Are you researching cheaper Dodge Nitro insurance in Tulsa? Buying the cheapest Tulsa Dodge Nitro insurance quotes can appear to be difficult for people that are not comfortable with quoting and comparing rates online. With dozens of online companies, how can people have the ability to compare every auto insurance company to find the cheapest available price?
How to find the cheapest rates for Dodge Nitro insurance in Tulsa
Truthfully, the best way to find cheaper quotes for auto insurance rates is to compare quotes once a year from companies in Tulsa.
- Take a few minutes and learn about the coverage provided by your policy and the measures you can control to prevent rate increases. Many factors that cause high rates such as high-risk driving behaviors and poor credit rating can be remedied by being financially responsible and driving safely. Keep reading for instructions to help keep rates affordable and find overlooked discounts.
- Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while agents who are independent can quote prices from many different companies.
- Compare the quotes to your current policy premium and see if you can save money. If you find a lower rate quote and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Give notification to your agent or company of your decision to cancel your existing policy and submit a completed application and payment to your new company or agent. Make sure you safely store the proof of insurance certificate in your vehicle.
One piece of advice is that you’ll want to make sure you compare similar coverage information on each quote and and to compare every company you can. This provides an apples-to-apples comparison and a thorough selection of prices.
We don’t have to point out that fact that car insurance companies don’t want you to compare rates. Consumers who get comparison quotes once a year are likely to switch to a new company because there is a good probability of finding discount prices. A study discovered that people who compared rate quotes regularly saved approximately $3,400 over four years compared to policyholders who never compared rates.
If finding the cheapest price on auto insurance is your intention, then understanding how to find and compare insurance can save time and make the process easier.
Discounts can help lower premiums on Dodge Nitro insurance in Tulsa
Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not even know about. Certain discounts will be triggered automatically at the time of quoting, but once in a while a discount must be inquired about prior to getting the savings.
- Employee of Federal Government – Federal government employees could provide a small rate reduction depending on your car insurance provider.
- No Charge for an Accident – Not necessarily a discount, but some companies like Allstate, Progressive, and GEICO allow you one accident without getting socked with a rate hike if you have no claims for a particular time prior to the accident.
- Distant Student – Kids who attend college more than 100 miles from Tulsa without a vehicle on campus may be insured at a cheaper rate.
- Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you can actually save on your bill.
- Fewer Miles Equal More Savings – Low annual miles can qualify you for discounted prices on garaged vehicles.
- Save with More Vehicles Insured – Having more than one vehicle on one policy may reduce the rate for each vehicle.
- Accident-Free Discounts – Tulsa drivers who stay claim-free pay much less in comparison with accident-prone drivers.
- Driver’s Education for Students – Cut your cost by having your teen driver enroll in driver’s education in school.
- ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
- Save over 55 – If you qualify as a senior citizen, you can get a small discount on rates.
Don’t be shocked that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it’s just not the way it works.
The chart below shows the difference between Dodge Nitro annual premium costs with and without discounts applied to the rates. The price estimates are based on a female driver, no claims or driving violations, Oklahoma state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, safe-driver, marriage, and multi-policy discounts applied.
Large car insurance companies and a summarized list of policyholder discounts are included below.
- State Farm offers discounts for Steer Clear safe driver discount, Drive Safe & Save, passive restraint, multiple autos, anti-theft, driver’s education, and good driver.
- GEICO may offer discounts for anti-lock brakes, federal employee, daytime running lights, air bags, and membership and employees.
- SAFECO offers discounts including drive less, anti-lock brakes, teen safe driver, accident prevention training, teen safety rewards, homeowner, and bundle discounts.
- Farmers Insurance has savings for good student, multi-car, homeowner, alternative fuel, early shopping, and mature driver.
- AAA discounts include good driver, pay-in-full, good student, AAA membership discount, multi-car, and multi-policy.
- USAA includes discounts for military installation, new vehicle, good student, multi-policy, and vehicle storage.
It’s a good idea to ask every company which discounts you qualify for. Some credits may not apply to policies in your state.
When quoting auto insurance, remember that having more price comparisons will enable you to find a better price.
The companies shown below have been selected to offer price comparisons in Tulsa, OK. If you want the best car insurance in Tulsa, we suggest you visit two to three different companies in order to get a fair rate comparison.
Detailed insurance information
The coverage information shown below outlines different insurance prices for Dodge Nitro models. Having insight into how insurance quotes are calculated is important to be able to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $180 | $296 | $516 | $30 | $154 | $1,176 | $98 |
| Nitro SE 2WD | $180 | $296 | $516 | $30 | $154 | $1,176 | $98 |
| Nitro SE 4WD | $208 | $296 | $516 | $30 | $154 | $1,204 | $100 |
| Nitro SXT 2WD | $208 | $296 | $516 | $30 | $154 | $1,204 | $100 |
| Nitro Heat 4WD | $208 | $296 | $516 | $30 | $154 | $1,204 | $100 |
| Nitro Detonator 2WD | $208 | $360 | $516 | $30 | $154 | $1,268 | $106 |
| Nitro SXT 4WD | $208 | $360 | $516 | $30 | $154 | $1,268 | $106 |
| Nitro Shock 2WD | $208 | $360 | $516 | $30 | $154 | $1,268 | $106 |
| Nitro Detonator 4WD | $208 | $360 | $516 | $30 | $154 | $1,268 | $106 |
| Nitro Shock 4WD | $234 | $360 | $516 | $30 | $154 | $1,294 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium costs do not factor in vehicle location which can impact rates noticeably.
Raise deductibles and save
One of the more difficult decisions when buying insurance is where to set your physical damage deductibles. The comparison tables below highlight the differences in price when you choose different insurance deductibles. The first set of prices uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $336 | $572 | $506 | $30 | $152 | $1,621 | $135 |
| Nitro SE 2WD | $336 | $572 | $506 | $30 | $152 | $1,621 | $135 |
| Nitro SE 4WD | $386 | $572 | $506 | $30 | $152 | $1,671 | $139 |
| Nitro SXT 2WD | $386 | $572 | $506 | $30 | $152 | $1,671 | $139 |
| Nitro Heat 4WD | $386 | $572 | $506 | $30 | $152 | $1,671 | $139 |
| Nitro Detonator 2WD | $386 | $698 | $506 | $30 | $152 | $1,797 | $150 |
| Nitro SXT 4WD | $386 | $698 | $506 | $30 | $152 | $1,797 | $150 |
| Nitro Shock 2WD | $386 | $698 | $506 | $30 | $152 | $1,797 | $150 |
| Nitro Detonator 4WD | $386 | $698 | $506 | $30 | $152 | $1,797 | $150 |
| Nitro Shock 4WD | $436 | $698 | $506 | $30 | $152 | $1,847 | $154 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $246 | $388 | $506 | $30 | $152 | $1,322 | $110 |
| Nitro SE 2WD | $246 | $388 | $506 | $30 | $152 | $1,322 | $110 |
| Nitro SE 4WD | $282 | $388 | $506 | $30 | $152 | $1,358 | $113 |
| Nitro SXT 2WD | $282 | $388 | $506 | $30 | $152 | $1,358 | $113 |
| Nitro Heat 4WD | $282 | $388 | $506 | $30 | $152 | $1,358 | $113 |
| Nitro Detonator 2WD | $282 | $472 | $506 | $30 | $152 | $1,442 | $120 |
| Nitro SXT 4WD | $282 | $472 | $506 | $30 | $152 | $1,442 | $120 |
| Nitro Shock 2WD | $282 | $472 | $506 | $30 | $152 | $1,442 | $120 |
| Nitro Detonator 4WD | $282 | $472 | $506 | $30 | $152 | $1,442 | $120 |
| Nitro Shock 4WD | $318 | $472 | $506 | $30 | $152 | $1,478 | $123 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Estimates do not factor in zip code location which can modify auto insurance rates noticeably.
Based on the figures above, using a $100 deductible costs an average of $28 more each month or $336 every year than opting for the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average more than 14 months between claims, you would save more money if you opt for a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $144 |
| Average monthly premium for $500 deductibles (subtract): | – $116 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One important note is that higher deductibles results in a higher out-of-pocket expense when you have a claim. That will require some extra savings in order to pay the deductible for vehicle repair.
Rate comparison of male drivers versus female drivers
The information below shows the comparison of Dodge Nitro premium costs for male and female drivers. The rates are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, single status, and no discounts are factored in.
Cost difference between full coverage and liability
The chart below illustrates the comparison of Dodge Nitro premium costs with full coverage compared to only the Oklahoma minimum liability coverage. The premiums assume no accidents or driving violations, $100 deductibles, single marital status, and no additional discounts are factored in.
When to stop buying full coverage
There isn’t a written rule for phasing out physical damage insurance, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s assume your Dodge Nitro replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying your policy deductible. If you are paying over $500 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few cases where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.
You are unique and your insurance should be too
When buying your policy for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different.
For instance, these questions may help you determine if you might need professional guidance.
- Will my insurance pay for OEM parts?
- Is my vehicle covered by my employer’s policy when using it for work?
- What is glass protection for?
- How high should my medical payments coverage be?
- Am I covered when pulling a rental trailer?
- Do they offer discounts for home and auto coverage?
- If my Dodge Nitro is totaled, can I afford another vehicle?
- What is no-fault insurance?
- What is the minimum liability in Oklahoma?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Exclusive and independent auto insurance agents
Certain consumers would rather talk to a local agent and doing that can be a smart decision One of the best bonuses of comparing insurance prices online is the fact that drivers can get lower prices and still have a local agent. Buying from local agencies is still important in Tulsa.
After completing this simple form, the coverage information is emailed to companies in Tulsa who will return price quotes for your business. It’s much easier because you don’t need to search for an agent because quoted prices will be sent immediately to you. You can find lower rates and a licensed agent to work with. If you need to compare prices from a specific company, just go to their quote page to submit a rate quote request.
Pick the best car insurance agent in Tulsa for you
If you’re trying to find a reliable insurance agent, you need to know there are two types of insurance agents and how they are distinctly different. Auto insurance agents are considered either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agencies
Independent insurance agents are not locked into one company so they can quote policies through many different auto insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, your agent can just switch to a different company and you won’t have to switch agencies.
If you need lower rates, you need to compare prices from a few independent agents to ensure the widest selection of prices. Most independent agents also contract with less well-known companies that may have much lower rates than larger companies.
Featured below are independent insurance agencies in Tulsa that may be able to give cheap rate quotes.
- Access Insurance
6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220 – View Map - Tulsa Insurance Gu
427 South Boston Avenue, 518 – Tulsa, OK 74103 – (918) 574-6262 – View Map - Cheapest Auto Insurance
2646 E 15th St – Tulsa, OK 74104 – (918) 744-5145 – View Map
Exclusive Auto Insurance Agents
Exclusive agents normally can only provide a single company’s rates and some examples include Farmers Insurance, State Farm, or Allstate. They generally cannot place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are trained well on their company’s products which helps offset the inability to provide other markets. A lot of people choose to use an exclusive agent mostly because of loyalty to the company rather than low rates.
Shown below is a list of exclusive insurance agents in Tulsa who can help you get rate quotes.
- Allstate Insurance – Jimmy Willis
6111 S Mingo Rd – Tulsa, OK 74133 – (918) 250-6770 – View Map - 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
Deciding on an car insurance agent shouldn’t rely on just a low price. The answers to these questions are important, too.
- Can glass claims be handled at your home?
- Who is covered by the car insurance policy?
- If independent agents, which companies do they recommend?
- Does the agency have a good rating with the Better Business Bureau?
- Can you choose the body shop in case repairs are needed?
- Is the agency covered by Errors and Omissions coverage?
How to find a good Tulsa car insurance company
Finding a good quality auto insurance provider can be challenging considering how many choices drivers have in Tulsa. The rank data in the next section can help you select which companies you want to consider when shopping around.
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%
Top 10 Tulsa Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
A conclusion for your insurance search
Drivers leave their current company for many reasons like delays in responding to claim requests, unfair underwriting practices, policy cancellation and even not issuing a premium refund. Whatever your reason, switching companies is easier than you think.
We covered some good ideas how to get a better price on Dodge Nitro insurance in Tulsa. The key concept to understand is the more you quote Tulsa car insurance, the better likelihood of getting cheaper Tulsa car insurance quotes. Consumers could even find that the best price on insurance is with the smaller companies.
Lower-priced Dodge Nitro insurance in Tulsa can be purchased on the web and also from your neighborhood Tulsa agents, and you should compare rates from both in order to have the best chance of saving money. A few companies do not provide online price quotes and usually these regional insurance providers work with independent insurance agencies.
How to find cheaper rates for Dodge Nitro insurance in Tulsa
The recommended way to get the cheapest Dodge Nitro insurance in Tulsa is to begin comparing prices regularly from providers that sell auto insurance in Oklahoma.
Step 1: Read about individual coverages and the measures you can take to prevent high rates. Many rating factors that result in higher rates such as at-fault accidents, speeding tickets, and a not-so-good credit rating can be remedied by paying attention to minor details.
Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or State Farm, while independent agents can quote prices from many different companies.
Step 3: Compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you can save some money, make sure there is no coverage gap between policies.
A crucial key to this process is to use the same physical damage deductibles and liability limits on each quote request and to quote with every insurance company. Doing this guarantees a fair price comparison and the best price selection.
Additional detailed information is located in the articles below:
- Winter Driving (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Seniors in Tulsa? (FAQ)
- Who Has Affordable Car Insurance for a Learners Permit in Tulsa? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- What is Gap Insurance? (Insurance Information Institute)
- Learn About Car Insurance (GEICO)