for your ghost town adventure will be at Ralston. After, visit Blackburn then Skedee. Next in line are Ingalls and Avery. And to complete your spooky road trip, don’t forget Shamrock.

Small Towns Trip

Of course, there are countless of tiny yet adorable towns in Oklahoma that are worth the visit. This road venture will definitely be a trip of a lifetime because you will uncover the beauty and charm of Oklahoma. Small towns are considered as the heart and soul of the state, and it’s just fitting to visit at least a couple of them. You will be amazed with the changing scenery, from one town to the other. Each place exudes a unique ambiance and underlying character, which can be best experienced if you visit it personally. Get started with your small towns trip at Bernice, down to Tahlequan, passing Fort Gibson and Broken Bow. Proceed with your exploration in Toshimingo, then Sulphur and Chickasha. End your tiring but satisfying road trip at Medicine Park.

By cheapestaut6836694, Sep 26 2017 08:53AM

Several myths and misconceptions abound about buying car insurance that make some car owners hesitant about choosing a policy option that can suit their needs. Myths are not only misleading and confusing, but they also have the potential of costing you higher rates as a result of what you do not know or might overlook.

The truth is that the process insuring a car can be complicated and confusing at times, but believing in myths will prevent you from making the necessary plans to protect yourself and your car on the road. The easiest way to find the most affordable coverage or determine whether you can discard or preserve your existing policy is to be an informed consumer. Here are misleading misconceptions that you shouldn’t allow to get in your way.

Myth 1: Credit Score Has Nothing to Do with Auto Insurance

How often have you heard the claim that your auto insurance cannot be affected by your credit score? Contrary to what many believe, your credit record will affect your insurance premium like it affects other aspects of your life such as getting employed, purchasing a home or negotiating for lower insurance rates. Handle your money responsibly and always pay your bills timely to increase your credit rating. At Cheapest Auto Insurance we don't look at credit in case your credit isn't perfect. Get a quote with us today.

Myth 2: My Car’s Color Will Attract Higher Premium

The most common myth is that red colored cars need higher insurance. The truth is that no insurance company will use the color of your vehicle to determine how much premium you are going to be charged. What interest insurers usually include your driving record, the make and model of the car, year of manufacture and engine size. Color is a non-issue when you are negotiating for affordable rates.

Myth 3: Making a Claim Only After Paying From Your Own Pocket

Paying from your own pocket before resorting to processing a claim is not a compulsory requirement by the insurance companies. Whether you pay upfront or you don’t, filing a claim comes later. It is you to decide which is most convenient for your circumstances – getting your car repaired first or filing a claim and waiting. Online insurance companies have networked garages they partner with where you can take your car for repairs so that they directly settle the bill with the garage. But if you cannot find one, it is quicker to repair your car and claim reimbursement instead of waiting. This is not a rule engraved in stone. But please consult with your insurance agent first before deciding.

Myth 4: Purchasing Car Insurance is a Bothersome Process

In this digital era of internet marketing, nothing is as simple as purchasing insurance coverage online. Getting an instant quote of what the premium may cost you involves giving some basic information about your car by submitting a form, and by following simple steps, you can have a policy in place in no time. Here at Cheapest Auto Insurance we can do everything over the phone and internet for complete convenience. Get a quote today at not cost.

Myth 5: Smaller Cars Cost Less to Insure

Do not assume that if you have a small car, your insurance rate will be less than what the owners of juggernauts and SUVs pay. If you factor in things like susceptibility to damage, the safety features, and the probability of protecting your passengers and yourself when an accident occurs, you can see why you are likely to be charged more than someone with a mid-size SUV. Something else the companies do is to investigate the claim history of the car model and type by checking the losses and claims such a vehicle has incurred.

Myth 6: Every Vehicle Gets Full Coverage

Although the term “full coverage” is frequently used by many insurance companies, in practice nothing like that exists. In its applicable sense, full coverage would entail protection against every imaginable calamity or liability. Apart from comprehensive insurance, collisions and liabilities, other things like car rentals and assistance on the road should be included. Before you sign any agreement, find out what is really covered by the policy. The process of getting comprehensive cover may be tricky, but if the insurer is willing to answer all your questions honestly, it should not be all that daunting.

Myth 7: The Amount of Claim You Get After a Crash Can Buy a New Car

Such a belief is contrary to the insurance principle of indemnity which dictates the claim amount. What the insurance companies do only enables you to revert to the pre-accident/damage position. Your condition is not made financially better because the value of your loss is calculated against the depreciation of your present car. That also applies to its market value. Always check with your agent so you know in advance before a claim happens what there policies are in the event of a claim.

Myth 8: The Existing Policy Automatically Covers a New Car

This assumption is a big blunder because you might end up driving a vehicle with no insurance coverage. The moment you purchase a new car, you should immediately let your insurer know so that the policy in place can be transferred to cover the new car.

Myth 9: Age Does Not Determine the Premium Amount

As we discussed elsewhere in this series, a person’s age plays a critical role in determining the premium rate. Younger drivers, males in particular, are known to cause disproportionately more accidents and crashes than any other age group. Senior citizens are also considered a high-risk lot. Young male drivers below 25 years attract higher premiums.

Myth 10: Insurance Policies are Not Transferable

f you drive carefully and handle your car well such that the policy matures/ends without you making any claim, the insurance company will reward you with a No Claim Bonus. You can become eligible for the discount if for the entire duration of your policy, you have not filed any claim. The amount is quite substantial and that is why many people fear they will lose their No Claim Bonus if they move from one company to another. The real fact is that your bonus migrates with you most of the time. However, in some cases it needs filing 90 days before your old insurance expires, and that means you need to renew it early in that case.

These are not the only myths. What more can you add? Whatever you think, car insurance is the only safeguard you have against losses and damages you can incur while driving. Feel free to leave your comments below.

Need an affordable auto insurance policy or a free consultation? Get a quote right now at aautoandhomeinsurance.com

By cheapestaut6836694, Jan 7 2017 06:28AM

There are several insurance companies in Oklahoma, giving almost the same quotations. You might be overwhelmed with the countless selection of insurers offering too-good-to be-true advertisements and overly cheap rates. Well, that's how business works and it's a race how to find good clients.

In order to keep up with the strategy of most insurers, you need to have a game plan of your own. With that, we give you some significant ways in getting a car insurance near you through a phone call or even online.

Do Your Own Research

Before anything else, you need to do your own research. Choosing an insurer is not a piece of cake. You will be paying money and entrusting your car to a company that will help you in case the need arises. Reliability and commitment are the most important aspects of an insurance company. An insurance will take effect once a claim occurs. Consequently, you should always consider it as a long-term investment. Some may think of it as a waste of money, but once you experience the uncertainties of life, you'll surely be thankful that you have a car insurance.

Check the Ratings and Reviews

To complete your research, check out their ratings and reviews. From this, you'll have the slightest idea about their service. Companies with numerous 5-star ratings are the most well-appreciated in the industry. However, you also need to take into account that a 5-star rating does not necessarily mean they are the best. A rating does not fully define a company because there are certain circumstances that might took a toll in the entire perception of a person. In general, you can't please everybody. Thus, apart from just reading those with positive feedback, you should also take time to read the negative ones.

Contact the Company

Once you have made your own research about the insurance companies, you can now trim down your list by calling them thru phone, sending them an email or visiting their office. There are several agents who have perfected their negotiation skills, so you better be ready with your weapon— tricky questions. Asking question is apparently one of the best ways to scrutinize a person. Agents are good in sales and you should always inquire something that will caught them off guard. From there, you will know if he or she is just good with words or also with actions.


If you're still having a hard time looking for the insurance company in Oklahoma that offers the cheapest rates and provides exceptional service, then you shouldn't be wasting your time any further because with Cheapest Auto Insurance in OKC , we give you the most affordable auto insurance in the most convenient manner. Getting an auto insurance with us is as easy as one, two, three.

You can directly visit us at our office located at 2615 N. MacArthur Blvd. Oklahoma City, OK 73127. Or if you don't have time to visit the office, no problem! You can just give us a call and an agent will discuss everything thru phone.