Ardmore, OK Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Ardmore, OK, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
How to Get Auto Insurance Cheap in Ardmore, OK
The average cost of car insurance in Ardmore is $1580 per year. This doesn't look like a lot when you're making payments on your vehicle but it can add up quickly. Zimlon found that these prices may be even more affordable with discounts and other factors such as driver's age or credit score which are explored below by our researchers to know what options for finding cheap auto premiums really do exist out there.
Zimlon has done a substantial amount of research and has answered questions such as what is the best rate possible? What kind of coverage should you get?. Check out the discounts available to find the best premium.
Depending on the car owner's age
Teenagers and young Ardmore residents pay higher auto insurance premiums because they are seen as less responsible behind the wheel than older drivers. In Ardmore, the typical cost for a teen driver is $5127, while 30-50 year olds can anticipate to pay less than 1564-$1393 per year. Drivers looking for premium savings could compare age-based policies that give good student discounts or safe driver/defensive driving incentives that may be offered according to your needs and other variables like marital status.
Average Auto Insurance Cost Based on the Driver’s Age
Based on Deductible
To save money on car insurance, consider going with a low deductible for more savings. Ardmore residents can get super cheap auto-insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Those who opt for a low deductible ($500) pay more for auto insurance than those who opt for a high deductible ($1,000). This difference, according to Zimlon's research in Ardmore, is $1075 and $908, respectively.
Multi Car Insurance Rates
Rates for Multi-Car Insurance Car owners in Ardmore who want to save money on their insurance can consider bundling it with other types of coverage. When life and home insurance are acquired from the same firm, for example, you can obtain a decent monthly discount. According to a Zimlon analysis, Ardmore car owners who combined more than one form of insurance might save money each month by insuring both vehicles under one policy. Insurance providers in Ardmore offer $379 and $569 savings on a two-vehicle and a three-vehicle bundle, respectively. In Ardmore, bundling four vehicles can save $758 on auto insurance.
Depending on your credit score
Credit score is a crucial rating component in most states. Low-credit automobile owners not only file more claims than high-credit car owners, but their claims also appear to be more expensive. Car insurance companies frequently provide substantial discounts to drivers with a good credit score and a clean driving record. According to Zimlon's data, automobile owners in Ardmore with a strong credit score of 800 or higher spend as little as $1356 for insurance, but those at the bottom of the scale may pay as much as $2577.
Factors that can influence the cost of car insurance in Ardmore, OK are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Ardmore, OK Auto Insurance Rates
- Ardmore, OK Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ardmore, OK
- Multi Vehicle Insurance Savings in Ardmore, OK
- How Credit Score Affects Car Insurance Rates in Ardmore, OK
- How DUI Affects Auto Insurance Premiums in Ardmore, OK
- Top Auto Insurance Agents Near Ardmore, OK
- How Driving Violations Affect Auto Insurance Rates in Ardmore, OK
- Ardmore, OK Auto Insurance Discounts on Anti Theft Feature
- Ardmore, OK Auto Insurance Company Reviews
Ardmore, OK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Ardmore, OK with that of other cities in and around Ardmore.
|Ardmore||Carter County||Gene Autry||Ardmore North||Dickson||Springer|
|Average Insurance Rates||$1,580||$1,568||$1,536||$1,550||$1,599||$1,540|
Ardmore, OK Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Ardmore, OK based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Ardmore, OK Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Ardmore, OK usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Ardmore, OK Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Ardmore, OK can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$379
Savings on 3 Vehicles bundle:$569
Savings on 4 Vehicles bundle:$758
Ardmore, OK Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Ardmore, OK.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Ardmore, OK Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Ardmore, OK Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Wayne Enyart||Allstate||512 12th Ave NW, Ardmore, 73401||(580) 224-9883|
|Sullivan Insurance Agency||Liberty Mutual Independent||321 West Broadway, Ardmore, 73401||None|
|The Bramlett Agency||Travelers||1505 N COMMERCE STE 104, ARDMORE, 73401||580-223-7300|
|Jordan Insurance Group||Travelers||619 GRAND AVE, ARDMORE, 73401||580-223-3233|
|Jordan Insurance Group||None||619 Grand Ave, Ardmore, 73402||None|
|Tod Weder||State Farm||724 Grand Ave, Ardmore, 73401-4343||580-226-6400|
|Shinn Agency||None||419 N Washington, Ardmore, 73401||None|
|Steven Russell||Farmers||1318 S Commerce St, Ardmore, 73401||(580) 223-3160|
|Douglas Brazzell||Farmers||325 E St NW, Ardmore, 73401||(580) 223-4240|
|D Clagg||Farmers||PO Box 850, Maysville, 73057||(405) 867-4115|
|Robert Daugherty||Farmers||214 S Walnut St, Pauls Valley, 73075||(405) 238-6196|
Ardmore, OK Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$70||$1,650|
|Driver's Failure In Showing Documents||+$153||$1,733|
|Driving With An Expired Registration||+$163||$1,743|
|Driving At A Considerably Slow Pace||+$343||$1,923|
|Using A Cellphone While Driving||+$362||$1,942|
|Running A Red Light||+$368||$1,948|
|Driving A Vehicle Without The Required Permission||+$491||$2,071|
|Driving With An Expired/Suspended License||+$1,065||$2,645|
Ardmore, OK Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,517|
|Passive Disabling Device||$1,469|
Latest Auto Insurance Reviews in Ardmore, OK | Back to Top
State Farm offers a low deductible compared to other companies. This is a fair and reasonable company to use which I have highly recommended to friends and family.
I would recommend State farm to any body. The company is reliable, ethical and great. In my opinion, you simply cannot go wrong with the company. I rate them a five out of five.
I've only had limited interactions with them, but they've seemed fine. I haven't yet had to make a claim, and that's the true test of their services.