Find Cheaper Hyundai Elantra Insurance in Tulsa

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It's an obvious conclusion that auto insurance companies don't want you to look at other companies. Drivers who shop around for cheaper prices are highly likely to move their business because they have a good chance of finding a more affordable policy. A survey found that consumers who compared rates once a year saved an average of $850 each year as compared to drivers who never compared other company's rates.

If finding the best price on auto insurance is why you're reading this, then having a grasp of how to shop for auto insurance can save money and time.

Discount Hyundai Elantra insuranceIf saving the most money is your goal, then the best way to get low-cost Hyundai Elantra insurance is to compare prices regularly from different companies who sell auto insurance in Tulsa. This can be done by following these steps.

  • First, get a basic knowledge of how insurance works and the modifications you can make to prevent high rates. Many things that cause high rates like high-risk driving behaviors and a poor credit score can be controlled by making small lifestyle or driving habit changes. Read the full article for additional ideas to get lower rates and find missing discounts.
  • Second, request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive and State Farm, while independent agencies can provide price quotes from many different companies.
  • Third, compare the new quotes to your current policy to see if you can save by switching companies. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Fourth, notify your company or agent to cancel your current car insurance policy and submit the required down payment along with the signed application to your new agent or company. As soon as coverage is bound, store the certificate of insurance in an easily accessible location in your vehicle.

A good tip to remember is to use identical coverages on each price quote and and to get price quotes from as many different insurance providers as possible. This helps ensure an accurate price comparison and maximum price selection.

Most major insurance companies like GEICO, State Farm and Progressive make it easy to get pricing direct online. Doing online quotes for Hyundai Elantra insurance in Tulsa is fairly simple as you simply enter the coverages you want as detailed in the form. When the form is submitted, their quoting system automatically retrieves your credit score and driving record and returns pricing information determined by many factors. Being able to quote online for Hyundai Elantra insurance in Tulsa simplifies rate comparisons, and it's very important to have as many quotes as possible if you want to get lower-cost rates.

To find out how much you're overpaying now, compare rate quotes from the providers shown below. If you have coverage now, it's recommended you copy the coverages exactly as shown on your declarations page. This way, you will have a price comparison for similar coverage.

The companies shown below offer comparison quotes in Tulsa, OK. If you want to find cheap car insurance in Oklahoma, it's highly recommended you visit as many as you can to get the cheapest price.

Save money by taking advantage of discounts

Some insurance providers don't always advertise every available discount in an easy-to-find place, so we break down both well-publicized and also the more inconspicuous ways to save on car insurance.Car insurance discounts

  • Auto/Home Discount - If you have multiple policies and place coverage with the same company you may earn as much as 10 to 15 percent.
  • Telematics Discount - Tulsa drivers who agree to allow driving data collection to track where and when they drive by using a small device installed in their vehicle such as Progressive's Snapshot and State Farm's In-Drive might see lower rates if they show good driving skills.
  • Good Student - A discount for being a good student could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
  • Own a Home and Save - Owning a house in Tulsa may earn you a small savings since home ownership is proof of financial responsibility.
  • Professional Organizations - Affiliation with qualifying clubs or civic groups could trigger savings on your next car insurance statement.

Don't be surprised that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, that's just not realistic.

The example below visualizes the comparison of Hyundai Elantra annual premium costs with and without discounts applied to the premium. The rates are based on a female driver, no claims or driving citations, Oklahoma state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, multi-car, marriage, and homeowner discounts applied.

Companies and some of the premium reductions they offer can be found below.

  • GEICO offers discounts for federal employee, daytime running lights, five-year accident-free, anti-theft, multi-policy, good student, and defensive driver.
  • MetLife includes discounts for defensive driver, good driver, claim-free, accident-free, and good student.
  • Progressive may include discounts for continuous coverage, online quote discount, homeowner, multi-vehicle, multi-policy, online signing, and good student.
  • Travelers discounts include driver training, continuous insurance, multi-policy, hybrid/electric vehicle, and good student.
  • SAFECO may have discounts that include multi-car, accident prevention training, safe driver, teen safe driver, teen safety rewards, and anti-lock brakes.
  • AAA has savings for multi-policy, good driver, multi-car, education and occupation, AAA membership discount, anti-theft, and pay-in-full.

If you need affordable Tulsa car insurance quotes, ask every company to give you their best rates. Some credits might not be available to policyholders in Tulsa. If you would like to see a list of companies who offer free Hyundai Elantra insurance quotes in Tulsa, follow this link.

Rates and data analysis

The rate information displayed next highlights a range of coverage prices for Hyundai Elantra models. Learning a little about how insurance policy premiums are calculated can help customers make smart choices when choosing a car insurance company.

Hyundai Elantra Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $344 $480 $500 $30 $150 $1,504 $125
Elantra Blue 4-Dr Sedan $344 $688 $588 $34 $176 $1,830 $153
Elantra GLS 4-Dr Sedan $396 $688 $588 $34 $176 $1,882 $157
Elantra SE 4-Dr Sedan $396 $688 $588 $34 $176 $1,882 $157
Elantra SE Touring Station Wagon $396 $584 $500 $30 $150 $1,660 $138
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rates do not factor in specific location which can modify coverage rates greatly.

Comparison of policy deductibles

When comparing auto insurance rates, the most common question is how high should the physical damage coverage deductibles be. The figures shown below highlight how much more you'll pay when you choose different insurance deductibles. The first set of rates uses a $100 deductible and the second set of prices uses a $500 deductible.

Hyundai Elantra insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $336 $572 $382 $22 $114 $1,451 $121
Elantra Blue 4-Dr Sedan $336 $822 $448 $26 $134 $1,791 $149
Elantra GLS 4-Dr Sedan $386 $822 $448 $26 $134 $1,841 $153
Elantra SE 4-Dr Sedan $386 $822 $448 $26 $134 $1,841 $153
Elantra SE Touring Station Wagon $386 $698 $382 $22 $114 $1,627 $136
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Hyundai Elantra insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $246 $388 $382 $22 $114 $1,152 $96
Elantra Blue 4-Dr Sedan $246 $554 $448 $26 $134 $1,408 $117
Elantra GLS 4-Dr Sedan $282 $554 $448 $26 $134 $1,444 $120
Elantra SE 4-Dr Sedan $282 $554 $448 $26 $134 $1,444 $120
Elantra SE Touring Station Wagon $282 $472 $382 $22 $114 $1,272 $106
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in vehicle garaging location which can decrease or increase price quotes considerably.

Using the data above, we can ascertain that using a $100 deductible costs an average of $30 more each month or $360 every year than opting for the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 13 months between claims, you would probably come out ahead by selecting a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $100 deductibles: $142
Average monthly premium for $500 deductibles (subtract): - $112
Monthly savings from raising deductible: $30
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

The chart below shows how choosing a deductible and can impact Hyundai Elantra annual premium costs for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Six Tips to Get Cheaper Tulsa Insurance Premiums

Lots of things are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but others are not quite as obvious like your continuous coverage or your vehicle rating. It's important that you understand some of the factors that help calculate the rates you pay for insurance. When consumers understand what determines premiums, this allows you to make educated decisions that may result in big savings.

  • Does insurance coverage cost more for guys? - Statistics have proven females are less aggressive when driving. The data does not necessarily mean that males are worse at driving than females. Both genders are responsible for at-fault accidents in similar percentages, but the male of the species have accidents that have higher claims. Men also tend to have more aggressive citations such as reckless driving.

    The information below illustrates the comparison of Hyundai Elantra yearly insurance costs for male and female drivers. The costs are based on no tickets, no at-fault accidents, full coverage, $100 deductibles, single status, and no policy discounts are applied.

  • Where you live is a factor - Being located in small towns and rural areas is a positive aspect when talking about insurance. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft. People in densely populated areas tend to have more traffic problems and much longer commute distances. More time on the road means higher likelihood of an accident.
  • More performance means more cost - The type of car you are buying insurance for makes a big difference in determining your rates. Lower performance four cylinder passenger cars usually have the lowest rates, but other factors influence the final cost greatly.

    The next chart is based on a single male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It compares Hyundai Elantra car insurance rates compared to other models that have different risk factors.

  • Bad drivers pay high premiums - Your driving record has a huge affect on how much you pay. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Having just one moving violation can increase the cost of insurance forty percent or more. Drivers with severe citations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent their license from being revoked.

    The chart below illustrates how speeding tickets and at-fault collisions increase Hyundai Elantra insurance rates for each different age group. The prices are based on a married male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

  • Rate your vehicle for proper use - The more you drive your Hyundai in a year the higher your rate. Many insurance companies charge rates based upon how you use the vehicle. Vehicles that do not get driven very much qualify for better rates than those that get driven frequently. An improperly rated Elantra can result in significantly higher rates. Verify your insurance policy states the right rating data, because improper ratings can cost you money.
  • Your career may increase rates - Did you know your occupation can influence how much you pay for insurance? Jobs such as military generals, architects, and financial analysts tend to have higher average rates attributed to intense work-related stress and lots of time spent away from family. On the other hand, careers such as professors, athletes and performers generally pay rates lower than average.
  • Insurance loss data for a Hyundai Elantra - Companies include the past claim trends for vehicles when setting premium rates. Models that statistically have a higher amount or frequency of claims will have increased rates.

    The next table shows the historical insurance loss data for Hyundai Elantra vehicles. For each insurance policy coverage type, the claim amount for all vehicles, as a total average, is a value of 100. Percentage numbers below 100 imply a favorable loss record, while percentages above 100 indicate more frequent losses or tendency to have larger claims.

    Insurance Loss Ratings for Hyundai Elantra Vehicles
    Specific Hyundai Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Hyundai Elantra 102 102 90 133 137 117
    Hyundai Elantra GT 95 91 95 112 114 107

    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance agent or online?

A small number of people prefer to sit down and talk to an agent and that is OK! Most agents can help determine the best coverages and give you someone to call. An additional benefit of getting online price quotes is that you can find better rates and still buy from a local agent. Buying from local agencies is still important in Tulsa.

Tulsa insurance agentsAfter filling out this simple form, your information is instantly submitted to companies in Tulsa that give free quotes and help you find cheaper coverage. There is no need to leave your house since rate quotes are delivered instantly to you. If for some reason you want to get a comparison quote from a specific insurance company, you can always go to their quote page and complete a quote there.

Not all car insurance agents are the same

If you want to use a good Tulsa insurance agent, you must know there are a couple types of insurance agents to choose from. Insurance policy providers can be categorized as either exclusive agents or independent agents. Either can handle insurance, but it's worth mentioning how they differ because it may have an impact on which type of agent you select.

Independent Insurance Agencies

Independent agencies do not sell for just one brand so they can quote policies through many companies and get you the best rates possible. If you want to switch companies, your policy is moved internally which requires no work on your part.

If you are trying to find cheaper rates, you absolutely need to compare quotes from several independent agencies in order to compare the most rates.

The following is a partial list of independent insurance agents in Tulsa who may be able to give you free price quotes.

1618 W 51st St - Tulsa, OK 74107 - (918) 949-3555 - View Map

Glass Insurance Agency, Inc
4500 S Garnett Rd #914 - Tulsa, OK 74146 - (918) 663-5314 - View Map

4100 E 51st St #105 - Tulsa, OK 74135 - (918) 743-2886 - View Map

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Exclusive Insurance Agents

Exclusive agents can only write with one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot give you multiple price quotes so they have to upsell other benefits. They are well schooled on sales techniques which helps overcome the inability to quote other rates.

Below are exclusive insurance agents in Tulsa willing to provide rate quotes.

2828 E 91st St - Tulsa, OK 74137 - (918) 298-5444 - View Map

5800 S Lewis Ave Ste 149 - Tulsa, OK 74105 - (918) 749-1300 - View Map

3315 S Yale Ave Ste 200 - Tulsa, OK 74135 - (918) 742-2784 - View Map

More insurance agents

Selecting a insurance agent should include more criteria than just a cheap quote. Any agent in Tulsa should have no problem answering these questions:

  • Does the company use OEM repair parts?
  • Can glass repairs be made at your home?
  • By raising physical damage deductibles, how much would you save?
  • How often do they review coverages?
  • Do they regularly work with personal auto policies in Tulsa?
  • What is the agency's Better Business Bureau rating?

Be persistent and save

Discount Hyundai Elantra insurance in Tulsa is available both online and from local insurance agents, so you need to shop Tulsa car insurance with both to get a complete price analysis. A few companies may not have online price quotes and many times these smaller providers provide coverage only through independent insurance agencies.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice collision coverage only to discover later that it was a big error on their part. The aim is to purchase a proper amount of coverage at a price you can afford, but don't skip important coverages to save money.

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