Find Cheaper Honda CR-V Insurance in Tulsa

It goes without saying that auto insurance companies don’t want customers comparing rates. People who compare rates once a year are likely to switch companies because there is a significant possibility of finding a more affordable policy premium. A survey found that drivers who compared rates regularly saved approximately $860 a year compared to people who never compared rates.

If finding the most affordable insurance in Tulsa is why you’re reading this, then learning a little about how to quote and compare insurance can save money and time.

Insurance quote for Honda CR-V in TulsaReally, the only way to get budget car insurance rates is to compare prices once a year from providers in Tulsa.

One key aspect when comparing rates is to use similar deductibles and liability limits on every quote and and to get price quotes from as many companies as feasibly possible. This ensures the most accurate price comparison and the best rate selection.

The companies shown below have been selected to offer price comparisons in Oklahoma. If you want to find cheaper car insurance in Tulsa, OK, we suggest you visit two to three different companies to find the most competitive auto insurance rates.

Three reasons to insure your Honda vehicle

Despite the high insurance cost for a Honda CR-V in Tulsa, buying insurance may not be optional for several reasons.

First, the majority of states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability insurance in order to get the vehicle licensed. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Honda CR-V has a loan, most banks will make it a condition of the loan that you carry insurance to guarantee loan repayment. If you do not pay your insurance premiums, the lender may insure your Honda at a more expensive rate and require you to reimburse them much more than you were paying before.

Third, insurance safeguards not only your vehicle but also your financial assets. Insurance will also pay for medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance greatly outweigh the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying over $810 a year so shop around every year to ensure rates are competitive.

Rates and statistics

The data table shown below highlights different policy rates for Honda CR-V models. Having a better idea how insurance rates are formulated can assist in making smart choices when selecting a coverage provider.

Honda CR-V Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $336 $572 $382 $22 $114 $1,426 $119
CR-V EX 2WD $336 $572 $382 $22 $114 $1,426 $119
CR-V LX 4WD $336 $572 $382 $22 $114 $1,426 $119
CR-V EX 4WD $386 $572 $382 $22 $114 $1,476 $123
CR-V EX-L 2WD $386 $572 $382 $22 $114 $1,476 $123
CR-V EX-L 4WD $386 $572 $382 $22 $114 $1,476 $123
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in vehicle garaging location which can revise rates significantly.

The information below highlights how deductible selection and can impact Honda CR-V insurance rates for different age groups. The data is based on a single female driver, full coverage, and no other discounts are factored in.

Safe drivers pay less for car insurance

The diagram below demonstrates how traffic citations and at-fault collisions can affect Honda CR-V annual premium costs for different insured age categories. The rates are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Companies offer many discounts on Honda CR-V insurance in Tulsa

Auto insurance companies do not list all possible discounts in a way that’s easy to find, so the following is a list of both the well known and also the more inconspicuous savings tricks you should be using when you buy Tulsa auto insurance online.Discount car insurance

Please keep in mind that most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount should help reduce your policy premium.

The diagram below illustrates the difference between Honda CR-V yearly insurance costs with and without discounts applied to the rates. The data is based on a male driver, no accidents, no driving violations, Oklahoma state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, claim-free, and multi-policy discounts applied.

Car insurance companies that may include most of the discounts above include:

Before you buy a policy, ask every company to apply every possible discount. Depending on the company, some discounts might not apply in Tulsa.

You may need help from a local insurance agent

Some people would rather go talk to an agent and there is nothing wrong with that. Licensed agents can help you choose the best coverages and help submit paperwork. One of the great benefits of comparing rates online is you can get the lowest rates and still have a local agent.

To help locate an agent, after submitting this short form, the quote information gets sent to agents in your area who can give free rate quotes for your car insurance coverage. There is no need to even leave your home because quoted prices will be sent to your email. If for some reason you want to compare rates for a specific company, you would need to navigate to their website and fill out their quote form.

Deciding on an company shouldn’t rely on just a cheap price quote. These questions are important to ask:

If you would like to find an insurance agent, you must know there are a couple types of agencies and how they are distinctly different. Tulsa agents can either be exclusive or independent agents depending on their company appointments. Either type can write car insurance policies, but it’s important to point out the subtle differences since it may influence your agent selection.

Exclusive Insurance Agents

Agents in the exclusive channel can only provide pricing for a single company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are trained well on sales techniques and that allows them to sell at a higher price point. Some consumers prefer to purchase coverage from exclusives partially due to the brand name and strong financial ratings.

Listed below is a list of exclusive insurance agents in Tulsa willing to provide rate quotes.

More Tulsa agents

Independent Agents

Agents in the independent channel are not employed by one company and that allows them to write policies with many different companies and find the cheapest car insurance rates. If you want to switch companies, they simply switch companies in-house and you don’t have to switch agencies.

When shopping rates, you will want to get some free quotes from a few independent agents to get the most accurate price comparison. Many independent agencies also insure through less well-known companies which may provide better rates.

Below is a short list of independent agents in Tulsa that can give you rate quotes.

More Tulsa agents

Tulsa auto insurance companies

Finding the highest-rated auto insurance provider can be rather challenging considering how many companies there are in Oklahoma. The ranking information in the next section may help you analyze which providers to look at when comparing rate quotes.

Top Auto Insurance Companies in Oklahoma
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

In the end, you can save money

Cheap Honda CR-V insurance in Tulsa can be purchased from both online companies and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer online rate quotes and these small, regional companies prefer to sell through local independent agencies.

People leave their current company for any number of reasons including high prices, not issuing a premium refund, delays in responding to claim requests and even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

When you buy Tulsa auto insurance online, don’t be tempted to reduce needed coverages to save money. There have been many situations where an insured dropped liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at an affordable rate.

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