Obviously, living in Lawton, Oklahoma is a little more laid back than living in New York City, L.A. or Miami. Living here comes with a little bit of baggage---100 degree summer days, tornados, major allergies---but it also comes with many positives. Many people like to retire here because of the relatively low cost of living.
New York and L.A. may be the financial centers of the country, but that doesn't mean that you are unable to find financial products and services here that are every bit as good as what you could acquire there. A good example is home and auto insurance.
Lawton may be a relatively small city, but the insurance and financial services industry is very well represented here. All of the major companies are available to you; Farmes, State Farm, Allstate, Progressive, etc.
When you are shopping for home or auto insurance, what should you consider when making your decision? Should you make your decision solely upon cost? What about the quality of the coverage and the level of service? Here are a few key things to keep in mind when shopping for auto insurance:
- Can I get local face-to-face service? Yes, almost every company has local agents with business locations.
- Are the billing options flexible? Usually. This will vary some among companies. Most will offer monthly billing.
- What discounts do I qualify for? This is an important question. Remember this; you should get a discount for having multiple policies with the same insurane company. You should get a discount on your auto insurance if you have your homeowners with the same company and vice versa.
- You should get a discount if you have more than one vehicle insured with the same company. You should get a discount if you are willing to set your bill up on electonic draft from you checking account.
- Also, you should get a discount for defensive driving courses. and for being ticket and accident free for 1, 3 or 5 years.
On your homeowner's insurance, you should get a discount for:
- Having an interior/exterior inspection done.
- Being able to prove you updated your wiring/plumbing/heat and air system
- Having a life insurance policy with the same company
- various occupations qualify for discounts---teachers, military, nurses, etc.
- Various age classes will qualify for discounts.
These are the discounts that you should think of as standard discounts. You may not qualify for all of them, but you should qualify for some of them. If the company your are talking to does not offer these, you should consider shopping around.
Oklahoma Insurance Solutions writes for carriers that do offer these discounts and more. They can be found at http://www.oklahomainsurancesolutions.com.
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