Amazingly, a recent NerdWallet.com study showed that almost 70% of drivers kept their coverage with the same insurance company for well over three years, and 38% of drivers have never compared rates with other companies. Tulsa drivers could save an average of almost $551 each year by just comparing quotes, but most undervalue how much savings they would realize if they moved their coverage to a different company.
If you want to find the absolute lowest rates, then the best way to get low-cost auto insurance rates in Tulsa is to begin comparing prices regularly from companies that insure vehicles in Oklahoma.
- Step 1: Take a little time to learn about how car insurance works and the measures you can control to prevent expensive coverage. Many rating criteria that are responsible for high rates such as at-fault accidents, speeding tickets, and an imperfect credit rating can be eliminated by making lifestyle changes or driving safer. Continue reading for more ideas to get cheaper coverage and earn larger discounts.
- Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or Allstate, while independent agencies can give you price quotes from multiple companies.
- Step 3: Compare the new quotes to your existing coverage to determine if switching companies saves money. If you find a better price, make sure coverage is continuous and does not lapse.
One tip to remember is that you use similar deductibles and liability limits on each price quote and and to compare all possible companies. Doing this helps ensure a fair price comparison and a good representation of prices.
Ways to get Ford F-150 insurance price quotes in Tulsa, OK
The are a couple different ways to compare rate quotes from different Tulsa insurance companies. One of the best ways to find affordable Ford F-150 insurance rates consists of obtaining rate quotes online.
When comparison shopping, comparing more rates from different companies will increase your chances of finding better pricing.
The companies shown below are ready to provide free rate quotes in Oklahoma. If you wish to find the best cheap car insurance in OK, we suggest you compare several of them to get the most affordable price.
Why you need vehicle insurance in Oklahoma
Even though it's not necessarily cheap to insure a Ford in Tulsa, insurance may not be optional for several reasons.
First, the majority of states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance in order to get the vehicle licensed. 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 your car has a lienholder, it's most likely the lender will require that you have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Ford at a much higher premium rate and make you pay the higher price.
Third, car insurance protects your vehicle and your assets. It will also pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage will also pay to defend you in the event you are sued. If you have damage to your Ford as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance outweigh the cost, especially with large liability claims. An average driver in America is overpaying over $825 a year so you should quote rates at least once a year to help ensure money is not being wasted.
Rates and other information
The rate table shown next showcases a range of rate quotes for Ford F-150 models. Having a good understanding how insurance rates are formulated can help drivers make decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$258||$372||$422||$24||$126||$1,202||$100|
|F-150 STX Regular Cab 2WD||$258||$476||$422||$24||$126||$1,306||$109|
|F-150 XL Super Cab 2WD||$258||$476||$422||$24||$126||$1,306||$109|
|F-150 XLT Regular Cab 2WD||$258||$476||$422||$24||$126||$1,306||$109|
|F-150 STX Super Cab 2WD||$258||$476||$422||$24||$126||$1,306||$109|
|F-150 XL Crew Cab 2WD||$298||$476||$422||$24||$126||$1,346||$112|
|F-150 XLT Super Cab 2WD||$298||$476||$422||$24||$126||$1,346||$112|
|F-150 STX Regular Cab 4WD||$298||$476||$422||$24||$126||$1,346||$112|
|F-150 XL Regular Cab 4WD||$298||$476||$422||$24||$126||$1,346||$112|
|F-150 FX2 Super Cab 2WD||$298||$476||$422||$24||$126||$1,346||$112|
|F-150 XLT Crew Cab 2WD||$298||$476||$422||$24||$126||$1,346||$112|
|F-150 XL Super Cab 4WD||$298||$476||$422||$24||$126||$1,346||$112|
|F-150 XLT Regular Cab 4WD||$298||$476||$422||$24||$126||$1,346||$112|
|F-150 XL Crew Cab 4WD||$336||$476||$422||$24||$126||$1,384||$115|
|F-150 STX Super Cab 4WD||$336||$476||$422||$24||$126||$1,384||$115|
|F-150 XLT Super Cab 4WD||$336||$476||$422||$24||$126||$1,384||$115|
|F-150 FX2 2WD||$336||$578||$422||$24||$126||$1,486||$124|
|F-150 Lariat Super Cab 2WD||$336||$578||$422||$24||$126||$1,486||$124|
|F-150 Lariat Crew Cab 2WD||$336||$578||$422||$24||$126||$1,486||$124|
|F-150 FX4 Super Cab 4WD||$336||$578||$422||$24||$126||$1,486||$124|
|F-150 XLT Crew Cab 4WD||$336||$578||$422||$24||$126||$1,486||$124|
|F-150 FX4 4WD||$336||$578||$422||$24||$126||$1,486||$124|
|F-150 Lariat Crew Cab 4WD||$336||$578||$422||$24||$126||$1,486||$124|
|F-150 SVT Raptor Super Cab 4WD||$336||$578||$422||$24||$126||$1,486||$124|
|F-150 Lariat Super Cab 4WD||$336||$578||$422||$24||$126||$1,486||$124|
|F-150 Lariat Crew Cab Platinum 2WD||$336||$682||$422||$24||$126||$1,590||$133|
|F-150 Lariat Crew Cab Harley 2WD||$336||$682||$422||$24||$126||$1,590||$133|
|F-150 Lariat King Ranch 2WD||$336||$682||$422||$24||$126||$1,590||$133|
|F-150 Lariat King Ranch 4WD||$374||$682||$422||$24||$126||$1,628||$136|
|F-150 Lariat Crew Cab Harley 4WD||$374||$682||$422||$24||$126||$1,628||$136|
|F-150 Lariat Crew Cab Platinum 4WD||$374||$682||$422||$24||$126||$1,628||$136|
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price information does not factor in specific Tulsa garaging location which can decrease or increase prices greatly.
Ford F-150 liability-only versus full coverage
The example below shows the comparison of Ford F-150 insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Oklahoma. The costs are based on no claims, a clean driving record, $1,000 deductibles, single status, and no policy discounts are applied.
Should you pay for full coverage?
There is no definitive rule to drop comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.
For example, let's assume your Ford F-150 book value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying the physical damage deductible. If you are paying over $800 a year for full coverage, then it might be time to consider dropping full coverage.
There are some conditions where buying only liability insurance is not recommended. If you haven't satisfied your loan, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Get cheaper rates by receiving discounts
Not too many consumers would say auto insurance is affordable, but you may qualify for discounts that you may not know about. A few discounts will be applied at quote time, but some may not be applied and must be inquired about before they will apply. If you are not receiving all the discounts you qualify for, you're just leaving money on the table.
- Defensive Driving Course - Taking a course in driver safety could cut 5% off your bill and easily pay for the cost of the class.
- Anti-lock Brake Discount - Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.
- Anti-theft Discount - Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.
- Telematics Devices - People who choose to allow their auto insurance company to scrutinize vehicle usage by installing a telematics device such as In-Drive from State Farm or Allstate's Drivewise system could see a rate decrease if their driving habits are good.
- Discounts for Seat Belt Usage - Buckling up and requiring all passengers to fasten their seat belts can save 10% or more off the medical payments premium.
- Auto/Home Discount - When you combine your homeowners and auto insurance and insure them with the same company you could get a discount of up to 20% off your total F-150 insurance premium.
- Discounts for Federal Employees - Active or former government employment could provide a small rate reduction with select insurance companies.
- Save with a New Car - Insuring a vehicle that is new can be considerably cheaper since newer models have better safety ratings.
- Student Driver Training - Reduce the cost of insurance for teen drivers by having them complete a driver education course in school or through a local driver safety program.
Keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride.
The information below compares Ford F-150 car insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, Oklahoma state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, marriage, multi-policy, and homeowner discounts applied.
Popular auto insurance companies and their possible discounts are:
- American Family offers premium reductions for defensive driver, multi-vehicle, bundled insurance, mySafetyValet, and accident-free.
- Nationwide may have discounts that include anti-theft, business or organization, good student, easy pay, and Farm Bureau membership.
- MetLife has discounts for good driver, good student, multi-policy, claim-free, and defensive driver.
- 21st Century has savings for homeowners, automatic seat belts, 55 and older, student driver, air bags, anti-lock brakes, and early bird.
- Farmers Insurance offers discounts for business and professional, homeowner, youthful driver, early shopping, distant student, and electronic funds transfer.
- Allstate offers discounts including utility vehicle, 55 and retired, passive restraint, safe driver, and economy car.
If you want inexpensive Tulsa car insurance quotes, ask every prospective company the best way to save money. A few discounts might not be available to policyholders in your state.
Car insurance is unique, just like you
When choosing a policy for your vehicles, there isn't really a best way to insure your cars. Your needs are not the same as everyone else's.
For instance, these questions could help you determine if your insurance needs would benefit from professional advice.
- What is high-risk coverage and where do I buy it?
- Is business equipment covered while in my vehicle?
- Am I covered if I break a side mirror?
- Are my friends covered when driving my Ford F-150?
- Am I missing any policy discounts?
- When should I buy a commercial auto policy?
- What can I do if my company denied a claim?
- Am I covered if I hit someone who is not insured?
- Are rental cars covered under my policy?
If you can't answer these questions, 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.