Are you a victim of overpriced Kia Stinger insurance in Tulsa? Don’t feel bad because there are many Tulsa drivers thinking the same thing.
It’s astonishing, but about 70% of customers kept their coverage with the same insurance company for four years or more, and 38% of customers have never even compared rates from other companies. Most drivers in Tulsa could cut their rates by roughly $551 a year by just comparing rate quotes, but they won’t spend time to compare rates online.
How to find cheaper Kia Stinger insurance in Tulsa
If you want to save money, the best way to find affordable quotes for Kia Stinger insurance is to compare prices once a year from insurance carriers who sell auto insurance in Tulsa.
- Try to learn about what coverages are included in your policy and the factors you can control to drop your rates. Many things that result in higher prices like your driving record and a poor credit rating can be eliminated by making minor changes in your lifestyle. This article gives more details to get cheaper coverage and get additional discounts that may be available.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive or State Farm, while independent agents can provide rate quotes from multiple sources.
- Compare the quotes to your existing rates and see if you can save money. If you find a lower rate quote, ensure there is no coverage lapse between policies.
- Provide notification to your current company of your intention to cancel your current coverage. Submit a signed application and payment to the new company. Make sure you place the new certificate of insurance with your vehicle’s registration.
The most important part of shopping around is that you’ll want to make sure you compare similar limits and deductibles on every quote and and to get rate quotes from as many companies as feasibly possible. Doing this provides a fair rate comparison and the best price quote selection.
Online insurance companies like Progressive, State Farm and GEICO continually hit you with advertising and it can be hard to see past the geckos and flying pigs and find the best price available.
Buy Tulsa Kia Stinger insurance online
Most major insurance companies such as GEICO, State Farm and Progressive allow consumers to get prices from their websites. The process is pretty easy as you simply type in the amount of coverage you want into the quote form. After the form is submitted, the system will order your credit score and driving record and gives you a price quote determined by many factors. Using the web to get quotes for Kia Stinger insurance in Tulsa makes it a lot easier to compare rates and it’s necessary to have as many quotes as possible if you want to find the lowest possible payments on insurance.
In order to find out what other companies charge, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you copy the coverage information as shown on your current policy. This way, you will have an apples-to-apples comparison for similar coverage.
The following companies offer price quotes in Oklahoma. In order to find the cheapest car insurance in OK, we recommend you visit several of them in order to find the cheapest rates.
Protect more than your Kia vehicle
Despite the fact that auto insurance is not cheap in Tulsa, insuring your vehicle is required in Oklahoma but also provides important benefits.
- Most states have mandatory insurance requirements which means you are required to buy specific limits of liability coverage if you want to drive legally. 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.
- If you bought your vehicle with a loan, more than likely the lender will make it a condition of the loan that you have physical damage coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank may insure your Kia for a lot more money and force you to reimburse them the higher premium.
- Insurance safeguards both your car and your assets. It will also provide coverage for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage will also pay to defend you if anyone sues you for causing an accident. If your Kia gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of carrying adequate insurance are definitely more than the cost, especially for larger claims. Today the average American driver overpays as much as $820 a year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.
Don’t overlook these Kia Stinger insurance discounts
Some insurance providers don’t always publicize every available discount very well, so the list below contains a few of the more common as well as some of the hidden savings tricks you should be using when you buy Tulsa auto insurance online.
- Low Mileage – Low annual miles can qualify you for lower prices due to less chance of an accident.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
- Tulsa Homeowners Pay Less – Owning your own home or condo can save you money because of the fact that having a home requires a higher level of personal finance.
- Full Payment Discount – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.
- College Student Discount – Any of your kids living away from Tulsa attending college and do not have access to a covered vehicle may qualify for this discount.
Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.
The best insurance companies and the discounts they provide are shown below.
- State Farm includes discounts for multiple policy, driver’s education, Steer Clear safe driver discount, good driver, and defensive driving training.
- Liberty Mutual discounts include new graduate, multi-car, hybrid vehicle, new vehicle discount, and safety features.
- American Family offers discounts including good student, air bags, mySafetyValet, bundled insurance, and good driver.
- Progressive may have discounts that include online quote discount, multi-vehicle, good student, continuous coverage, multi-policy, online signing, and homeowner.
- Farmers Insurance policyholders can earn discounts including mature driver, distant student, switch companies, teen driver, and multi-car.
- Auto-Owners Insurance has savings for air bags, anti-lock brakes, student away at school, safe vehicle, group or association, company car, and paperless.
- SAFECO has discounts for safe driver, bundle discounts, homeowner, anti-lock brakes, and drive less.
Check with all the companies how many discounts you can get. Some discounts may not apply to policies in Tulsa. If you would like to choose from a list of providers with the best discounts in Tulsa, follow this link.
There’s no such thing as the perfect car insurance policy
When choosing insurance from an agent or online for your vehicles, there really is not a cookie cutter policy. You are unique and your policy should reflect that.
Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.
- Am I covered by my spouse’s policy after a separation?
- Can I afford to pay high deductible claims out of pocket?
- Is my Kia Stinger covered if I use it for business?
- Do I need to file an SR-22 for a DUI in Oklahoma?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Are my tools covered if they get stolen from my vehicle?
- Should I pay a claim out-of-pocket?
- Am I covered when driving someone else’s vehicle?
- Are rental cars covered under my policy?
- What if I don’t agree with a claim settlement offer?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.