We don’t have to tell you that insurance companies don’t want their policyholders to compare prices. Insureds who shop around at least once a year will presumably buy a different policy because of the good chance of finding good coverage at a lower price. A recent survey discovered that drivers who regularly compared rates saved approximately $850 each year compared to those who never compared other company’s rates.
If finding the best price on auto insurance in Tulsa is your ultimate target, then learning about how to shop and compare cheaper coverage can make the process less intimidating.
The most effective way to find cheaper Kia Sorento insurance in Tulsa is to start doing a yearly price comparison from providers in Oklahoma.
Step 1: Read and learn about policy coverages and the steps you can take to prevent high rates. Many factors that are responsible for high rates like careless driving and a negative credit score can be eliminated by making minor driving habit or lifestyle changes. Keep reading for additional tips to help prevent expensive coverage and get bigger discounts.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agencies can provide rate quotes for many different companies.
Step 3: Compare the new rates to the price on your current policy to see if a cheaper rate is available. If you can save money and decide to switch, make sure coverage does not lapse between policies.
Step 4: Provide notification to your current agent or company to cancel your existing policy. Submit a down payment along with a signed application to the new insurer. Immediately store the certificate verifying proof of insurance in your glove compartment.
The key thing to know about shopping around is to use identical coverages on every price quote and and to get prices from all possible companies. Doing this helps ensure a fair rate comparison and a thorough selection of prices.
If you have insurance now or are just looking to switch companies, use these techniques to reduce the price you pay and still have adequate protection. Quoting and buying cheaper coverage in Tulsa can be fairly easy. Vehicle owners just need to understand the proper way to get comparison quotes from many companies at once.
Most major insurance companies like State Farm and Allstate allow consumers to get prices from their websites. Doing online quotes for Kia Sorento insurance in Tulsa is quite simple as you just type in your personal and coverage information into the form. After you complete the form, their system obtains your driving record and credit report and provides a quote.
Being able to quote online for Kia Sorento insurance in Tulsa makes it a lot easier to compare rates and it’s also necessary to have as many quotes as possible in order to find the best rate possible.
In order to find out how much you can save on car insurance, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you duplicate the coverages exactly as shown on your declarations page. This way, you will be getting a fair comparison using the same coverage and limits.
The following companies have been selected to offer price quotes in Oklahoma. If you want cheaper car insurance in Tulsa, OK, we recommend you get rate quotes from several of them in order to find the most affordable rates.
Slash your auto insurance rates with discounts
Insurance can cost an arm and a leg, but you might already qualify for some discounts to help offset the cost. Some of these discounts will be visible when you quote, but some need to be manually applied before you will receive the discount.
- Active Service Discounts – Having an actively deployed family member can result in better rates.
- New Car Discount – Insuring a new Sorento can save up to 30% because newer models are generally safer.
- Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Paperless Signup – Some of the larger companies give back up to $50 simply for signing on the internet.
- Payment Method – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid monthly service charges.
- Cautious Driver Discounts – Insureds without accidents can pay as much as 50% less than less cautious drivers.
- Discount for Swiching Early – Select insurance companies give a discount for switching to them prior to your current Sorento insurance policy expiring. The savings is around 10%.
- Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
- Organization Discounts – Belonging to a civic or occupational organization in Tulsa may earn a discount on auto insurance.
It’s important to understand that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.
Popular auto insurance companies and some of their more popular discounts are shown below.
- State Farm offers discounts including passive restraint, multiple autos, safe vehicle, driver’s education, student away at school, accident-free, and Steer Clear safe driver discount.
- GEICO has savings for membership and employees, seat belt use, five-year accident-free, multi-vehicle, air bags, and federal employee.
- SAFECO may include discounts for teen safety rewards, drive less, accident prevention training, bundle discounts, anti-lock brakes, multi-car, and anti-theft.
- Farmers Insurance policyholders can earn discounts including multi-car, homeowner, distant student, business and professional, and good student.
- AAA has discounts for pay-in-full, multi-car, education and occupation, multi-policy, anti-theft, good student, and good driver.
- USAA may have discounts that include new vehicle, safe driver, loyalty savings, multi-policy, good student, family discount, and driver training.
Before buying, ask every insurance company to apply every possible discount. Some discounts may not be offered in Tulsa. To see auto insurance companies that offer many of these discounts in Tulsa, click here to view.
Why Your Insurance Rates might be higher
An important part of buying insurance is that you know the factors that are used to determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with lower premium levels. Lots of factors are taken into consideration when premium rates are determined. Most are fairly basic such as your driving record, but some are less apparent such as your credit history and annual miles driven.
Insurance rates are higher for high performance vehicles – The performance of the vehicle you are insuring makes a big difference in your auto insurance rates. The lowest rates are for low performance passenger models, but the final cost of insurance is determined by many other factors.
Raise your physical damage deductibles for better prices – Physical damage insurance, aka comp and collision, insures against damage to your Kia. Some examples of covered claims are a windshield shattered by a rock, damage from fire, and damage caused by flying debris. The deductibles you choose define the amount you are required to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the lower your rates will be.
Maintain auto insurance coverage – Driving without insurance coverage in place is against the law and any future policy may cost more because you let your insurance coverage expire. And not only will insurance be more expensive, getting caught without coverage could earn you fines or a revoked license.
Married people drive safer – Having a significant other may earn you lower rates on your auto insurance bill. Marriage generally demonstrates drivers are less irresponsible and it’s proven that married drivers get in fewer accidents.
Use but don’t abuse your insurance – If you frequently file small claims, you shouldn’t be surprised to get either policy cancellation or increased premiums. Auto insurance companies in Oklahoma give most affordable rates to policyholders who file claims infrequently. Your insurance policy is designed for claims that you cannot pay yourself.
City dwellers may pay more – Having an address in less populated areas of the country has definite advantages when it comes to auto insurance. City drivers tend to have more aggressive driving styles and a longer drive to work. Less people means a lower chance of having an accident in addition to lower liability claims.
Gender as a rate factor – Statistics demonstrate that females take fewer risks when driving. Now that doesn’t mean males are worse at driving than females. Men and women cause accidents in similar numbers, but the male of the species get into accidents with more damage. Men also get cited for more serious violations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident so they pay the highest premiums.
Lower premiums for safer vehicles – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles built for safety reduce the chance of injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If the Kia Sorento is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Insurance loss data for Kia Sorento vehicles – Insurers use past loss statistics for each vehicle to help set a rate to offset losses. Vehicles that the data shows to have a higher amount or frequency of claims will have a higher premium rate. The next table shows the loss history for Kia Sorento vehicles.
For each policy coverage, the statistical loss for all vehicles combined as an average equals 100. Numbers below 100 are indicative of better than average losses, while values over 100 point to more losses or an increased probability of a larger loss.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Kia Sorento 4dr 2WD||80||86||82||110||111||94|
|Kia Sorento 4dr 4WD||85||87||101||97||98||85|
Statistics from IIHS.org for 2013-2015 Model Years