Where can i find cheap home insurance in Oklahoma?
UPDATED: Dec 20, 2011
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Asked December 20, 2011
The average cost of home insurance premiums in Oklahoma is $1048, but there are ways to beat the average. You can start by shopping home insurance online, using online insurance quotes to compare prices between insurance providers. That will allow you to narrow the choices down to only one or two companies, and from there getting cheap home insurance is going to depend on what you put into it.
A safe home is cheaper to insure, and you can get insurance discounts for things like installing a home security system that is professionally monitored. You can also install smoke alarms in the house, or do things such as install deadbolt locks on all doors leading out the home, or burglar bars on the downstairs windows. Even a fence around you yard helps to deter the criminal element and that means you save money through even more discounts.
Another way to get cheap home insurance is to have a good credit score. Insurance companies see your credit score as a gauge of your financial responsibility and higher scores earn b bigger discounts. If your credit score is 650 or better, you are already eligible for a discount, and if it isn't you now have a target to aim for.
Now you can go back to the insurance companies that compared well, and call them. Ask what other discounts are available, such as for the materials your house is made from or the zip code you live in. If you already have a different type of policy with one of those companies, you can also get a multiple policy discount. Getting cheap home insurance does not mean skimping on your coverage, it means working proactively to find a company which offers you the best coverage and the most discounts.
Answered December 20, 2011 by Anonymous