A recent study showed that nearly 70% of drivers have stayed with the same insurance company for a minimum of four years, and nearly the majority have never compared rates with other companies. The average driver in Tulsa could pocket about $600 a year by just comparing quotes, but most undervalue the big savings they would realize if they switched.
The preferred way to find better pricing on auto insurance rates is to do an annual price comparison from insurers that insure vehicles in Tulsa.
First, try to comprehend how insurance works and the things you can control to lower rates. Many risk factors that cause high rates like traffic violations, accidents, and an unfavorable credit rating can be improved by making minor changes to your lifestyle.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.
Third, compare the price quotes to your current policy to see if switching to a new carrier will save money. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, give notification to your agent or company of your intention to cancel your current coverage and submit payment and a signed application to the new insurer. Be sure to place your new proof of insurance certificate with your registration paperwork.
One thing to point out is to compare identical limits and deductibles on every price quote and and to look at as many carriers as you can. Doing this provides a level playing field and a good representation of prices.
Locating the best rates in Tulsa is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to reduce the price you pay using the following tips. Shoppers just need to use the most effective way to shop their coverage around from many companies at once.
Most larger insurance companies like Progressive, GEICO, Allstate and State Farm provide prices for coverage online. This process is possible for anyone because you just enter the coverage amounts you desire into the form. Behind the scenes, the company’s rating system automatically retrieves your driving record and credit report and generates a price.
Quoting online for Acura TSX insurance in Tulsa makes comparing rates easy, and it is imperative to have as many quotes as possible if you want to get the best rate.
In order to find out how much you can save on car insurance, compare quotes from the companies shown below. If you have coverage now, it’s recommended you copy the insurance coverages identical to your current policy. Doing this assures you’re receiving rate comparison quotes for similar coverage.
The providers in the list below can provide comparison quotes in Oklahoma. If you want the cheapest auto insurance in Oklahoma, we suggest you visit as many as you can to get the best price comparison.
Rates and other information
The data table shown below outlines estimates of coverage costs for Acura TSX models. Having a good understanding how auto insurance premiums are determined helps drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $220 | $398 | $392 | $24 | $118 | $1,152 | $96 |
| TSX Technology Package | $220 | $398 | $392 | $24 | $118 | $1,152 | $96 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in specific Tulsa garaging location which can modify prices greatly.
An analysis of deductible level
One frequently asked question is how high should your deductibles be. The rates below can help show the rate differences when you choose different coverage deductibles. The first data table uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $436 | $822 | $382 | $22 | $114 | $1,801 | $150 |
| TSX Technology Package | $436 | $822 | $382 | $22 | $114 | $1,801 | $150 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $242 | $432 | $382 | $22 | $114 | $1,192 | $99 |
| TSX Technology Package | $242 | $432 | $382 | $22 | $114 | $1,192 | $99 |
| 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 multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in vehicle garaging location which can change premium rates significantly.
Based on the figures above, using a $100 deductible could cost the average driver approximately $51 more each month or $612 a year across all Acura TSX models than requesting the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 18 months between claim filings, you would more than likely save some money if you decide on a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $150 |
| Average monthly premium for $1,000 deductibles (subtract): | – $99 |
| Monthly savings from raising deductible: | $51 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $51 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
The illustration below illustrates how your choice of deductibles and can affect Acura TSX insurance prices for each age group. The data is based on a single male driver, full physical damage coverage, and no policy discounts are applied.
Comparison of insurance rates by gender
The information below shows the comparison of Acura TSX auto insurance rates for male and female drivers. The price estimates are based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
Insuring your Acura TSX just makes sense
Even though it’s not necessarily cheap to insure an Acura in Tulsa, insuring your vehicle is required by state law in Oklahoma and it also provides benefits you may not be aware of.
- Just about all states have mandatory insurance requirements which means the state requires a specific level of liability protection in order to license the 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 your TSX has a loan, almost all lenders will have a requirement that you carry insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank will be required to insure your Acura at a much higher premium rate and require you to fork over for the much more expensive policy.
- Auto insurance preserves both your vehicle and your personal assets. It will also reimburse you for medical transport and hospital expenses that are the result of an accident. As part of your policy, liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance outweigh the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays more than $869 every year so compare rates at every renewal to save money.
What Impacts Acura TSX Insurance Premiums?
A large part of saving on car insurance is knowing the factors that help calculate your car insurance rates. If you know what determines premiums, this empowers consumers to make smart changes that could result in lower rates.
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Driver age impacts prices – Teen drivers in Oklahoma tend to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older, more experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents, and are safer drivers.
The following data is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Safer occupants lowers premiums – Safer cars tend to have lower insurance rates. Safe vehicles help reduce the chance of injuries in an accident and lower injury rates translates into fewer and smaller insurance claims which can result in lower premiums.
- Small coverages can add up – Insurance policies have a lot of extra coverages that you can buy if you aren’t careful. Things like rental car coverage, accidental death, and extra life insurance coverage are some examples. These may sound like a good investment when buying your policy, but your money might be better spent on other coverage so remove them and pocket the money.
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Avoid traffic tickets – A bad driving record has a huge affect on how much you pay. Attentive drivers pay lower auto insurance prices as compared to those with violations. Getting just one driving citation may increase your cost by twenty percent. Drivers unfortunate enough to have dangerous violations such as reckless driving or DUI may find they need to file a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
The information below illustrates how violations and at-fault claims can drive up Acura TSX auto insurance costs for different categories of driver ages. The information is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
- Can a thief steal your car? – Choosing to buy a car with a theft deterrent system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft and help lower rates.
- Commute or pleasure use – Driving a lot of miles in a year’s time the more you will pay for car insurance. Many insurance companies charge to insure your cars determined by how the vehicle is used. Vehicles not used for work or commuting cost less to insure than those that get driven frequently. Improper usage on your TSX may be wasting your money. Ask your agent if your policy states annual mileage, because improper ratings can cost you money.
- Job and insurance prices – Jobs like military personnel, business owners, and stock brokers tend to have the highest average rates due to intense work situations and lengthy work days. On the flip side, jobs like scientists, athletes and retirees generally pay rates lower than average.
Tulsa auto insurance discounts
Some providers don’t list every policy discount very clearly, so below is a list some of the more common and the more hidden credits that may apply to you.
- Military Rewards – Being on active duty in the military may lower your premium rates slightly.
- ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
- Bundled Policy Discount – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
- Early Payment Discounts – By making one initial payment rather than spreading payments over time you may have a lower total premium amount.
- No Claim Discounts – Tulsa drivers who stay claim-free get the best auto insurance rates compared to accident-prone drivers.
- Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less than less cautious drivers.
Drivers should understand that some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts should help reduce the amount you have to pay.
The diagram below illustrates the difference between Acura TSX car insurance rates with and without discounts applied to the premium. The information is based on a male driver, no accidents or driving violations, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, safe-driver, homeowner, and claim-free discounts applied.
Companies and the discounts they provide are outlined below.
- Progressive discounts include good student, online signing, multi-vehicle, homeowner, continuous coverage, multi-policy, and online quote discount.
- The Hartford may offer discounts for air bag, bundle, driver training, anti-theft, defensive driver, and good student.
- Mercury Insurance has savings for accident-free, ease of repair, good driver, multi-policy, age of vehicle, and multi-car.
- GEICO includes discounts for membership and employees, military active duty, federal employee, five-year accident-free, and defensive driver.
- AAA has discounts for education and occupation, pay-in-full, good student, AAA membership discount, and good driver.
- State Farm offers discounts including multiple policy, defensive driving training, Drive Safe & Save, good student, good driver, and student away at school.
When getting free Tulsa auto insurance quotes, it’s a good idea to all companies you are considering to apply every possible discount. A few discounts might not be offered in Tulsa. If you would like to view auto insurance companies that can offer you the previously mentioned discounts in Oklahoma, click here to view.
Do I just need basic coverages?
When it comes to coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.
Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.
- Am I covered when driving someone else’s vehicle?
- What is high-risk coverage and where do I buy it?
- Do I need special coverage while pulling a rented trailer?
- Can my teen drive my company car?
- Am I covered when driving a rental car?
- Should I buy full coverage?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.
When to get advice from an insurance agency
A lot of people still prefer to buy from a licensed agent and there is nothing wrong with that. Good agents can answer important questions and help submit paperwork. One of the benefits of getting online price quotes is you can get the best rates and still buy from a local agent.
By using this simple form, your coverage information is transmitted to participating agents in Tulsa who will give competitive quotes for your business. You won’t need to find an agent as quotes are delivered to you instantly. If you need to get a rate quote from one company in particular, you would need to visit that company’s website to submit a rate quote request.
Finding the right insurer should include more criteria than just the premium amount. These are some questions your agent should answer.
- Is the agent and/or agency licensed to do business in Oklahoma?
- How many companies do they write for?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which members of your family are coverage by the policy?
- Can you use your own choice of collision repair facility?
When searching for a reputable insurance agent or broker, there are a couple of different types of agents and how they can write your policy. Agents in Tulsa are classified as either exclusive or independent agents depending on their company appointments. Both sell insurance policies, but it is important to understand how they differ because it may have an impact on the type of agent you choose.
Exclusive Agencies
Agents that choose to be exclusive generally can only insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive agencies are well trained on their products and sales techniques which helps them sell insurance even at higher premiums. Many people use the same exclusive agent mainly due to the prominence of the brand and solid financial strength.
Below are Tulsa exclusive insurance agencies willing to provide price quotes.
- Allstate Insurance: Todd Williams
3315 S Yale Ave Ste 200 – Tulsa, OK 74135 – (918) 742-2784 – View Map - Allstate Insurance: Ron Henderson
8733 S Lewis Ave – Tulsa, OK 74137 – (918) 291-7400 – View Map - Bob Breitenstein – State Farm Insurance Agent
7318 S Yale Ave – Tulsa, OK 74136 – (918) 492-7600 – View Map
Independent Insurance Agents
Agents of this type do not have single company limitations so as a result can place your coverage with an assortment of companies depending on which coverage is best. If premiums increase, they simply move the coverage in-house which requires no work on your part.
When comparing rate quotes, you should always compare quotes from multiple independent agents to have the best price comparison. Most also have access to companies that do not advertise much that may provide cheaper insurance rates.
Below are independent insurance agencies in Tulsa who can help you get comparison quotes.
- Glass Insurance Agency, Inc
4500 S Garnett Rd #914 – Tulsa, OK 74146 – (918) 663-5314 – View Map - Tulsa Insurance Gu
427 South Boston Avenue, 518 – Tulsa, OK 74103 – (918) 574-6262 – View Map - Rooney Insurance Agency, Inc.
4700 S Garnett Rd #200 – Tulsa, OK 74146 – (918) 582-0565 – View Map
Be persistent to save money
We’ve covered a lot of information how to shop for Acura TSX insurance online. It’s most important to understand that the more you quote Tulsa auto insurance, the better your comparison will be. You may even be surprised to find that the biggest savings come from the least-expected company.
More affordable car insurance in Tulsa can be sourced both online and from local agencies, so you should compare both to have the best rate selection. Some insurance providers may not offer the ability to get quotes online and many times these regional carriers work with local independent agents.
People leave their current company for any number of reasons including questionable increases in premium, high prices, unfair underwriting practices and extreme rates for teen drivers. It doesn’t matter what your reason, finding a new company is actually quite simple.
For more information, feel free to browse the following helpful articles:
- Safe Vehicles for Teens (iihs.org)
- Who Has Cheap Car Insurance Rates for Teachers in Tulsa? (FAQ)
- Who Has Affordable Car Insurance for a Learners Permit in Tulsa? (FAQ)
- Who Has Affordable Tulsa Auto Insurance Rates for Inexperienced Drivers? (FAQ)
- Winter Driving (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)