One of the many things that help determine insurance cost is where you call home. Areas with more people or more claims tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.
The table below ranks the most expensive areas in Oklahoma for handicapped drivers in which to purchase auto insurance. Tulsa ranks #1 with a yearly premium of $2,282 for the average insured, which is around $190 monthly.
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Premium costs are approximated as vehicle location can change auto insurance rates substantially.
Locating low-priced insurance is not the easiest thing to accomplish, and figuring out which company quotes the cheapest car insurance rates for handicapped drivers calls for even more diligence. Each insurance company has their own unique process to set premium rates, so we’ll go over the overall cheapest car insurance companies in Tulsa.
It’s a good idea to know that Tulsa, OK car insurance rates are calculated based on many things that may substantially change the price you have to pay for coverage. This price fluctuation is why it is critical to compare many different companies to find cheap car insurance rates for handicapped drivers. Rates are calculated by many different factors and change dramatically, so the most economical option the last time you shopped around may now be one of the more expensive options.
Cheap Insurance Rates in Oklahoma
Oklahoma Farmers Union may offer some of the best car insurance rates in Tulsa at around $1,154 annually. This is $813 less than the average price paid by Oklahoma drivers of $1,967. USAA, GEICO, The Hartford, and Safe Auto also qualify as some of the cheaper Tulsa, OK car insurance companies.
As depicted above, if you are a policyholder with The Hartford and switched to USAA, you might realize yearly savings of in the neighborhood of $177. Customers with Safe Auto may save as much as $209 a year, and Farmers policyholders might lower prices by up to $226 a year.
It’s important to note that these policy rates are averages across all types of drivers and the different vehicles they drive and do not factor in a specific zip code for handicapped drivers. So the auto insurance company that has the cheapest rates for you may not even be in the top 17 companies in the list above. That is why you need to compare prices as often as possible using your own individual information.
What is the best car insurance company in Oklahoma?
Buying coverage from a good quality insurance company can be a challenge considering how many choices drivers have in Tulsa. The company information in the next section could help you select which coverage providers you want to consider buying from. The ratings below only include large nationwide companies, so companies that only write business in Oklahoma or surrounding areas are not included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Tulsa auto insurance rates
Insurers that sell policies for handicapped drivers may also give you price discounts that could potentially reduce rates by as much as 35% if you can meet the requirements. A few of the larger companies and a selection of discounts are shown below.
- Farm Bureau may offer discounts for 55 and retired, multi-policy, driver training, renewal discount, and youthful driver.
- MetLife includes discounts for multi-policy, good student, defensive driver, accident-free, and claim-free.
- Progressive offers premium reductions for online signing, good student, multi-vehicle, online quote discount, homeowner, and continuous coverage.
- AAA may have discounts that include pay-in-full, good student, multi-policy, good driver, anti-theft, education and occupation, and multi-car.
- American Family has discounts for bundled insurance, good student, multi-vehicle, early bird, and air bags.
- GEICO offers discounts including air bags, anti-theft, federal employee, anti-lock brakes, and seat belt use.
- State Farm policyholders can earn discounts including student away at school, good driver, passive restraint, anti-theft, good student, defensive driving training, and driver’s education.
The chart below visualizes the comparison of insurance prices with and without discounts applied. The rates are based on a female driver, no claims or violations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, accident-free, passive restraint, homeowner, multiple policy, and claim-free discounts applied. In this example, the average amount saved each year on car insurance for handicapped drivers is 28% or $558.
The diagram below demonstrates how deductible levels can impact insurance costs when searching for cheap insurance for handicapped drivers. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are applied.
A 30-year-old driver could pocket $550 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $826 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, could shave up to $1,232 each year by choosing a higher deductible. If you do raise deductibles, it will be necessary to have additional funds squirreled away to be able to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
If you would rather get some professional advice when shopping around for cheaper insurance for drivers with handicaps, the professional agents shown below are willing to help you make a decision which policy fits your needs best.
To find a Tulsa insurance agent near you, click the button at the bottom of the list.
Ken Shoemaker – State Farm Insurance Agent
10115 S Sheridan Rd d – Tulsa, OK 74133 – (918) 299-9995
Elonda Wicks – State Farm Insurance Agent
5807 S Garnett Rd g – Tulsa, OK 74146 – (918) 252-3313
Gail Boyce – State Farm Insurance Agent
6149 S Peoria Ave – Tulsa, OK 74136 – (918) 747-6866