You’ve seen the ads from auto insurance companies like State Farm and Nationwide that make promises of the cheapest rates, so you just need to choose the one with the most memorable commercial, right?
It’s not quite that easy, unfortunately, as there are a whole bunch of unknown factors like how high your deductibles should be, if you need full coverage or just liability, how far you drive each year, and the safety ratings of your vehicle. The content below covers the best ways to find cheap car insurance and should give you some help in finding cheaper rates.
The vehicle model you are insuring is probably the most important factor when looking for the best cheap auto insurance for state employees. Vehicles with higher performance characteristics, a lack of modern safety features, or high incidents of liability claims will cost substantially more to insure than safer models.
The information below showcases insurance rates for a number of the cheaper vehicles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,112|
|Honda Accord LX 4-Dr Sedan||$1,119|
|Honda CR-V EX-L 2WD||$1,142|
|Dodge Grand Caravan Hero||$1,176|
|Chevrolet Impala LT||$1,182|
|Chevrolet Equinox LS 2WD||$1,176|
|Ford F-150 XLT Regular Cab 2WD||$1,185|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,212|
|Honda Civic VP 4-Dr Sedan||$1,218|
|Volkswagen Jetta S 2.5 Station Wagon||$1,215|
|Hyundai Elantra GLS 4-Dr Sedan||$1,237|
|Toyota Tacoma X-Runner 2WD||$1,247|
|Ford Explorer Eddie Bauer 2WD||$1,241|
|Ford Edge SE AWD||$1,251|
|Honda Odyssey EX||$1,257|
|Toyota Corolla XRS||$1,258|
|Toyota RAV4 Limited 4WD||$1,278|
|Chevrolet Malibu LS||$1,314|
|Toyota Camry Hybrid||$1,344|
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in specific garaging location which can impact price quotes greatly.
Based on these rates, we can conclude that cars like the Ford Escape, Honda Accord, Honda CR-V, and Dodge Grand Caravan will be some of the cheaper vehicles to insure for state workers.
Determining which company offers the cheapest car insurance rates for state employees will require a bit more effort in order to find the lowest price quote.
Each insurance company has their own formula to set policy rates, so let’s take a look at the car insurance companies with the overall cheapest rates in Tulsa. It’s a good idea to be aware that Tulsa, OK car insurance rates are impacted by many factors that may substantially change the price you pay for coverage. Simply having a birthday, increasing liability limits, or getting a DUI may generate price changes that can make some companies affordable when they were higher priced.
Find Cheaper Auto Insurance in Oklahoma
Oklahoma Farmers Union offers some of the lowest car insurance rates in Tulsa at around $1,166 each year. This is $801 less than the average price paid by Oklahoma drivers of $1,967. USAA, Safe Auto, The Hartford, and GEICO also rank well as some of the best Tulsa, OK auto insurance companies.
As illustrated above, if you currently have coverage with The Hartford and switched to Oklahoma Farmers Union, you might realize yearly savings of approximately $207. Customers with GEICO might save as much as $215 a year, and Farmers insureds might see rate reductions of $256 a year.
To see how much you can save, click here to get a free quote or click several companies below for low rates.
Remember that these estimates are averages across all drivers and vehicles and and are not calculated with an exact location for state employees. So the insurer that fits your age and vehicle best may not even be in the top 17 companies in the list above. That underscores the importance of why you need to quote rates from many companies using your own personal information and vehicle type.
For state workers, one of the largest considerations that are used to help calculate the price you pay for insurance is where you live in Tulsa. Cities with larger populations or higher claim trends are more likely to have higher rates, whereas areas with less congestion profit from lower rates.
The information below rates the most costly cities in Oklahoma for state employees to buy auto insurance in. Tulsa is ranked #1 with an annual cost of $2,282 for the average policy, which is approximately $190 per month.
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Information shown are approximated as zip code location can affect insurance rates greatly.
Get discount Tulsa car insurance
Insurance providers that offer coverage for state employees may also provide price discounts that could lower prices by as much as 35% or more if you meet certain criteria. Popular car insurance companies and some of the discounts are detailed below.
- GEICO may have discounts that include anti-lock brakes, air bags, daytime running lights, five-year accident-free, and multi-policy.
- SAFECO has discounts for multi-car, teen safety rewards, anti-theft, accident prevention training, and safe driver.
- State Farm has savings for student away at school, good student, passive restraint, good driver, multiple policy, anti-theft, and Drive Safe & Save.
- MetLife discounts include claim-free, good driver, good student, multi-policy, and defensive driver.
- 21st Century offers premium reductions for anti-lock brakes, homeowners, early bird, driver training, and student driver.
- Progressive offers discounts for continuous coverage, online signing, online quote discount, multi-policy, multi-vehicle, and homeowner.
The example below shows the comparison of insurance costs with and without policy discounts. The premiums assume a female driver, no tickets, no at-fault accidents, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with claim-free, multiple vehicle, marriage, homeowner, accident-free, and passive restraint discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for state employees is 28% or $833.
Liability only or full coverage
Buying cheaper car insurance is important to the majority of vehicle owners, and one great way to buy cheap insurance for state employees is to buy only liability coverage. The example below visualizes the comparison of insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Oklahoma. Data assumes no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
As an average for all age groups, physical damage coverage on your policy costs an additional $1,878 per year over and above liability coverage. That is a large expense and it proposes the question if it’s a good idea to buy full coverage. There is no definitive formula that works best for making the decision to drop comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s say your vehicle’s settlement value is $8,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $7,500 after the deductible is paid. If premiums are more than $750 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
If you wish to get some professional input when shopping for cheaper insurance for state employees, the professional agents shown below can help you decide which coverage meets your needs best. To locate a Tulsa insurance agent nearest to you, click the link after the list.
GEICO Insurance Agent
8353 S Memorial Dr – Tulsa, OK 74133 – (918) 384-0707
Elonda Wicks – State Farm Insurance Agent
5807 S Garnett Rd g – Tulsa, OK 74146 – (918) 252-3313
Cathy Warren – State Farm Insurance Agent
6119 E 91st St Ste 100 – Tulsa, OK 74137 – (918) 481-6655
Mclemore Insurance Inc
6965 S 69th E Ave – Tulsa, OK 74133 – (918) 743-9868
Jake Phillip – State Farm Insurance Agent
5113 S Peoria Ave – Tulsa, OK 74105 – (918) 743-5501
How to find more affordable car insurance for state employees
It is possible to find better rates, and here are some thrifty ideas that can help you locate cheap auto insurance.
- Good credit scores may lower your rates
- Bundle home or renters insurance to earn a discount on car insurance
- Keep your driving record clean
- Pay for smaller claims out-of-pocket
- Raise your deductibles
- Do not get into accidents
- Compare rate quotes frequently
That last piece of advice is incredibly critical, as was noted in the prior article. Rates can change significantly in a year, so don’t hesitate to buy from a different company if you find a better deal. Staying with the same car insurance company is fine, but it’s not recommended if that dedication is costing thousands of dollars over the life of your policy. In just a couple of minutes you could shop around to find cheaper car insurance for state employees in Tulsa.