Top 7 Ways to Save on Auto Insurance in Tulsa Oklahoma

Saving money on Tulsa auto insurance can be challenging for consumers new to comparison shopping online. People have so many companies to choose from that it can be a ton of work to locate the lowest price in Tulsa.

Where Can I Get Cheap Tulsa Auto Insurance?

All the larger auto insurance companies quote price estimates on the web. Getting online rates is quite simple as you just enter your coverage preferences as detailed in the form. After you submit the form their system sends out for information on your driving record and credit history and gives you a price quote.

Online quotes makes comparing rates easy, but the time required to go to multiple sites and enter the same data into a form is monotonous and tiresome. But it’s very important to compare as many rates as possible if you are searching for the best price possible.

Compare rates the easy way

A quicker way to compare auto insurance pricing makes use of a single form that obtains quotes from several companies at one time. It saves time, eliminates repetitive work, and makes quoting online a little more enjoyable. As soon as the form is sent, your coverage is rated and you are able to buy your choice of the returned quotes.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and may result in a nice savings.

To quickly use this form to compare rates, click here and input your coverage information. If you currently have coverage, we recommend that you enter the insurance coverages just like they are on your policy. This ensures you’re receiving an apples-to-apples comparison for the exact same coverage.

Is there deception in advertising?

State Farm and Allstate consistently run ads on TV and radio. All the companies make the same claim of big savings if you change your policy. How does each company say the same thing?

Different companies can use profiling for the type of customer that makes them money. An example of a profitable customer could possibly be between 25 and 40, has no tickets, and chooses high deductibles. A driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who are not a match for the requirements will be quoted higher rates which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. This is how companies can truthfully advertise the way they do.

This emphasizes why it’s extremely important to get as many comparisons as possible. It’s not possible to predict the company that will give you the biggest savings.

Don’t overlook these seven discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Some trigger automatically when you complete an application, but some must be requested specifically in order for you to get them.

  • Distant Student – Kids in college living away from home attending college and don’t have a car can receive lower rates.
  • No Charge for an Accident – Some insurance companies allow you one accident before your rates go up if you are claim-free prior to the accident.
  • Low Mileage – Fewer annual miles could be rewarded with discounted rates on garaged vehicles.
  • Multiple Cars – Buying coverage for all your vehicles with the same company qualifies for this discount.
  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current expiration date. It’s a savings of about 10%.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more than drivers with accident claims.

Keep in mind that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you can get free auto insurance, you won’t be that lucky. But all discounts will help reduce the cost of coverage.

To see a list of insurance companies who offer auto insurance discounts in Oklahoma, click here to view.

Auto insurance coverage options

Learning about specific coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses for things like chiropractic care, surgery, nursing services and ambulance fees. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision – This coverage will pay to fix damage to your vehicle from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, damaging your car on a curb, rolling your car, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, hitting a bird, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance – Liability insurance will cover damage or injury you incur to people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like emergency aid, medical expenses, bail bonds, legal defense fees and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible. Oklahoma state minimum liability requirements are 25,000/50,000/25,000 but drivers should carry more coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your vehicle.

Since a lot of drivers only carry the minimum required liability limits (Oklahoma limits are 25/50/25), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Much more information about auto insurance in Oklahoma is available on the Oklahoma Insurance Department website. Click here for link. Visitors are able to read enforcement actions against agents and companies, learn about specific coverages, read industry bulletins, and view a list of available companies.

Also read more on this page for Oklahoma auto insurance and this link which helps you find a Tulsa agent.

More comparisons equals lower rates

People change insurance companies for a variety of reasons including delays in responding to claim requests, high prices, delays in paying claims or questionable increases in premium. No matter why you want to switch, choosing a new insurance company can be less work than you think.

In this article, we presented some good ideas how to get a better price on auto insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the most savings is with a smaller regional carrier.

Cheap auto insurance can be sourced online as well as from independent agents in Tulsa, and you need to comparison shop both to have the best selection. There are still a few companies who don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.