The most effective way to get discount car insurance rates is to make a habit of comparing prices annually from insurers who provide car insurance in Tulsa. Rate comparisons can be done by following these guidelines.
First, spend a few minutes and learn about auto insurance and the things you can control to keep rates low. Many factors that drive up the price such as accidents, traffic violations, and a low credit score can be controlled by making minor driving habit or lifestyle changes. Read the full article for the details to help prevent costly coverage and get bigger discounts.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes from multiple sources.
Third, compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find a lower rate quote, verify that coverage does not lapse between policies.
Fourth, tell your current company of your intent to cancel your current coverage. Submit a down payment along with a completed application for your new policy. Immediately upon receiving it, place your new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
An important note is to use identical coverages on every quote and and to get price quotes from as many car insurance companies as possible. This helps ensure a fair price comparison and the best price quote selection.
It’s hard to believe, but a large majority of drivers have bought insurance from the same company for well over three years, and almost half have never shopped around. With the average insurance premium being $1,847, U.S. drivers could save $860 each year, but they underestimate the rate savings if they bought a different policy.
Comparison shopping for the lowest-priced policy in Tulsa is quite easy. Nearly every car owner who quotes car insurance should find a lower price. But Oklahoma consumers do need to know the methods companies use to calculate your policy premium and use it to find better rates.
Cheapest companies for BMW Alpina B7 insurance
The car insurance companies shown below are ready to provide free rate quotes in Oklahoma. If multiple companies are listed, we suggest you click on several of them to get the best price comparison.
These discounts can lower BMW Alpina B7 insurance rates
Insuring your fleet can be pricey, but you may be missing some discounts to reduce the price significantly. Some discounts will apply when you purchase, but a few need to be specifically requested in order for you to get them.
- Paper-free Discount – Some auto insurance companies will provide an incentive simply for signing on the internet.
- No Accidents – Drivers who don’t have accidents pay less as compared to policyholders that have many claims.
- Good Student Discount – This discount may save you up to 25%. You can use this discount normally until age 25.
- College Student Discount – Any of your kids who are enrolled in higher education away from home and do not take a car to college may qualify for this discount.
- Savings for New Vehicles – Buying a new car instead of a used Alpina B7 can save you some money because new model year vehicles have to meet stringent safety requirements.
- Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Liberty Mutual and GEICO will let one accident slide before they charge you more for coverage if you are claim-free prior to the accident.
- Telematics Data Discounts – Insureds who allow companies to scrutinize their driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they show good driving skills.
It’s important to understand that some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.
A few companies who may offer most of these discounts include:
- State Farm
- Liberty Mutual
- American Family
- Progressive
- Farmers Insurance
- Auto-Owners Insurance
- SAFECO
If you need inexpensive Tulsa car insurance quotes, ask each insurance company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in your state. To choose insurers that offer discounts in Oklahoma, click this link.
Do I need an insurance agency?
Some people still like to talk to a local agent and that is not a bad decision The biggest benefit of comparing rate quotes online is that you can find cheaper prices and still have a local agent. Buying from and supporting local insurance agencies is important particularly in Tulsa.
By using this short form, your information is submitted to local insurance agents that give free quotes for your car insurance coverage. You won’t even need to find an agent on your own since rate quotes are delivered directly to your email. You can find better rates without a big time investment. If for some reason you want to compare prices for a specific company, don’t hesitate to navigate to their website to submit a rate quote request.
If you are searching for a reliable agent, you need to know there are two different types of agencies that you can select. Insurance agencies in Tulsa are categorized either exclusive agents or independent agents.
Independent Car Insurance Agencies
Agents of this type are not required to write business for one company and that is an advantage because they can write policies through many different car insurance companies and potentially find a lower price. If your premiums go up, the business is moved internally and the insured can keep the same agent.
When searching for an agent, we recommend you include a couple of independent agencies in order to compare the most rates. Many write coverage with companies that do not advertise much that may provide cheaper car insurance rates.
Below is a partial list of independent agents in Tulsa who may provide comparison quotes.
- Sawyer-Phillips and Associates, Inc.
6666 S Sheridan Rd #220 – Tulsa, OK 74133 – (918) 794-4000 – View Map - Charles G. Harris Insurance
4724 S Union Ave – Tulsa, OK 74107 – (918) 446-4421 – View Map - GDK Insurance Agency, Inc.
3908 E 31st St – Tulsa, OK 74135 – (918) 742-5861 – View Map
Exclusive Insurance Agencies
Exclusive agencies work for only one company and examples are American Family, State Farm, and AAA. Exclusive agents cannot place coverage with different providers so always compare other rates. Exclusive insurance agents are trained well on their products and sales techniques which can be an advantage. Consumers sometimes buy insurance from these agents mainly due to high brand loyalty and the convenience of having all coverages with one company.
The following are Tulsa exclusive insurance agents willing to provide price quote information.
- State Farm: Stephen Garcille
8165 E 31st St – Tulsa, OK 74145 – (918) 627-8883 – View Map - Janine Billings – State Farm Insurance Agent
4401 S Peoria Ave A – Tulsa, OK 74105 – (918) 747-9555 – View Map - Bob Breitenstein – State Farm Insurance Agent
7318 S Yale Ave – Tulsa, OK 74136 – (918) 492-7600 – View Map
Finding the right insurance agency should depend on more than just a cheap price quote. You should also get answers to these questions.
- What insurance companies do they recommend if they are an independent agent?
- Is there any savings for paying the full premium?
- Are they full-time agents?
- Do they make recommendations based only on price?
- Is the coverage adequate for your vehicle?
Upon receiving good answers to these questions as well as a price you’re happy with, you have narrowed it down to an insurance agent that is reliable enough to insure your vehicles. Just remember policyholders can cancel coverage at any time so don’t assume that you are permanently stuck with a specific agent indefinitely.
Tulsa auto insurance companies ranked
Insuring your vehicle with the highest-rated car insurance company can be a challenge considering how many companies sell coverage in Tulsa. The information in the lists below can help you select which car insurance providers to look at when shopping your coverage around.
Top 10 Tulsa Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Tulsa Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
In conclusion
When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where someone sacrificed liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.
Consumers change insurance companies for any number of reasons including high prices, questionable increases in premium, delays in paying claims or unfair underwriting practices. It doesn’t matter why you want to switch switching companies is easier than you think.
Cheaper car insurance in Tulsa can be found online in addition to local insurance agencies, so you need to quote Tulsa car insurance with both so you have a total pricing picture. There are still a few companies who do not offer rate quotes online and many times these smaller companies only sell through independent agents.
More detailed car insurance information can be found in the articles below:
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Who Has Cheap Tulsa Auto Insurance Rates for Real Estate Agents? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Teenagers in Tulsa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a 20 Year Old Female in Tulsa? (FAQ)
- How Much is Auto Insurance for College Students in Tulsa? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Distracted Driving Statistics (Insurance Information Institute)