Auto Insurance Rate Quotes for a Toyota Rav4 in Tulsa

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Really, the only way to find lower priced car insurance rates is to regularly compare price quotes from insurance carriers who can sell car insurance in Tulsa. This can be done by following these steps.

  1. Spend some time learning about policy coverages and the modifications you can make to lower rates. Many factors that are responsible for high rates such as at-fault accidents, careless driving, and a poor credit rating can be controlled by improving your driving habits or financial responsibility.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of companies. Find a Tulsa insurance agent
  3. Compare the price quotes to the price on your current policy to see if you can save by switching companies. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide notification to your current agent or company to cancel your existing policy and submit a completed application and payment to your new insurance company. As soon as you receive it, place the new certificate verifying coverage in an easily accessible location.

One thing to remember is to try to use identical limits and deductibles on every quote and and to get rate quotes from as many companies as feasibly possible. This provides a level playing field and a better comparison of the market.

Discount Toyota Rav4 insuranceIt's hard to fathom, but almost 70% of insureds in Oklahoma have purchased from the same company for at least four years, and 38% of customers have never compared car insurance rates at all. American drivers could save themselves about 46.5% a year just by getting comparison quotes, but they won't spend time to go online and compare rates.

If you're already insured or are looking for a new policy, use these cost-cutting techniques to shop for the lowest rates without sacrificing coverage. Buying the cheapest car insurance in Tulsa is really not that difficult. Drivers just need to learn the best way to compare price quotes using one simple form.

Most major insurance companies give coverage prices on their websites. Obtaining pricing for Toyota Rav4 insurance in Tulsa is quite easy as you simply enter the amount of coverage you want as detailed in the form. When the form is submitted, their rating system makes automated requests for your driving record and credit report and generates a price determined by many factors. Using the web to get rate quotes for Toyota Rav4 insurance in Tulsa makes it simple to compare prices and it's absolutely necessary to get many rate quotes in order to find cheap car insurance pricing.

If you want to find out what other companies charge, take a look at the companies shown below. If you currently have coverage, we recommend that you enter deductibles and limits just like they are on your policy. This ensures you are getting a price comparison for similar insurance coverage.

The companies in the list below provide price quotes in Tulsa, OK. If you want to find the cheapest auto insurance in Tulsa, it's a good idea that you get rate quotes from several of them to get a more complete price comparison.

Car insurance does more than just repair your car

Despite the high insurance cost for a Toyota Rav4 in Tulsa, insurance is required by state law in Oklahoma and it also provides benefits you may not be aware of.

  • Most states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability in order to drive the car. 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 Toyota Rav4 has a lienholder, it's guaranteed your bank will force you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank will be required to insure your Toyota at an extremely high rate and force you to reimburse them for the expensive policy.
  • Insurance safeguards both your vehicle and your assets. It will also cover hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of insuring your Rav4 more than offset the price you pay, specifically if you ever have a liability claim. On average, a vehicle owner in Tulsa is overpaying more than $700 annually so you should quote and compare rates at every renewal to save money.

Analysis of coverages

The coverage information displayed below outlines detailed analysis of coverage prices for Toyota Rav4 models. Learning a little about how car insurance prices are formulated can assist in making decisions on the best policy to buy.

Toyota Rav4 Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 2WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 2WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 4WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 4WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Sport 2WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Sport 2WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Limited 4WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Limited 2WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Limited 2WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Limited 2WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Limited 4WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Sport 4WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Sport 4WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Limited 4WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Limited 4WD $242 $486 $506 $30 $152 $1,416 $118
RAV4 Limited 2WD $242 $486 $506 $30 $152 $1,416 $118
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Table data does not factor in specific Tulsa garaging location which can lower or raise rates significantly.

Gender-based insurance rates by age in Tulsa

The illustration below visualizes the comparison of Toyota Rav4 premium costs for male and female drivers. The data is based on a clean driving record, no claims, full coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Cost of full coverage

The chart below compares Toyota Rav4 insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Oklahoma. The prices are based on no claims or driving violations, $250 deductibles, single status, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There is no clear-cut formula of when to stop paying for full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's assume your Toyota Rav4 replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after the deductible is paid. If premium cost is more than $500 annually for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are some situations where only buying liability is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Auto insurance discounts are available to lower rates

The cost of insuring your cars can be expensive, but there's a good chance there are discounts that can help lower your rates. Certain credits will be shown at the time you complete a quote, but a few must be asked about before being credited.Auto insurance discounts

  • Waiver for an Accident - Not a discount per se, but companies like Liberty Mutual, Allstate and State Farm permit an accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Pay Early and Save - By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Buy New and Save - Putting auto insurance coverage on a new Rav4 can cost up to 25% less since newer models are generally safer.
  • Cautious Drivers - Insureds who avoid accidents can save as much as half off their rates as compared to drivers with claims.
  • Discounts for Government Workers - Being employed by or retired from a federal job could qualify for a slight premium decrease but check with your company.
  • Good Student - Being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Bundled Policy Discount - If you have multiple policies and place coverage with the same company you will save nearly 15% which can help you find cheap Rav4 insurance.
  • Theft Prevention Discount - Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Organization Discounts - Being a member of certain professional organizations is a simple method to lower premiums when shopping for auto insurance.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts should help reduce your auto insurance premiums.

The example below shows the difference between Toyota Rav4 insurance prices with and without some available policy discounts. The information is based on a male 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 multi-car, safe-driver, marriage, multi-policy, homeowner, and claim-free discounts applied.

A few popular companies and some of the discounts can be read below.

  • State Farm offers discounts including passive restraint, good driver, student away at school, good student, defensive driving training, and driver's education.
  • American Family has discounts for multi-vehicle, good student, TimeAway discount, good driver, early bird, and bundled insurance.
  • AAA has savings for multi-policy, education and occupation, anti-theft, good driver, good student, multi-car, and pay-in-full.
  • GEICO policyholders can earn discounts including emergency military deployment, air bags, anti-theft, daytime running lights, and good student.
  • Mercury Insurance discounts include age of vehicle, anti-theft, accident-free, multi-policy, ease of repair, annual mileage, and good driver.
  • Farmers Insurance may offer discounts for early shopping, business and professional, mature driver, electronic funds transfer, good student, youthful driver, and bundle discounts.
  • Progressive offers premium reductions for continuous coverage, multi-policy, good student, multi-vehicle, and online quote discount.

Check with each insurance company to give you their best rates. A few discounts may not apply to policies in your area. To see providers who offer auto insurance discounts in Tulsa, click here.

When should I discuss my situation with an agent?

When it comes to buying insurance from an agent or online, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect thatInsurance savings For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Do all my vehicles need collision coverage?
  • Should I pay a claim out-of-pocket?
  • Why does it cost so much to insure a teen driver in Tulsa?
  • How can I get high-risk coverage after a DUI?
  • What if a claim settlement is too low?
  • Does my insurance cover a custom paint job?
  • What does medical payments cover?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is pet coverage available?
  • Does liability extend to a camper or trailer?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It's fast, free and may give you better protection.

Oklahoma auto insurance company ratings

Insuring your vehicle with the highest-rated car insurance company can be rather challenging considering how many companies provide coverage in Oklahoma. The company information below may help you decide which providers you want to consider shopping your coverage with.

Top 10 Tulsa Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance