Factors that Affect Premiums:
Insurance companies use a variety of factors to determine a policyholder’s likelihood of experiencing an accident or loss. Some factors include but are not limited to: driving history; type of vehicle (including model, year and value); territory (where you garage and drive the vehicle); number of accidents; gender; age; and credit scores. Driving record history can only be used for three years.
What To Ask Your Agent:
- Am I in your lowest-priced company/tier? If not, why not?
- How can I get a better rate?
- What payment plans do you offer and what are the fees associated with each plan?
Ways to Save Money:
You may qualify for discounts on your rates. A three-year discount is mandatory if you successfully complete an accident prevention course approved by the insurance company of the policyholder.
This discount does not apply if the course is taken for any court order in connection with a motor vehicle violation or an alcohol/drug-related offense.
Other optional discounts may be available including, but not limited to:Anti-theft devices
- Anti-lock brakes, air bags or daytime running lights
- Good student grades
- Continued policy renewals
- Drivers Education
- Claims—Free Discount
- Credit Score
- Placing another type of policy with the same insurer
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Loftis & Wetzel CorpLoftis & Wetzel is a full service independent insurance agency located in Blackwell, Ponca City, Stillwater and Edmond, Oklahoma with deep roots and history back to 1931. As a family business, we take pride in doing what's right by our clients. We represent only the best insurance companies to provide the quality coverage our clients need at competitive prices with financial strength to deliver in the time of need. Contact us today for a free Edmond auto insurance quote or call 405-530-4019