Astonishing but true according to a recent study, 70% of consumers kept their coverage with the same car insurance company for well over three years, and approximately 40% of consumers have never even compared quotes to find affordable rates. Consumers in the U.S. could pocket about $860 a year, but they don’t know how much savings they would realize if they changed companies.
If you want to save the most money, the best way to find discount car insurance rates in Tulsa is to regularly compare prices from insurers in Oklahoma.
- First, read and learn about auto insurance and the factors you can control to keep rates low. Many things that cause high rates such as traffic violations, accidents, and an unacceptable credit score can be eliminated by making minor changes in your lifestyle. Keep reading for more information to get lower rates and get additional discounts that may be available.
- Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO and State Farm, while agents who are independent can quote prices for many different companies.
- Third, compare the new rate quotes to your existing policy to determine if you can save on F-250 insurance. If you find a lower rate quote and decide to switch, ensure there is no coverage lapse between policies.
A valuable tip to remember is to make sure you’re comparing similar limits and deductibles on every quote request and and to compare as many companies as you can. Doing this provides an accurate price comparison and the best price quote selection.
The best way we recommend to get policy rate comparisons for Ford F-250 insurance in Tulsa is to understand most insurance companies have advanced systems to provide you with free rate quotes. To get started, all you need to do is take a few minutes to give details like whether you drive to work or school, how many miles driven, your job, and whether you are married. That rating information is then submitted to multiple companies and they return quotes with very little delay.
To start a rate quote now, click here and complete the form.
The companies shown below are our best choices to provide free rate quotes in Tulsa, OK. If you wish to find cheap auto insurance in Tulsa, we suggest you visit as many as you can in order to get a fair rate comparison.
Rates and statistics
The information below highlights estimates of policy rates for Ford F-250 models. Having knowledge of how insurance policy premiums are calculated helps drivers make smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-250 XL 2WD||$332||$660||$658||$38||$198||$1,886||$157|
|F-250 XL Cabela Package 2WD||$376||$778||$658||$38||$198||$2,048||$171|
|F-250 XL Super Cab 2WD||$376||$778||$658||$38||$198||$2,048||$171|
|F-250 XLT 2WD||$376||$778||$658||$38||$198||$2,048||$171|
|F-250 XL 4WD||$376||$660||$728||$44||$218||$2,026||$169|
|F-250 XLT Super Cab 2WD||$376||$778||$658||$38||$198||$2,048||$171|
|F-250 XL Super Cab Cabela Package 2WD||$376||$778||$658||$38||$198||$2,048||$171|
|F-250 XL Harley Edition 2WD||$376||$778||$658||$38||$198||$2,048||$171|
|F-250 XL Crew Cab 2WD||$376||$778||$658||$38||$198||$2,048||$171|
|F-250 XLT 4WD||$376||$778||$728||$44||$218||$2,144||$179|
|F-250 XL Cabela Package 4WD||$376||$778||$728||$44||$218||$2,144||$179|
|F-250 XL Crew Cab 4WD||$376||$778||$728||$44||$218||$2,144||$179|
|F-250 XL Super Cab 4WD||$376||$778||$728||$44||$218||$2,144||$179|
|F-250 XL Crew Cab Cabela Package 2WD||$376||$896||$658||$38||$198||$2,166||$181|
|F-250 XL Super Cab Harley Edition 2WD||$376||$896||$658||$38||$198||$2,166||$181|
|F-250 XL Turbo Diesel 2WD||$376||$896||$658||$38||$198||$2,166||$181|
|F-250 King Ranch Crew Cab 2WD||$376||$896||$658||$38||$198||$2,166||$181|
|F-250 XLT Crew Cab 2WD||$376||$896||$658||$38||$198||$2,166||$181|
|F-250 XL Super Cab Cabela Package 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 XLT Super Cab 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 XL Harley Edition 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 King Ranch Crew Cab 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 Lariat Crew Cab 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XL Super Cab Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XL Crew Cab Harley Edition 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XL Crew Cab Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 Lariat Super Cab 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XL Super Cab Cabela Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XLT Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XL Cabela Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XLT Turbo Diesel 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 XLT Crew Cab 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 XL Super Cab Turbo Diesel 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 XL Crew Cab Harley Edition 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 XL Cabela Turbo Diesel 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 XL Crew Cab Turbo Diesel 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 Lariat Super Cab 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 XL Turbo Diesel 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 XL Super Cab Harley Edition 4WD||$418||$778||$728||$44||$218||$2,186||$182|
|F-250 XLT Super Cab Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XL Harley Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 King Ranch Crew Cab Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XL Super Cab Harley Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XLT Crew Cab Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XL Crew Cab Harley Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 XL Crew Cab Cabela Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 Lariat Super Cab Turbo Diesel 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|F-250 Lariat Crew Cab 4WD||$418||$896||$728||$44||$218||$2,304||$192|
|F-250 King Ranch Crew Cab Turbo Diesel 4WD||$418||$896||$728||$44||$218||$2,304||$192|
|F-250 XL Super Cab Cabela Turbo Diesel 4WD||$418||$896||$728||$44||$218||$2,304||$192|
|F-250 XLT Super Cab Turbo Diesel 4WD||$418||$896||$728||$44||$218||$2,304||$192|
|F-250 Cabela Crew Cab 4WD||$418||$896||$728||$44||$218||$2,304||$192|
|F-250 XL Harley Turbo Diesel 4WD||$418||$896||$728||$44||$218||$2,304||$192|
|F-250 XLT Crew Cab Turbo Diesel 4WD||$418||$896||$728||$44||$218||$2,304||$192|
|F-250 Lariat Crew Cab Turbo Diesel 2WD||$418||$1012||$658||$38||$198||$2,324||$194|
|F-250 Lariat Crew Cab Turbo Diesel 4WD||$462||$896||$728||$44||$218||$2,348||$196|
|F-250 XL Super Cab Harley Turbo Diesel 4WD||$462||$896||$728||$44||$218||$2,348||$196|
|F-250 Lariat Super Cab Turbo Diesel 4WD||$462||$896||$728||$44||$218||$2,348||$196|
|F-250 XL Crew Cab Harley Turbo Diesel 4WD||$462||$896||$728||$44||$218||$2,348||$196|
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can influence price quotes substantially.
The chart below shows how different deductible levels and can raise or lower Ford F-250 insurance premiums for each age group. The prices are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Careless driving habits raise Tulsa car insurance rates
The chart below highlights how traffic violations and at-fault fender-benders can drive up Ford F-250 premium costs for different insured age categories. The information is based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
Car insurance prices based on gender
The example below shows the comparison of Ford F-250 car insurance costs for male and female drivers. Data assumes no claims or violations, comp and collision included, $500 deductibles, single marital status, and no discounts are taken into consideration.
Ford F-250 liability rates compared to full coverage
The illustration below shows the comparison of Ford F-250 insurance prices when comparing full coverage to liability only. The rates are based on no claims or driving citations, $250 deductibles, drivers are single, and no policy discounts are applied.
When to eliminate full coverage
There is no exact rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Ford F-250 settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $3,000 after you pay the deductible. If you are paying over $300 annually to have full coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where only buying liability is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not opt for liability only.
Insurance is not optional but you don’t have to overpay
Despite the high cost, buying insurance is required in Oklahoma but it also protects you in many ways.
- Most states have minimum liability requirements which means state laws require specific minimum amounts of liability if you drive a vehicle. 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 F-250, most lenders will make it mandatory that you have insurance to guarantee their interest in the vehicle. If the policy lapses, the lender may insure your Ford for a much higher rate and require you to pay the higher price.
- Insurance preserves not only your vehicle but also your financial assets. It also can pay for medical expenses incurred in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance outweigh the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying more than $869 every year so you should quote and compare rates each time the policy renews to save money.
Get cheap Ford F-250 insurance in Tulsa with discounts
Car insurance is not cheap, but you can get discounts to help bring down the price. A few discounts will be applied at quote time, but a few must be asked about before being credited. If you check and find you aren’t receiving every discount possible, you’re paying more than you need to.
- Full Payment Discount – By making one initial payment rather than paying monthly you can avoid the installment charge.
- Safe Drivers – Accident-free drivers could pay up to 40% less as compared to drivers with claims.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide before they charge you more for coverage so long as you are claim-free prior to being involved in the accident.
- Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
- Discount for Swiching Early – Select auto insurance companies give a discount for buying a policy before your current coverage expires. This can save 10% or more.
- No Accidents – Claim-free drivers pay much less as compared to drivers who are more careless.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts may get savings of 20% or more.
- Savings for New Vehicles – Buying insurance coverage on a new vehicle can cost up to 25% less because newer vehicles are generally safer.
Drivers should understand that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like you can get free auto insurance, nobody gets a free ride.
The illustration below shows the difference between Ford F-250 auto insurance costs with and without discounts applied. The information is based on a male driver, no violations or claims, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, marriage, multi-car, and safe-driver discounts applied.
Some of the insurance companies that may include some of the above discounts include:
Before purchasing a policy, check with each company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available everywhere.
How do I know if I need professional advice?
When it comes to choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.
- Is my custom paint covered by insurance?
- Can my babysitter drive my car?
- Am I covered when pulling a rental trailer?
- What vehicles should carry emergency assistance coverage?
- Does liability extend to a camper or trailer?
- Does my car insurance cover rental cars?
- Where can I find high-risk insurance?
- Can I still get insurance after a DUI?
- Will filing a claim cost me more?
- Does my Ford F-250 need full coverage?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.
What if I want to buy from local Tulsa car insurance agents?
Some consumers still prefer to have an agent’s advice and that is just fine! One of the benefits of comparing insurance prices online is that drivers can save money and get lower rates and still buy from a local agent. Putting coverage with neighborhood agents is still important in Tulsa.
For easy comparison, once you complete this quick form, your information is transmitted to companies in Tulsa that can give you free Tulsa car insurance quotes for your business. You won’t even need to search for any insurance agencies because quoted prices will be sent to you instantly. You can find the lowest rates AND an agent nearby. If you wish to compare prices from a specific insurance provider, you just need to jump over to their website and fill out the quote form the provide.
The different types of car insurance agents
If you are wanting to purchase insurance from a good insurance agency, it’s helpful to know the different types of agencies and how they work. Insurance agents are either exclusive or independent (non-exclusive).
Independent Insurance Agencies or Brokers
These agents often have affiliation with several companies so they can insure your vehicles with lots of companies depending on which coverage is best. If they find a lower price, your agent can just switch to a different company and the insured can keep the same agent.
When shopping rates, you should always get insurance quotes from at least one independent agent to maximize your price options. Many independent agencies also insure through smaller regional carriers which can be an advantage.
Featured below are independent agencies in Tulsa who may provide comparison quotes.
- Hometown Insurance Agency Inc
8282 S Memorial Dr #201 – Tulsa, OK 74133 – (918) 366-9999 – View Map
- Bracken Insurance Agency
9717 E 42nd St, Suite 105 – Tulsa, OK 74146 – (918) 744-4440 – View Map
- A-Affordable Insurance
1635 S Harvard Ave – Tulsa, OK 74112 – (918) 749-9500 – View Map
Exclusive Insurance Agencies
Exclusive agents can only provide pricing for a single company and examples are American Family, State Farm, and AAA. Exclusive agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agents receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums. A lot of people buy from the same agent for years partially due to the prominent brand name rather than low rates.
Listed below are Tulsa exclusive agents that are able to give rate quotes.
- Dustin Bass – State Farm Insurance Agent
8222 S Lewis Ave – Tulsa, OK 74137 – (918) 518-6700 – View Map
- State Farm: Anita Ewing –
10021 S Yale Ave #102 – Tulsa, OK 74137 – (918) 298-2100 – View Map
- Bobby Williamson – State Farm Insurance Agent
7992 S Sheridan Rd – Tulsa, OK 74133 – (918) 935-2000 – View Map
Deciding on a insurance agency is decision based upon more than just the bottom line cost. The questions below may impact your decision as well.
- Which members of your family are coverage by the policy?
- Will they take your side in the event of a claim?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- In the event of vehicle damage, can you pick the collision repair facility?
- Does the agent have a valid license to sell insurance in Oklahoma?
- Does the agency have a current Errors and Omissions policy?
After talking to the agent and getting satisfactory answers to any questions you have and a low price estimate, it’s a good possibility that you have found a car insurance agent that meets your needs to insure your vehicles.
Car insurance coverage basics
Knowing the specifics of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.
This will pay to fix damage to your F-250 resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things like sustaining damage from a pot hole, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible on your F-250 to get cheaper collision coverage.
Comprehensive auto coverage
This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things like a broken windshield, rock chips in glass, fire damage and hitting a deer. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP pay for bills for things like EMT expenses, dental work, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford F-250.
Because many people only carry the minimum required liability limits (25/50/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits do not exceed the liability coverage limits.
Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims such as pain and suffering, attorney fees, structural damage, bail bonds and loss of income. How much coverage you buy is a personal decision, but buy as large an amount as possible. Oklahoma state law requires minimum liability limits of 25/50/25 but it’s recommended drivers buy more liability than the minimum.
The next chart shows why the minimum limit may not be adequate coverage.
Which car insurance company is best in Oklahoma?
Finding a highly-rated insurance provider can be rather challenging considering how many choices there are in Oklahoma. The company rank data displayed below can help you choose which car insurance companies to look at purchasing coverage from.
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%
The most affordable rates come from being thorough
When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. Your goal is to find the BEST coverage at a price you can afford while not skimping on critical coverages.
We just showed you many tips how you can compare Ford F-250 insurance prices in Tulsa. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the smallest insurance companies.
Drivers leave their current company for a number of reasons such as denial of a claim, unfair underwriting practices, poor customer service and an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.
Additional auto insurance information can be read at the links below
- What Does No-Fault Insurance Cover? (Allstate)
- Who Has Affordable Tulsa Car Insurance for a Toyota Tacoma? (FAQ)
- Who Has Cheap Tulsa Auto Insurance Rates for Real Estate Agents? (FAQ)
- How Much are Auto Insurance Rates for Uber Drivers in Tulsa? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Auto Insurance for Teen Drivers (Insurance Information Institute)