The best way to find cheaper quotes for auto insurance rates in Tulsa is to start comparing prices yearly from insurers in Oklahoma. This can be done by following these guidelines.
First, try to learn a little about how insurance companies determine prices and the measures you can control to lower rates. Many things that increase rates like your driving record and an imperfect credit rating can be controlled by making small lifestyle or driving habit changes.
Second, request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and Allstate, while independent agencies can provide prices from multiple companies.
Third, compare the price quotes to the price on your current policy and see if there is a cheaper rate. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
The most important part of shopping around is to compare the same coverage limits and deductibles on each quote request and and to compare as many different companies as possible. This helps ensure a level playing field and many rates to choose from.
Everyone knows that car insurance companies don’t want you to look for a cheaper policy. Drivers who shop around once a year will, in all likelihood, buy a different policy because they stand a good chance of getting low-cost coverage. A recent survey found that drivers who compared rates annually saved $3,450 over four years compared to those who never compared rates.
If saving the most money on auto insurance is your target objective, then having some knowledge of the best ways to shop for coverage rates can help you succeed in finding affordable rates.
Buying the cheapest auto insurance in Tulsa can be made easier if you know where to look. If you have coverage now, you should be able to find better prices using the following tips. But Oklahoma car owners need to have an understanding of how insurance companies determine prices and use this information to your advantage.
When comparing insurance rates, know that comparing all the rates in your area helps locate the best offered rates. Some insurance companies are not set up to provide online Tulsa Bolt insurance quotes, so you also need to get price quotes from those companies as well.
The companies shown below are our best choices to provide price comparisons in Tulsa, OK. If you want to find the best cheap car insurance in Tulsa, we suggest you get price quotes from several of them to get the best price comparison.
Insurance is an important decision
Even though it’s not necessarily cheap to insure a Chevy in Tulsa, insuring your vehicle serves a purpose in several ways.
First, almost all states have compulsory liability insurance requirements which means the state requires specific limits of liability protection in order to drive the car legally. 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 bought your Bolt with a loan, most lenders will make it a condition of the loan that you have full coverage to guarantee payment of the loan. If you let the policy lapse, the bank may buy a policy for your Chevy at a much higher premium rate and require you to reimburse them the higher price.
Third, insurance preserves both your assets and your Chevy. It will also reimburse you for hospital and medical expenses incurred in an accident. Liability coverage also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your Chevy gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of having insurance definitely exceed the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays more than $865 each year so we recommend shopping around once a year at a minimum to help ensure money is not being wasted.
Learn How to Lower Your Insurance Prices
Lots of factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but other factors are more transparent like your continuous coverage or how safe your car is. Smart consumers have a good feel for some of the factors that are used to determine car insurance rates. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that can help you get big savings.
The items below are a few of the “ingredients” companies use to determine your premiums.
- Prices impacted by your city – Residing in a rural area has it’s advantages when it comes to car insurance. Fewer drivers on the road means reduced accidents and lower theft and vandalism rates. People in densely populated areas regularly have more traffic problems and longer commute times. Spending more time driving translates into higher accident risk.
- Lower premiums for safer vehicles – Cars with high safety ratings can get you lower premiums. Highly rated vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts which can result in lower premiums. If the Chevy Bolt earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
- More performance means higher premiums – The type of car you are buying insurance for makes a big difference in the rate you pay. The cheapest insurance rates will normally be found when insuring lower cost passenger models, but there are many factors that impact the final cost.
- Incidental coverages can add up – Policies have optional add-on coverages you can purchase when buying car insurance. Insurance for roadside assistance, towing coverage, and motor club memberships are probably not needed. They may seem like a good idea when buying your policy, but if you don’t need them think about removing them and cutting costs.
- How do annual miles impact costs? – Driving more miles annually the more you’ll pay to insure it. A lot of companies price each vehicle’s coverage based upon how much you drive. Cars and trucks not used for work or commuting can get a lower rate than cars that get driven a lot. It’s a smart idea to ensure your car insurance coverage is rated on the correct usage, because improper ratings can cost you money. Having an incorrect usage rating on your Bolt can cost quite a bit.
Don’t overlook these Chevy Bolt insurance discounts
Insurance is easily one of your largest bills, but there’s a good chance there are discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but a few must be specifically requested before they will apply. If you aren’t receiving every discount possible, you could be paying more than you need to.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.
- Tulsa Homeowners Pay Less – Being a homeowner may trigger a policy discount on insurance because it demonstrates responsibility.
- No Claim Discounts – Insureds with no claims or accidents can save substantially compared to insureds who have frequent claims or accidents.
- E-sign Discounts – Many insurance companies will give you a small discount simply for signing on their website.
- Service Members Pay Less – Having an actively deployed family member could mean lower rates.
- Clubs and Organizations – Affiliation with a qualifying organization is a simple method to lower premiums on your policy.
Just know that most credits do not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount should help lower the cost of coverage.
If you would like to view insurance companies with significant discounts in Tulsa, click here.
It’s not one size fits all
When it comes to proper insurance coverage, there isn’t really a best way to insure your cars. You are unique.
Here are some questions about coverages that could help you determine whether you would benefit from professional advice.
- Am I covered if I hit someone who is not insured?
- What if a claim settlement is too low?
- How much underlying liability do I need for an umbrella policy?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Do I need replacement cost coverage on my Chevy Bolt?
- When would I need rental car insurance?
- Can my teen drive my company car?
- Do I have newly-acquired coverage?
If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.
Getting quotes from local Tulsa auto insurance agents
Many drivers still prefer to go talk to an agent and that is just fine! A good thing about comparing rates online is that you can find lower rates but also keep your business local.
To help locate an agent, after submitting this quick form, the quote information is submitted to local insurance agents that can give you free Tulsa car insurance quotes to get your business. You don’t have to leave your house because quoted prices will be sent to your email. You can find lower rates without requiring a lot of work. If you need to get a rate quote for a specific company, you can always jump over to their website and give them your coverage information.
Deciding on an company requires more thought than just the quoted price. These are some questions your agent should answer.
- Do they offer rental car reimbursement?
- How much experience to they have in personal lines coverages?
- What are their preferred companies if they are an independent agency?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will they give you a referral list?
- Where would your vehicle be repaired?
Compare rates from both independent and exclusive auto insurance agents
When narrowing the list to find a local agent, you need to know there are two different agency structures and how they can quote your rates. Car insurance agencies are categorized either independent agents or exclusive agents.
Exclusive Car Insurance Agents
Agents of this type can only write with one company and examples are Farmers Insurance, Allstate, or State Farm. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are highly trained in insurance sales which helps offset the inability to provide other markets. Consumers often buy insurance from these agents mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
The following is a list of exclusive agencies in Tulsa who may provide you with price quote information.
- Daniel Parker – State Farm Insurance Agent
6770 S Sheridan Rd STE A – Tulsa, OK 74133 – (918) 994-5400 – View Map
- Allstate Insurance: Mike De Marco
5800 S Lewis Ave Ste 149 – Tulsa, OK 74105 – (918) 749-1300 – View Map
- Randall Young – State Farm Insurance Agent
5840 S Memorial Dr #207 – Tulsa, OK 74145 – (918) 664-8750 – View Map
Agents that elect to be independent can quote rates with many companies and that is an advantage because they can write policies with an assortment of companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to do anything. If you are comparing rate quotes, you definitely need to get several quotes from independent agents to maximize your price options. Many write coverage with different regional companies which may have better rates.
Listed below are Tulsa independent insurance agents willing to provide rate quotes.
- EZ Insurance Agency
1207 S Memorial Dr – Tulsa, OK 74112 – (918) 794-3220 – View Map
- Access Insurance
6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220 – View Map
- Scott Mccoy Insurance Agency, Inc.
7030 S Yale Ave Suite #109 – Tulsa, OK 74136 – (918) 894-5551 – View Map
What is the best auto insurance company in Oklahoma?
Selecting the right car insurance provider can be difficult considering how many companies are available to choose from in Oklahoma. The company information shown below could help you choose which insurers to look at comparing rates from.
Top 10 Tulsa Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Tulsa Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Don’t give up on cheap premiums
As you quote Tulsa car insurance, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where an insured cut collision coverage to discover at claim time that they should have had better coverage. The aim is to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.
Insureds change insurance companies for a number of reasons such as policy non-renewal, high prices, delays in paying claims and even delays in responding to claim requests. It doesn’t matter what your reason, finding the right auto insurance provider is less work than it seems.
Affordable Chevy Bolt insurance in Tulsa can be bought from both online companies and from local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide price quotes online and usually these smaller providers provide coverage only through independent agents.
Even more information can be found in the articles below:
- Auto Insurance 101 (About.com)
- Who Has the Cheapest Tulsa Auto Insurance for 19 Year Olds? (FAQ)
- Who Has the Cheapest Auto Insurance for Good Drivers in Tulsa? (FAQ)
- What Car Insurance is Cheapest for a Jeep Grand Cherokee in Tulsa? (FAQ)
- Who Has Affordable Car Insurance for 4×4 Vehicles in Tulsa? (FAQ)
- Senior Drivers (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)