Cheapest Quotes for Chevy Equinox Insurance in Tulsa

The best way we recommend to get more affordable Chevy Equinox insurance is to start doing a yearly price comparison from different companies in Tulsa.

First, it will benefit you to learn about what coverages are included in your policy and the measures you can control to lower rates. Many policy risk factors that increase rates such as traffic tickets, fender benders, and a low credit score can be rectified by making minor changes in your lifestyle.

Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can quote rates for a wide range of companies.

Third, compare the quotes to your current policy to determine if switching companies saves money. If you find better rates, make sure coverage is continuous and does not lapse.

Fourth, provide proper notification to your current company to cancel your current auto insurance policy and submit payment and a completed application to the new company. Once coverage is bound, keep the new certificate verifying coverage in your glove compartment.

One piece of advice is to make sure you enter the same deductibles and limits on each quote request and and to get price quotes from as many companies as feasibly possible. Doing this provides the most accurate price comparison and a thorough selection of prices.

Insurance for Chevy EquinoxA recent study showed that 70% of consumers kept their coverage with the same insurance company for a minimum of four years, and 38% of drivers have never quoted insurance rates at all. Drivers in Oklahoma could cut their rates by up to 35% a year by just comparing quotes, but they assume it’s a waste of time to find affordable insurance by shopping around.

All the larger car insurance companies allow consumers to get coverage prices on the web. Getting quotes for Chevy Equinox insurance in Tulsa is possible for anyone as you simply type in the coverage amounts you desire into a form. Once you submit the form, their quoting system gets your credit score and driving record and quotes a price. Quoting online for Chevy Equinox insurance in Tulsa helps simplify price comparisons, and it’s absolutely necessary to perform this step in order to get a better rate.

To quickly use this form to compare rates, consider comparing rates from the companies shown below. If you have coverage now, it’s recommended you copy the insurance coverages just like they are on your policy. Doing this assures you are getting rate quotes based on the exact same insurance coverage.

The car insurance companies shown below offer free quotes in Tulsa, OK. If you want to find cheap auto insurance in Tulsa, we suggest you visit several of them to get the best price comparison.

Why do I need car insurance?

Despite the high cost, buying auto insurance serves several important purposes.

The benefits of buying enough insurance definitely exceed the cost, especially with large liability claims. The average driver in America is currently overpaying as much as $869 every year so it’s recommended you shop around at least once a year to ensure rates are competitive.

Rates and detailed analysis

The premium table shown next highlights estimates of insurance costs for Chevy Equinox models. Learning how insurance quotes are calculated can be of help when making smart choices when buying a car insurance policy.

Chevrolet Equinox Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $302 $592 $430 $26 $128 $1,478 $123
Equinox LT 2WD $302 $592 $430 $26 $128 $1,478 $123
Equinox LS AWD $302 $592 $430 $26 $128 $1,478 $123
Equinox LT AWD $302 $592 $430 $26 $128 $1,478 $123
Equinox LTZ 2WD $340 $698 $430 $26 $128 $1,622 $135
Equinox LTZ AWD $340 $698 $430 $26 $128 $1,622 $135
Equinox LTZ AWD $340 $698 $430 $26 $128 $1,622 $135
Get Your Own Custom Quote Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in specific garaging location which can change price quotes significantly.

Higher deductibles lower rates

The hardest decision when buying coverage is where to set your physical damage deductibles. The premium rates below help summarize the rate fluctuation of buying low and high physical damage coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Chevrolet Equinox insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $386 $698 $448 $26 $134 $1,717 $143
Equinox LT 2WD $386 $698 $448 $26 $134 $1,717 $143
Equinox LS AWD $386 $698 $448 $26 $134 $1,717 $143
Equinox LT AWD $386 $698 $448 $26 $134 $1,717 $143
Equinox LTZ 2WD $436 $822 $448 $26 $134 $1,891 $158
Equinox LTZ AWD $436 $822 $448 $26 $134 $1,891 $158
Equinox LTZ AWD $436 $822 $448 $26 $134 $1,891 $158
Get Your Own Custom Quote Go

Chevrolet Equinox insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $282 $472 $448 $26 $134 $1,362 $114
Equinox LT 2WD $282 $472 $448 $26 $134 $1,362 $114
Equinox LS AWD $282 $472 $448 $26 $134 $1,362 $114
Equinox LT AWD $282 $472 $448 $26 $134 $1,362 $114
Equinox LTZ 2WD $318 $554 $448 $26 $134 $1,480 $123
Equinox LTZ AWD $318 $554 $448 $26 $134 $1,480 $123
Equinox LTZ AWD $318 $554 $448 $26 $134 $1,480 $123
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in specific location information which can influence price quotes significantly.

Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $31 more each month or $372 for a full year than selecting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 13 months between claim filings, you would more than likely save some money going with the higher deductible. Below is how we made this calculation.

Average monthly premium for $100 deductibles: $149
Average monthly premium for $500 deductibles (subtract): – $118
Monthly savings from raising deductible: $31
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

The example below highlights how deductible choice and can affect Chevy Equinox insurance costs for each age group. The premium estimates are based on a single female driver, full coverage, and no other discounts are factored in.

Cheap Tulsa insurance rates with discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that can help lower your rates. Many discounts should be triggered at quote time, but a few must be requested specifically in order for you to get them.Save money with discounts

You should keep in mind that most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, insurance companies aren’t that generous.

The example below compares Chevy Equinox auto insurance rates with and without discounts applied to the policy rates. The data is based on a female driver, no claims or violations, Oklahoma state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, safe-driver, multi-policy, and multi-car discounts applied.

Companies and their possible discounts can be found below.

If you are trying to find affordable Chevrolet Equinox insurance quotes, ask each company or agent which discounts you may be entitled to. Discounts might not be available to policyholders in every state. To view insurance companies who offer insurance discounts in Oklahoma, click here to view.

Car insurance is available from local insurance agents

Many people prefer to have an agent’s advice and that is not a bad decision The best thing about getting free rate quotes online is that drivers can save money and get cheaper rates and also buy local.

Insurance agency in TulsaTo find an agent, once you fill out this short form, your insurance data is immediately sent to participating agents in Tulsa that can provide free Tulsa car insurance quotes for your car insurance coverage. You won’t need to find an agent as quotes are delivered to you directly. You can find the lowest rates and a licensed agent to talk to. If for some reason you want to compare rates from a particular provider, don’t hesitate to navigate to their website and submit a quote form there.

Picking an company shouldn’t rely on just the premium amount. Here are some questions you should ask.

The difference between Tulsa auto insurance agents

If you’re trying to find a reliable insurance agency, there are a couple of types of insurance agents and how they can quote your rates. Insurance agencies in Tulsa can be categorized as either exclusive or independent (non-exclusive).

Exclusive Agents

Agents that choose to be exclusive generally can only insure with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They usually cannot shop your coverage around so they really need to provide good service. Exclusive insurance agents are well schooled on what they offer and that enables them to sell even at higher rates.

The following is a list of exclusive insurance agencies in Tulsa who can help you get price quote information.

8222 S Lewis AveTulsa, OK 74137(918) 518-6700View Map

Cathy Warren – State Farm Insurance Agent
6119 E 91st St Ste 100Tulsa, OK 74137(918) 481-6655View Map

6043 S Sheridan RdTulsa, OK 74145(918) 496-0513View Map

More insurance agents

Independent Insurance Agents

Independent agents are not employed by one company and that enables them to quote your coverage with an assortment of companies and find the cheapest rate. If they quote lower rates, your agent can just switch to a different company which is easy for the insured.

If you are comparing rate quotes, it’s a good idea to get rate quotes from at least one independent agent for maximum quote selection.

The following are Tulsa independent agents that are able to give price quote information.

6145 E 21st StTulsa, OK 74114(918) 832-8823View Map

427 South Boston Avenue, 518Tulsa, OK 74103(918) 574-6262View Map

6710 E Admiral PlTulsa, OK 74115(918) 836-5551View Map

More insurance agents

You can lower your insurance rates

When getting Tulsa car insurance quotes online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where consumers will sacrifice liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Discount Chevy Equinox insurance in Tulsa is definitely available from both online companies in addition to local insurance agencies, so you need to shop Tulsa car insurance with both to get a complete price analysis. There are still a few companies who may not offer price quotes online and many times these smaller providers only sell through local independent agents.

More learning opportunities