Perplexed by the dozens of auto insurance providers in your area? There are so many providers available that it can easily turn into a real hassle to find the lowest price for Chrysler Sebring insurance in Tulsa. Tulsa is a wonderful place to live, but expensive premiums for auto insurance can make it hard for many drivers to afford coverage.
Unbelievable but true according to a study a large majority of consumers have purchased from the same company for at least the last four years, and virtually 40% of consumers have never even shopped around for affordable coverage. Many drivers in Oklahoma could save $600 a year just by comparing rates, but they just assume it’s a time-consuming process to compare rates online.
You should make it a habit to do rate comparisons quite often because prices change regularly. Even if you got the best quotes on Chrysler Sebring insurance in Tulsa on your last policy you can probably find a better rate now. Block out anything you think you know about auto insurance because you’re about to learn one of the easiest ways to get good coverage on Chrysler Sebring insurance in Tulsa at a lower rate.
When comparing car insurance rates, know that comparing all the rates in your area will increase your chances of finding the best rates. Not every company provides Tulsa Sebring insurance quotes over the internet, so it’s necessary to compare price estimates from those companies as well.
The companies shown below are our best choices to provide price comparisons in Tulsa, OK. To buy cheap car insurance in Tulsa, it’s highly recommended you compare several of them to get the cheapest price.
Discounts for affordable auto insurance rates
Companies don’t always list every available discount very well, so the following list contains some of the more common and also the lesser-known discounts you could be receiving when you buy Tulsa auto insurance online.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
- Theft Deterrent – Vehicles that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Tulsa auto insurance quote.
- Discount for Life Insurance – If the company offers life insurance, you could get a discounted price on car insurance if you buy auto and life insurance together.
- E-sign – A handful of companies will give a small break for signing up digitally online.
- ABS Braking Discount – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
- Low Miles Discount – Driving fewer miles could qualify for discounted premium rates on garaged vehicles.
- Accident Free – Claim-free drivers can earn big discounts when compared to drivers with a long claim history.
- Telematics Data – Policyholders that allow companies to analyze when and where they use their vehicle by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.
- No Charge for an Accident – This one isn’t a discount, but some insurance companies may permit one accident before hitting you with a surcharge if your claims history is clear prior to being involved in the accident.
Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, that’s just not realistic.
The information below illustrates the difference between Chrysler Sebring insurance prices with and without discounts being applied to the rates. The prices are based on a male driver, no claims or violations, Oklahoma state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, marriage, and claim-free discounts applied.
Companies and the discounts they provide include:
- State Farm may offer discounts for multiple autos, driver’s education, anti-theft, good student, Drive Safe & Save, multiple policy, and passive restraint.
- Liberty Mutual may include discounts for preferred payment discount, multi-car, teen driver discount, newly married, and multi-policy.
- American Family discounts include early bird, defensive driver, bundled insurance, good student, mySafetyValet, and multi-vehicle.
- Progressive offers discounts for multi-vehicle, multi-policy, continuous coverage, good student, online quote discount, homeowner, and online signing.
- Farmers Insurance includes discounts for business and professional, teen driver, youthful driver, electronic funds transfer, early shopping, pay in full, and good student.
- Auto-Owners Insurance has savings for mature driver, group or association, multi-policy, anti-theft, and company car.
- SAFECO offers discounts including safe driver, multi-car, teen safe driver, drive less, bundle discounts, and accident prevention training.
Before purchasing a policy, check with every prospective company which discounts they offer. Savings may not apply to policyholders in Tulsa. To see insurance companies that offer multiple discounts in Oklahoma, click this link.
Analysis of Chrysler Sebring rates
The coverage information displayed below highlights estimates of insurance prices for Chrysler Sebring models. Being more informed about how rate quotes are calculated can help you make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $184 | $424 | $470 | $28 | $140 | $1,246 | $104 |
| Sebring Limited 4-Dr Sedan | $184 | $424 | $470 | $28 | $140 | $1,246 | $104 |
| Sebring LX 2-Dr Convertible | $208 | $424 | $470 | $28 | $140 | $1,270 | $106 |
| Sebring Touring 2-Dr Convertible | $208 | $424 | $470 | $28 | $140 | $1,270 | $106 |
| Sebring Limited 2-Dr Convertible | $232 | $488 | $470 | $28 | $140 | $1,358 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Table data does not factor in specific garaging location which can raise or lower insurance rates substantially.
Deductible analysis
One of the more difficult decisions when buying car insurance is how high should your deductibles be. The figures shown below can help illustrate how much more you’ll pay between high and low policy deductibles. The first table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $346 | $688 | $448 | $26 | $134 | $1,667 | $139 |
| Sebring Limited 4-Dr Sedan | $346 | $688 | $448 | $26 | $134 | $1,667 | $139 |
| Sebring LX 2-Dr Convertible | $392 | $688 | $448 | $26 | $134 | $1,713 | $143 |
| Sebring Touring 2-Dr Convertible | $392 | $688 | $448 | $26 | $134 | $1,713 | $143 |
| Sebring Limited 2-Dr Convertible | $436 | $792 | $448 | $26 | $134 | $1,861 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $214 | $432 | $448 | $26 | $134 | $1,254 | $105 |
| Sebring Limited 4-Dr Sedan | $214 | $432 | $448 | $26 | $134 | $1,254 | $105 |
| Sebring LX 2-Dr Convertible | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| Sebring Touring 2-Dr Convertible | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| Sebring Limited 2-Dr Convertible | $270 | $498 | $448 | $26 | $134 | $1,376 | $115 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price estimates do not factor in garaging location in Tulsa which can impact prices significantly.
We can derive from the above data that using a $250 deductible would cost the average driver about $36 more each month or $432 for a full year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 21 months between claims, you would more than likely save some money if you elect the higher deductible. Below is a better example of how this calculation is made.
| Average monthly premium for $250 deductibles: | $144 |
| Average monthly premium for $1,000 deductibles (subtract): | – $108 |
| Monthly savings from raising deductible: | $36 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $36 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
How violations and accidents impact rates
The diagram below demonstrates how citations and at-fault fender-benders influence Chrysler Sebring auto insurance costs for different age groups. The data assumes a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
Cost comparison with and without full coverage
The diagram below shows the comparison of Chrysler Sebring insurance premiums with and without physical damage coverage. The costs are based on no claims or violations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Should you be buying full coverage?
There is no specific rule to delete physical damage insurance, but there is a general convention. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s say your Chrysler Sebring replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after the policy deductible has been paid. If premiums are more than $300 annually for full coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where dropping full coverage is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not drop full coverage.
Get rate quotes but still have a local Tulsa insurance agent
Certain consumers just want to talk to an insurance agent. One of the best bonuses of comparing rate quotes online is that you can find the lowest rates but still work with a licensed agent.
Upon completion of this short form, the coverage information is sent to agents in your area who will return price quotes for your insurance coverage. You don’t have to contact any insurance agencies due to the fact that quote results will go to your email. It’s the lowest rates AND an agent nearby. If for some reason you want to quote rates from one company in particular, feel free to find their quoting web page and fill out their quote form.
Picking the best insurer shouldn’t rely on just the price. Here are some questions you should ask.
- Which family members are covered?
- Is coverage determined by price?
- Is the agent properly licensed in Oklahoma?
- Are they primarily personal or commercial lines agents in Tulsa?
- Does the agent recommend any additional coverage?
The difference between Tulsa car insurance agents
If you want to buy insurance from a reliable insurance agent, it’s helpful to know the types of agencies and how they are slightly different. Agents are classified as either independent (non-exclusive) or exclusive.
Exclusive Agents
Exclusive agents are contracted to one company and examples are Farmers Insurance and State Farm. They usually cannot provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agents are highly trained in insurance sales which helps them sell insurance even at higher premiums. Consumers often use the same exclusive agent primarily because of loyalty to the company rather than low rates.
The following are exclusive insurance agencies in Tulsa willing to provide comparison quotes.
- Janine Billings – State Farm Insurance Agent
4401 S Peoria Ave A – Tulsa, OK 74105 – (918) 747-9555 – View Map - State Farm: Ron Lockney
2828 E 91st St – Tulsa, OK 74137 – (918) 298-5444 – View Map - Allstate Insurance: Ron Henderson
8733 S Lewis Ave – Tulsa, OK 74137 – (918) 291-7400 – View Map
Independent Insurance Agencies
Agents in the independent channel often have affiliation with several companies so they have the ability to put coverage with lots of companies and find you the best rates. To transfer your coverage to a different company, your agent can just switch to a different company without you having to go to a different agency. When comparing rate quotes, you definitely need to check rates from a couple of independent agencies in order to have the best price comparison. Most have the option of insuring with small mutual carriers which can be an advantage.
The following are Tulsa independent agents who can help you get rate quotes.
- Bracken Insurance Agency
9717 E 42nd St, Suite 105 – Tulsa, OK 74146 – (918) 744-4440 – View Map - Jimmie A Neely Insurance
4444 E 66th St – Tulsa, OK 74136 – (918) 494-0600 – View Map - Charles G. Harris Insurance
4724 S Union Ave – Tulsa, OK 74107 – (918) 446-4421 – View Map
Reduce Insurance Rates with These Tips
Multiple criteria are used in the calculation when premium rates are determined. Most are fairly basic like your driving record, although some other factors are not quite as obvious like your continuous coverage or how financially stable you are. Part of the auto insurance buying process is learning some of the elements that aid in calculating your auto insurance rates. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower premium levels.
The list below includes a few of the “ingredients” used by insurance companies to determine your rate level.
- Keep the miles off and save – Driving a lot of miles annually the higher the price you pay to insure it. A lot of companies charge rates determined by how the vehicle is used. Cars that do not get driven very much receive better premium rates compared to those used for work or business. Incorrect rating for your Sebring may be costing you. It’s always a good idea to double check that your auto insurance declarations sheet properly reflects the correct usage.
- Your location is a factor – Choosing to live in less populated areas can be a good thing when talking about auto insurance. City drivers tend to have traffic congestion and more severe claims. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
- Qualify for multi-policy discounts – The majority of companies will award discounts to buyers who buy several policies from them such as combining an auto and homeowners policy. The discount can add up to ten or even fifteen percent. Even though this discount sounds good, drivers will still want to comparison shop to help guarantee you have the best rates. You may still save more without the discount by buying from different companies
- Prevent coverage lapses – Driving with no insurance can get your license suspended and companies may charge more for letting your coverage cancel without a new policy in place. Not only will you pay higher rates, getting caught without coverage may result in a steep fine or even jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Oklahoma motor vehicle department.
Car insurance does more than just protect your car
Even though it can be expensive, paying for car insurance is required for several reasons.
- Just about all states have minimum liability requirements which means you are required to carry specific minimum amounts of liability 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.
- If you have a lien on your Chrysler Sebring, it’s guaranteed your bank will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank or lender will purchase a policy for your Chrysler for a much higher rate and require you to fork over for it.
- Insurance safeguards not only your car but also your financial assets. It will also cover many types of medical costs incurred in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If damage is caused by hail or an accident, your car insurance policy will pay to repair the damage.
The benefits of carrying adequate insurance definitely exceed the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver overpays as much as $800 each year so you should quote rates at least once a year to ensure rates are inline.
A conclusion for your car insurance search
Consumers switch companies for a variety of reasons including extreme rates for teen drivers, delays in paying claims, lack of trust in their agent or not issuing a premium refund. No matter why you want to switch, switching companies is easier than you think.
You just read many ideas to save on Chrysler Sebring insurance in Tulsa. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company.
There are still a few companies who may not have price quotes online and many times these regional insurance providers only sell through independent agencies. Cheaper Chrysler Sebring insurance in Tulsa can be purchased on the web and with local Tulsa insurance agents, and you should compare rates from both so you have a total pricing picture.
How to find cheaper rates for Chrysler Sebring insurance in Tulsa
The best way we recommend to find low-cost auto insurance rates in Tulsa is to make a habit of comparing prices annually from companies who can sell car insurance in Oklahoma. Drivers can shop around by following these guidelines.
First, take a little time to learn about how companies set rates and the measures you can control to prevent rate increases. Many policy risk factors that result in higher prices such as multiple speeding tickets and a less-than-favorable credit rating can be amended by being financially responsible and driving safely.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple insurance companies.
Third, compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available in Tulsa. If you find a better price and switch companies, make sure coverage is continuous and does not lapse.
One bit of advice is that you’ll want to make sure you compare similar coverage information on each quote and and to get rates from as many companies as feasibly possible. This guarantees a level playing field and a good representation of prices.
Much more information about car insurance in Oklahoma is located at these links:
- Medical Payments Coverage (Liberty Mutual)
- Who Has Affordable Car Insurance Rates for Ride Shares in Tulsa? (FAQ)
- What Auto Insurance is Cheapest for a Honda Accord in Tulsa? (FAQ)
- Who Has the Cheapest Tulsa Car Insurance Rates for Teenage Females? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Teenagers in Tulsa? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)