Car Insurance Quotes for a Land Rover LR4 in Tulsa

Insurance quote for Land Rover LR4 in TulsaFinding cheaper insurance for a new or used Land Rover LR4 in Oklahoma can turn out to be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to buy car insurance and we’ll show you the absolute fastest way to quote coverages for a Land Rover and locate the best price possible either online or from Tulsa insurance agents.

Locating the most cost-effective auto insurance policy in Tulsa is actually very simple if you learn how to start. If you already have coverage or just want cheaper coverage, you can use these tips to shop for the lowest rates and still get good coverage. Shoppers just have to use the most time-saving way to compare rate quotes instantly.

Best companies for Land Rover LR4 insurance

The companies in the list below can provide comparison quotes in Tulsa, OK. To get cheap car insurance in Tulsa, it’s highly recommended you compare several of them to get the best price comparison.

Land Rover LR4 insurance rates and statistics

The price information displayed below covers a range of insurance costs for Land Rover LR4 models. Being aware of how insurance prices are formulated is important for you to make smart choices when comparing insurance rates.

Land Rover LR4 Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $330 $612 $606 $36 $182 $1,766 $147
LR4 HSE $330 $612 $606 $36 $182 $1,766 $147
LR4 HSE Plus $330 $694 $606 $36 $182 $1,848 $154
LR4 LUX $360 $694 $606 $36 $182 $1,878 $157
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific garaging location which can decrease or increase premiums considerably.

Rate comparison for different deductibles

One common question asked by Tulsa drivers is the level to set your comp and collision deductibles. The data tables below show the differences in premium rates when you choose different comp and collision deductibles. The first table uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Land Rover LR4 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $480 $792 $448 $26 $134 $1,905 $159
LR4 HSE $480 $792 $448 $26 $134 $1,905 $159
LR4 HSE Plus $480 $896 $448 $26 $134 $2,009 $167
LR4 LUX $524 $896 $448 $26 $134 $2,053 $171
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Land Rover LR4 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $390 $638 $448 $26 $134 $1,636 $136
LR4 HSE $390 $638 $448 $26 $134 $1,636 $136
LR4 HSE Plus $390 $722 $448 $26 $134 $1,720 $143
LR4 LUX $426 $722 $448 $26 $134 $1,756 $146
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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, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in garaging location in Tulsa which can affect rates greatly.

Based on these figures, using a $250 deductible will cost you approximately $24 more each month or $288 annually than opting for the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 10 months between claims, you would probably be better off if you decide on a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $164
Average monthly premium for $500 deductibles (subtract): – $140
Monthly savings from raising deductible: $24
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

An important sidenote is that raising deductibles results in having to pay to pay more out-of-pocket when you file a claim. You must have access to more funds in the event you need to pay the deductible.

Males versus Females

The example below compares Land Rover LR4 insurance prices for male and female drivers. The information is based on no claims or driving citations, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Cost of full coverage in Tulsa

The diagram below compares Land Rover LR4 insurance premiums with full physical damage coverage and with liability coverage only. The premium estimates are based on no claims or driving violations, $100 deductibles, drivers are single, and no policy discounts are applied.

When to buy liability coverage only

There is no clear-cut formula to stop buying physical damage coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Land Rover LR4 claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after you pay the deductible. If it’s costing you more than $300 annually to have full coverage, then it might be time to consider dropping full coverage.

There are a few situations where removing full coverage is not advised. If you haven’t paid off your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Cheaper rates with these nine premium slashing discounts

Companies that sell car insurance don’t always list every possible discount very clearly, so we researched a few of the more common and also the more inconspicuous credits that may apply to you. If you don’t get every credit you deserve, you are throwing money away.

It’s important to note that most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

The information below illustrates the difference between Land Rover LR4 insurance costs with and without discounts applied to the rates. The price estimates are based on a male driver, no driving violations, no at-fault accidents, 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, marriage, homeowner, multi-policy, multi-car, and safe-driver discounts applied.

Large insurance companies and a partial list of their discounts can be read below.

Before purchasing a policy, check with each company to give you their best rates. Depending on the company, some discounts may not be offered in your state.

Get rate quotes but buy from a local Tulsa insurance agency

Some people just prefer to buy from a licensed agent and that is just fine! Good insurance agents are trained to spot inefficiencies and help in the event of a claim. A nice benefit of price shopping on the web is the fact that drivers can get the best rates and also buy local.

Upon completion of this quick form, your insurance data is transmitted to agents in your area who will return price quotes for your coverage. It’s much easier because you don’t need to even leave your home due to the fact that quote results will go to you. In the event you want to get a rate quote for a specific company, you can always search and find their rate quote page and submit a quote form there.

Picking an insurer should include more criteria than just the premium amount. Any good agent in Tulsa should know the answers to these questions.

What type of Tulsa car insurance agent is right for you?

If you want to use local Tulsa agents, you should know the different types of agencies that you can choose from. Agents in Tulsa are classified as either exclusive or independent (non-exclusive). Both types of agents can insure your vehicles properly, but it’s important to know the difference in how they write coverage since it can affect which type of agent you select.

Exclusive Insurance Agencies

Exclusive agents can only provide one company’s prices such as Allstate, Farmers Insurance, State Farm, and AAA. They are unable to shop your coverage around so they have to upsell other benefits. These agents are well schooled in insurance sales and that allows them to sell at a higher price point. Some insured continue to buy insurance from these agents partially due to the brand name and solid financial strength.

Listed below is a list of exclusive agents in Tulsa that are able to give comparison quotes.

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Independent Auto Insurance Agencies

These agents do not sell for just one brand so as a result can place your coverage through lots of different companies and find you cheaper rates. If they find a cheaper price, they simply move your policy to a different company and that require little work on your part.

When comparing rates, you will definitely want to get insurance quotes from several independent insurance agents to get the best comparison. A lot of them also have access to mutual insurance companies that many times have cheaper rates.

Shown below is a short list of independent agents in Tulsa willing to provide rate quotes.

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If you feel you receive answers to your satisfaction to any questions you may have as well as a price you’re happy with, you may have found a car insurance agent that meets the criteria to adequately provide auto insurance. Just keep in mind you can always cancel coverage whenever you choose to so don’t think you’re contractually obligated to the auto insurance policy with no way out.

Best auto insurance company in Tulsa

Insuring your vehicle with a high-quality auto insurance provider can be rather challenging considering how many companies sell coverage in Oklahoma. The rank data in the next section can help you select which insurers you want to consider when comparing rate quotes.

Tulsa, Oklahoma Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Car insurance coverage basics

Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability coverages

This will cover damage or injury you incur to people or other property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability insurance covers claims like medical services, structural damage, pain and suffering and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford. Oklahoma state minimum liability requirements are 25/50/25 but drivers should carry more liability than the minimum.

The chart below shows why buying minimum limits may not be enough coverage.

Collision coverage

Collision insurance will pay to fix damage to your LR4 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible on your LR4 in order to get cheaper collision rates.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Land Rover LR4.

Due to the fact that many Oklahoma drivers have only the minimum liability required by law (which is 25/50/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills for chiropractic care, hospital visits, dental work, surgery and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Quote more to save more

When shopping online for auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. The aim is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

Discount Land Rover LR4 insurance in Tulsa is definitely available both online and from local insurance agents, so get free Tulsa auto insurance quotes from both of them so you have a total pricing picture. Some insurance companies may not have price quotes online and usually these small, regional companies only sell coverage through independent agents.

You just read many tips how you can get a better price on Land Rover LR4 insurance in Tulsa. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest Land Rover LR4 rate quotes. You may even find the lowest premium rates come from the least-expected company.

Steps to buying discount Land Rover LR4 insurance in Tulsa

The best way to find lower priced Land Rover LR4 insurance is to start comparing rates regularly from providers who can sell car insurance in Tulsa. Rates can be compared by completing these steps.

  1. Take a little time to learn about how companies price auto insurance and the factors you can control to keep rates in check. Many policy risk factors that drive up the price such as your driving record and a lousy credit rating can be rectified by improving your driving habits or financial responsibility.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agents can quote rates from multiple companies.
  3. Compare the new rates to your existing coverage to see if a cheaper price is available. If you find a lower rate and make a switch, verify that coverage does not lapse between policies.
  4. Provide proper notification to your current company to cancel your current policy. Submit the signed application along with the required initial payment for the new policy. When you receive it, place your new proof of insurance paperwork in an easily accessible location in your vehicle.

An essential thing to point out is to make sure you’re comparing the same physical damage deductibles and liability limits on each quote request and and to get rates from as many companies as you can. Doing this provides an accurate price comparison and the best price selection.

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