Compare Scion xB Insurance Quotes in Tulsa

Insurance for Scion xBSadly, a large majority of drivers in Oklahoma have remained with the same auto insurance company for more than four years, and about 40% of consumers have never shopped around. U.S. consumers could cut their rates by up to 47% a year, but they just assume it’s a time-consuming process to compare other rate quotes.

To save the most money, the best way to get affordable car insurance rates in Tulsa is to compare prices at least once a year from different companies in Oklahoma.

A key point to remember is that you’ll want to compare the same physical damage deductibles and liability limits on each price quote and and to look at all possible companies. This ensures the most accurate price comparison and a thorough price selection.

You Can Change Your Insurance Rates

An important part of buying insurance is that you know some of the things that go into determining your insurance rates. When you understand what influences your rates, this helps enable you to make changes that may reward you with much lower annual insurance costs.

The items below are a few of the things that factor into your rates.

Car insurance statistics for a Scion xB

The premium information shown next highlights detailed analysis of policy rates for Scion xB models. Being able to understand how policy rates are established can be of help when making smart policy decisions.

Scion xB Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $384 $590 $606 $36 $182 $1,798 $150
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific Tulsa garaging location which can impact auto insurance rates considerably.

Policy deductibles

One of the most common car insurance questions is where to set your physical damage deductibles. The following tables approximate the difference in cost of buying low and high physical damage deductibles. The first rate quote example uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Scion xB insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $386 $572 $448 $26 $134 $1,591 $133
Get Your Own Custom Quote Go

Scion xB insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $214 $302 $448 $26 $134 $1,124 $94
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price information does not factor in your specific Tulsa location which can affect auto insurance rates significantly.

Based on these figures, using a $100 deductible will cost in the ballpark of $39 more each month or $468 every year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 23 months between claims, you would probably be better off if you choose the higher deductible.

Scion xB insurance costs by age and gender

The illustration below illustrates the comparison of Scion xB premium costs for male and female drivers. The data assumes no claims or violations, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.

Scion xB full coverage rates compared to liability only

The diagram below illustrates the comparison of Scion xB car insurance rates with full physical damage coverage compared to only buying liability only. The premium estimates are based on no claims or violations, $250 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comprehensive and collision

There is no definitive formula that is best for determining when to drop full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Scion xB book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after paying your policy deductible. If you are paying over $800 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Tulsa insurance discounts

Some providers don’t always list their entire list of discounts in a way that’s easy to find, so the list below gives a summary of some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy Tulsa car insurance online.Insurance discounts

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

The chart below compares Scion xB insurance costs with and without discounts applied to the rates. The prices are based on a female driver, no accidents, no driving violations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, claim-free, multi-policy, and safe-driver discounts applied.

To choose companies that offer many of these discounts in Tulsa, follow this link.

What is the best auto insurance company in Tulsa?

Ending up with a high-quality company can be challenging considering how many choices there are in Tulsa. The company ratings below can help you select which providers to look at buying from.

Top 10 Tulsa Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Tulsa Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Affordable auto insurance premiums are out there

Drivers leave their current company for any number of reasons including not issuing a premium refund, an unsatisfactory settlement offer, policy non-renewal and lack of trust in their agent. It doesn’t matter why you want to switch switching auto insurance companies is pretty simple and you could end up saving a buck or two.

You just learned a lot of information how to get a better price on Scion xB insurance in Tulsa. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Tulsa car insurance quotes. Consumers may even find the lowest car insurance rates come from a small mutual company.

Budget-conscious Scion xB insurance is definitely available both online in addition to many Tulsa insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers don’t offer internet price quotes and these smaller providers sell through independent insurance agents.

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