Cheap Car Insurance in Lawton, OK
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UPDATED: Jul 19, 2021
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Lawton is approximately 80 miles south and west of Oklahoma City, and is the fifth most populous city within the state. It is bordered along the north by the Wichita Mountains and exhibits the typically flat geography of the Great Plains region.
- Fun fact: Attention single ladies! Lawton is #10 on the list of “Top 100 cities with the largest percentage of males (pop. 50,000+)”. Discover more about Lawton here.
Auto Insurance Coverage Requirements in Oklahoma
Driving legally in Lawton requires:
|Bodily Injury Liability||25,000/50,000||25,000/50,000|
|Property Damage Liability||25,000||25,000|
|Uninsured Motorist Bodily Injury||Not required||25,000/50,000|
|Medical Payments||Not required||2,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||500 deductible|
Keep in mind that just because Comprehensive, Collision, and other forms of coverage aren’t required doesn’t mean you shouldn’t look into them. The extra expense could be worth it in the long run.
Typical Oklahoma motorists can expect to pay around $131 per month for the average automotive policy. However, Lawton residents can get it as cheap as $42/mo* or less – if they know how to navigate the complicated waters of Automotive insurance shopping. Learn more on our Oklahoma car insurance page.
State Farm and Oklahoma Farmers Union are offering the most competitive rates as reflected in the chart above. But that monthly rate doesn’t show how good their customer service is, or how efficient their claims service can be. Be sure to consider all the factors when shopping for a cheaper automotive policy.
Auto insurance companies will evaluate various factors when calculating quotes, particularly driving experience, zip code, occupation, miles driven each year, and business use of the vehicle. Moreover, premiums differ from provider to provider. To verify you are still being charged the most affordable premium, do a comparison of cheap Lawton auto insurance rates online.
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Major Car Insurance Factors in Lawton
Each time your auto insurance provider prepares to build your insurance plan, they take a lot of specifics into consideration. A few of these, for instance your real age or your particular address, usually are very unlikely to change. A few other elements are:
Your Zip Code
Cheap car insurance is generally associated with metropolitan areas which have a lesser population density. Since there are less cars on the streets, you will find fewer possibilities to get involved in a significant crash with a different motorist. The population of Lawton is actually 97,151 plus the common household earnings are $37,197.
If your zip code has a lot of fatal accidents each year, it may very well have an impact on your insurance premiums – and not for the better. As you can see in the chart below, Lawton had several accident-related fatalities in 2013. This is likely to drive up premiums.
Auto Thefts in Lawton
No matter how large or small the population of your city, auto theft will always be a threat. But there are proactive steps you can take to reduce this concern and save money on your car insurance. Passive anti-theft systems, for example, will protect your vehicle from theft and also get you a discount on your auto insurance policy! Within Lawton, there were 229 auto thefts during the year of 2013. And if you are worried about auto theft, make sure you either have or can get Comprehensive coverage on your insurance policy.
Your Credit Score
Your credit score is one of those elements which you probably don’t think about often, but has a significant influence nonetheless. For those with good or even excellent credit, you can look forward to really low monthly rates. Those with poor credit, however, might face monthly charges which are significantly higher.
Your automotive insurance gradually gets cheaper over time, because your experience behind the wheel ensures that you are less and less likely to get into an accident. But younger drivers and their lack of experience are at a much higher risk. And because they are so risky to insure, they must pay higher monthly premiums.
Your Driving Record
As one would expect, the cleaner your driving record is, the less you can expect to pay for your automotive insurance each month. However, your rates will likely go up if you start collecting speeding tickets or other moving violations. Some companies offer “Accident forgiveness” discounts, which might be helpful if your record is less than perfect.
It should come as no surprise that luxury vehicles are more expensive to insure than your typical sedan. But some drivers may not be informed as to why. Expensive vehicles will naturally cost more to repair or replace, which means you’ll need much more than the state minimum coverage. And the more coverage you buy, the higher your monthly premiums will be.
Minor Car Insurance Factors in Lawton
Be careful to make sure these minor car insurance factors don’t pile up and cause a serious rise in your premiums:
Your Marital Status
Married couples have the advantage over singles in that they can bundle multiple policies together and get savings discounts. Of course, all of your policies have to be bundled with the same company in order to be eligible first.
Worried about being charged more simply because of an uncontrollable factor, such as your gender? Well, don’t worry too much, because most providers these days charge the same rate, regardless of gender. And if you do get charged a higher premium for being male or female, it won’t really change your premium by more than a few dollars per month.
Your Driving Distance to Work
While typical commute times for Lawton might last between 10 and 15 minutes, it is almost equally likely that the drive could last as long as 20 minutes. Close to 73% of residents will use their own truck or car in order to travel to work, while around 7% are likely to carpool.
If you have your vehicle listed on your insurance policy as a business vehicle, you can expect to pay around 10% more, regardless of how often you drive each year. Total miles driven, as well as your purpose on the road (work/school/pleasure) won’t alter your monthly premiums by more than 1-2%.
Your Coverage and Deductibles
Need more coverage, but don’t have enough money to budget each month? Talk to your insurance agent about raising your deductible. Yes, you will have to pay more in the event that you need to file a claim, but think about how much you can save long-term with a lower monthly payment.
Education in Lawton, OK
A large percentage of the population – over 30% – have successfully made it through all four years of high school. Additionally, another 19% have gone on to earn a bachelor’s degree. If you have earned an advanced degree, you could be in for some major savings! Auto insurance providers are offering lower rates to well-educated drivers with increasing frequency.
One of the largest public universities in Lawton is Cameron University. Some of its popular majors include education, business, and technological science, among others. The Comanche Nation College, starting in 2004, began offering both the public and members of the Comanche Nation advanced educational opportunities. For an advanced degree in less time, locals can also consider the Great Plains Technology Center.
Regrettably for most insurance companies, an easy online search can easily reveal so many of their business tricks. But even with the help of the best data, it may still be problematic for anyone as an individual to determine your risk user profile and find affordable insurance. Be sure to carry out your own due diligence prior to committing to your upcoming car insurance policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
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