If you are new to getting Tulsa car insurance quotes online, you can be confused by the sheer number of online car insurance companies and websites competing for your business.
How to buy low-cost Audi A4 insurance in Tulsa
If you want to save the most money, the best way to get the cheapest Audi A4 insurance in Tulsa is to compare prices annually from providers who can sell car insurance in Oklahoma.
- Try to comprehend individual coverages and the modifications you can make to keep rates down. Many policy risk factors that cause high rates like inattentive driving and poor credit rating can be controlled by making minor changes in your lifestyle.
- Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and Allstate, while independent agents can provide prices from many different companies.
- Compare the new rates to your existing policy to determine if you can save on A4 insurance in Tulsa. If you find better rates and switch companies, verify that coverage does not lapse between policies.
- Give notification to your agent or company of your intent to cancel the current policy and submit payment and a completed application to the new company. Don't forget to store the proof of insurance certificate in your vehicle's glove compartment or console.
A good tip to remember is that you'll want to compare similar limits and deductibles on each quote and and to look at as many companies as feasibly possible. This enables a fair rate comparison and maximum price selection.
We don't have to point out that fact that insurance companies want to keep you from comparing prices. People who compare rates once a year will presumably move their business because the odds are good of finding better rates. A recent car insurance study revealed that consumers who made a habit of comparing rate quotes saved as much as $865 annually compared to those who never shopped around for cheaper prices.
If finding the lowest price for Audi A4 insurance in Tulsa is your target objective, then having some knowledge of how to find and compare auto insurance can make the process more efficient.
Consumers should take time to compare rates once or twice a year because rates fluctuate regularly. Even if you think you had the best deal on Audi A4 insurance in Tulsa two years ago the chances are good that you can find a lower price today. Ignore everything you know about car insurance because you're about to learn the only way to remove unneeded coverages and save money.
If you have a current auto insurance policy, you stand a good chance to be able to find the best rates using the following tips. This article's intent is to let you in on the best ways to compare prices and some money-saving tips. Although Oklahoma vehicle owners do need to understand how big insurance companies determine what you pay because rates are impacted by many factors.
The quickest method we recommend to compare insurance rates from multiple companies is to know all the major auto insurance companies participate in a system to provide you with free rate quotes. The one thing you need to do is spend a couple of minutes providing details including if your license is active, the year, make and model of vehicles, marital status, and whether the vehicles are used for commuting. The data is instantly sent to multiple different insurance companies and they respond with quotes immediately.
If you would like to start a quote now, click here and find out if you can get cheaper insurance in Tulsa.
The providers in the list below can provide free quotes in Tulsa, OK. In order to find cheap car insurance in Oklahoma, we suggest you visit two to three different companies to get the lowest price.
The coverage table displayed below showcases a range of insurance policy prices for Audi A4 models. Knowing how insurance prices are formulated can assist in making decisions when shopping around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A4 2.0T Quattro Premium Turbo Station Wagon||$268||$612||$606||$36||$182||$1,704||$142|
|A4 2.0T Premium Turbo 4-Dr Sedan||$268||$532||$606||$36||$182||$1,624||$135|
|A4 2.0T Quattro Premium Turbo 4-Dr Sedan||$268||$532||$606||$36||$182||$1,624||$135|
|A4 2.0T Quattro Premium Plus Turbo Station Wagon||$268||$612||$606||$36||$182||$1,704||$142|
|A4 2.0T Premium Plus Turbo 4-Dr Sedan||$298||$612||$606||$36||$182||$1,734||$145|
|A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan||$298||$612||$606||$36||$182||$1,734||$145|
|A4 2.0T Quattro Premium Plus 4-Dr Sedan||$298||$612||$606||$36||$182||$1,734||$145|
|A4 2.0T Quattro Prestige Turbo Station Wagon||$298||$612||$606||$36||$182||$1,734||$145|
|A4 2.0T Quattro Prestige 4-Dr Sedan||$298||$612||$606||$36||$182||$1,734||$145|
|A4 2.0T Quattro Prestige Turbo 4-Dr Sedan||$298||$612||$606||$36||$182||$1,734||$145|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in Tulsa location which can revise insurance rates considerably.
The example below demonstrates how deductibles and can impact Audi A4 insurance costs for each age group. The data assumes a single male driver, comp and collision included, and no policy discounts are applied.
Careless driving habits raise Tulsa car insurance rates
The example below highlights how traffic violations and at-fault fender-benders can influence Audi A4 premium costs for different age categories. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
Insuring your Audi A4 just makes sense
Despite the high insurance cost for a Audi A4 in Tulsa, maintaining insurance is required in Oklahoma but it also protects you in many ways.
First, most states have minimum liability requirements which means you are required to buy a minimum amount of liability coverage in order to be legal. 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 you have a lien on your vehicle, most lenders will require that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender will be forced to insure your Audi at a more expensive rate and require you to pay a much higher amount than you were paying before.
Third, car insurance protects not only your Audi A4 but also your assets. Insurance will pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your A4 outweigh the cost, especially when you need to use it. On average, a vehicle owner in Tulsa is currently overpaying as much as $865 each year so compare quotes from several companies at every renewal to save money.
Do you qualify for discounts on Audi A4 insurance in Tulsa?
Not too many consumers would say insurance is affordable, but there could be available discounts to help bring down the price. Some trigger automatically when you purchase, but lesser-known reductions have to be manually applied prior to getting the savings.
- Student in College - Kids living away from Tulsa attending college and leave their car at home could qualify for this discount.
- Discounts for Safe Drivers - Drivers who don't get into accidents may receive a discount up to 45% than drivers with accident claims.
- Clubs and Organizations - Being a member of a professional or civic organization can get you a small discount on your next renewal.
- No Accidents - Tulsa drivers who stay claim-free pay much less as opposed to insureds who have frequent claims or accidents.
- Sign Online - Many insurance companies will give you a small discount for buying your policy on their website.
- Service Members Pay Less - Being on active deployment in the military could be rewarded with lower insurance rates.
As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Even though it appears you would end up receiving a 100% discount, insurance companies aren't that generous.
The information below visualizes the comparison of Audi A4 insurance premiums with and without policy discounts. Data assumes a male driver, no accidents or driving violations, Oklahoma state minimum liability limits, full coverage, and $500 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, multi-policy, and claim-free discounts applied.
Some of the insurance companies that possibly offer some of the above discounts are:
If you need lower rates, check with all the companies to give you their best rates. Some of the earlier mentioned discounts may not be offered in your area.
Car insurance quotes from neighborhood Tulsa auto insurance agents
Many people still like to talk to an insurance agent and that can be a great decision The biggest benefit of comparing insurance prices online is that drivers can save money and get the best rates and still have an agent to talk to. Buying insurance from small agencies is especially important in Tulsa.
After filling out this simple form, your information is transmitted to insurance agents in Tulsa who will return price quotes for your coverage. There is no need to contact any insurance agencies because quoted prices will be sent straight to your inbox. You can find lower rates AND an agent nearby. If you have a need to get a comparison quote from a specific company, just jump over to their website and submit a quote form there.
Compare rates from both independent and exclusive car insurance agents
If you want to buy car insurance from a reliable insurance agency, it helps to know the two types of agencies and how they differ in how they quote coverages. Tulsa agents can be categorized as either independent agents or exclusive agents.
Independent Agents (or Brokers)
These type of agents are not employed by one company so they can quote policies with an assortment of companies and find you cheaper rates. If you want to switch companies, your agent can just switch to a different company and the insured can keep the same agent. When shopping rates, we highly recommend that you include price quotes from several independent insurance agents to ensure the widest selection of prices. They often place coverage with smaller regional carriers who may have lower rates.
Shown below is a short list of independent agencies in Tulsa who may provide price quotes.
- Admiral Insurance Agency
6710 E Admiral Pl - Tulsa, OK 74115 - (918) 836-5551 - View Map
- Sawyer-Phillips and Associates, Inc.
6666 S Sheridan Rd #220 - Tulsa, OK 74133 - (918) 794-4000 - View Map
- GDK Insurance Agency, Inc.
3908 E 31st St - Tulsa, OK 74135 - (918) 742-5861 - View Map
Exclusive Car Insurance Agents
Agents of this type can only provide pricing for a single company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so it's a take it or leave it situation. They are well trained on sales techniques and that allows them to sell at a higher price point. Many people buy from exclusive agents mostly because of the brand name instead of buying on price only.
Listed below is a short list of exclusive agents in Tulsa that can give you price quotes.
- Dustin Bass - State Farm Insurance Agent
8222 S Lewis Ave - Tulsa, OK 74137 - (918) 518-6700 - View Map
- State Farm: Ron Lockney
2828 E 91st St - Tulsa, OK 74137 - (918) 298-5444 - View Map
- GEICO Insurance Agent
8353 S Memorial Dr - Tulsa, OK 74133 - (918) 384-0707 - View Map
Choosing an car insurance agent should depend on more than just a cheap quote. Before buying a policy in Tulsa, get answers to these questions.
- How long has their agency been open in Tulsa?
- Do they regularly work with personal auto policies in Tulsa?
- Does their agency support local causes in Tulsa?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are all drivers listed on the coverage quote?
Best auto insurance company in Oklahoma
Ending up with a good quality insurer can be challenging considering how many companies sell insurance in Tulsa. The rank data in the next section may help you select which coverage providers to look at comparing rate quotes with.
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%
Top 10 Tulsa Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Don't assume everyone needs the same car insurance coverage
When selecting coverage online or from an agent, there isn't really a one-size-fits-all type of policy. Your needs are unique to you and your policy should reflect that. Here are some questions about coverages that may help highlight if your situation might need an agent's assistance.
- Am I covered by my employer's commercial auto policy when driving my personal car for business?
- Will I be non-renewed for getting a DUI or other conviction?
- How can I get the company to pay a claim?
- Why does it cost so much to insure a teen driver in Tulsa?
- Do I have coverage when pulling a U-Haul trailer?
- Are my friends covered when driving my car?
- Can I insure my car for more than it's worth?
- If my pet gets injured in an accident are they covered?
- What is covered by UM/UIM coverage?
If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.
What auto insurance coverages do you need?
Understanding the coverages of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages offered by auto insurance companies.
Auto collision coverage
This pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as backing into a parked car, sustaining damage from a pot hole, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible on your A4 to bring the cost down.
This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like theft, a tree branch falling on your vehicle, fire damage, damage from a tornado or hurricane and a broken windshield. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Coverage for liability
This protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn't cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for things like attorney fees, repair costs for stationary objects, legal defense fees, structural damage and emergency aid. How much coverage you buy is up to you, but you should buy higher limits if possible. Oklahoma state minimum liability requirements are 25/50/25 but it's recommended drivers buy higher limits.
The illustration below shows why the minimum limit may not be adequate.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage kick in for immediate expenses for prosthetic devices, funeral costs, hospital visits, doctor visits and chiropractic care. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Audi A4.
Due to the fact that many Oklahoma drivers carry very low liability coverage limits (which is 25/50/25), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are identical to your policy's liability coverage.
What is YOUR best insurance company?
Cost effective Audi A4 insurance can be bought from both online companies and from local insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not offer online rate quotes and usually these small insurance companies only sell through independent insurance agencies.
Throughout this article, we presented quite a bit of information on how to find affordable Audi A4 insurance in Tulsa. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may even be surprised to find that the lowest priced insurance comes from some of the lesser-known companies. They may often insure only within specific states and give better rates compared to the large companies like State Farm or Progressive.
As you restructure your insurance plan, make sure you don't sacrifice coverage to reduce premiums. Too many times, an accident victim reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage at the best price, but do not skimp to save money.
How to find cheaper quotes for Audi A4 insurance in Tulsa
If you want to save money, the best way to quote cheaper car insurance rates in Tulsa is to start doing a yearly price comparison from providers who sell auto insurance in Oklahoma.
Step 1: Try to comprehend how companies price auto insurance and the things you can change to lower rates. Many policy risk factors that result in higher prices like traffic violations, accidents, and a poor credit rating can be controlled by paying attention to minor details.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like GEICO and Allstate, while agents who are independent can provide prices from many different companies.
Step 3: Compare the quotes to your current policy to determine if you can save on A4 insurance. If you find a lower rate quote and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide notification to your current agent or company to cancel your current car insurance policy and submit a completed policy application and payment to the new company. Once the paperwork is finalized, keep your new proof of insurance certificate along with the vehicle's registration papers.
The critical component of shopping around is to use the same deductibles and limits on each price quote and and to compare as many car insurance companies as possible. This enables the most accurate price comparison and the best price selection.
More tips and info about insurance can be found in the articles below:
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Seniors in Tulsa? (FAQ)
- Who Has Cheap Tulsa Auto Insurance Rates for Real Estate Agents? (FAQ)
- Who Has the Cheapest Tulsa Auto Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Ford F-150 in Tulsa? (FAQ)
- What Insurance is Cheapest for State Employees in Tulsa? (FAQ)
- Information for Teen Drivers (GEICO)
- Distracted Driving Statistics (Insurance Information Institute)