Every driver in Oklahoma has the same problem. The rate you signed up for doesn't stay the rate you pay. Carriers raise prices at renewal, sometimes twice, and they count on you being too busy to do anything about it.
Brad is an independent agent with Brad Martin - Premier Insurance, Oklahoma's largest independent agency. That means he isn't stuck selling one company's product. He takes your information once, shoots it to more than 30 carriers, and hands you the best mix of coverage and price. Most quotes come back the same day.
Why independent beats a captive agent
A State Farm agent writes State Farm. A Farmers agent writes Farmers. That's how captive agencies work, and it means their first job is selling you their company's product, whether or not it's the best deal this year.
Brad works the other direction. The carriers compete and you pick the winner. On a recent renewal, a client's premium was $16,940 on a $1.5 million home. Brad shopped it and came back at $8,400 with the same coverage and the same deductibles. Same driver, same house, different carrier.
Teen drivers
It's the call every parent makes eventually: my kid is turning 16, what does this do to my rate? The short version is that your teen doesn't need to be on the policy the day of their birthday, but the clock starts when they get a learner's permit and start driver's ed. Get the full story on adding a teen driver.
Drivers over 55
Clean record, same car, no tickets, and the rate still creeps up. Carriers call it trend. Once you're retired or driving fewer miles, you may also qualify for a lower rate class. Brad re-shops mature drivers regularly, because the carrier that was cheapest at 50 is rarely the cheapest at 60.
Bundling home and auto
The single biggest discount most families can get. Putting your home and auto with the same carrier typically saves 10 to 25 percent, and it works even better when a broker is choosing which carrier to bundle with. Read about bundling home and auto.
Tickets and accidents
A ticket or a wreck doesn't have to mean three years of overpaying. Call Brad before you file anything. Sometimes a $1,000 repair on a $500 deductible is money better spent out of pocket, and keeping the claim off your record protects your rate. And when a surcharge does hit, he re-shops you, because every carrier punishes a ticket differently.
Minimum or full coverage in Oklahoma
Oklahoma's state minimum liability is low. A serious wreck on the turnpike can blow past it in a hurry, and anything above the minimum comes out of your savings. Brad will price both side by side, show you what the gap actually costs per month, and let you make the call with real numbers.