Jeep Wrangler Insurance Quotes in Tulsa

Unbelievable but true, over 70% of consumers kept their coverage with the same insurance company for four years or more, and 38% of drivers have never even compared rates from other companies. Consumers in Oklahoma could pocket almost 35% a year just by getting comparison quotes, but they assume it’s a waste of time to find lower-cost insurance rates.

If your goal is the lowest price, then the best way to find more affordable Jeep Wrangler insurance in Tulsa is to regularly compare quotes from insurance carriers in Oklahoma.

1. Try to learn a little about what coverages are included in your policy and the steps you can take to keep rates down. Many factors that result in higher prices like your driving record and a bad credit rating can be controlled by making minor driving habit or lifestyle changes. This article provides ideas to prevent high prices and find discounts that you may qualify for.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agents can quote rates for many different companies.
3. Compare the quotes to the premium of your current policy to determine if you can save on Wrangler insurance. If you find better rates and decide to switch, verify that coverage does not lapse between policies.

One piece of advice is to make sure you’re comparing identical coverages on each price quote and and to analyze as many different insurance providers as possible. Doing this enables a fair rate comparison and the best price selection.

Affordable companies for Jeep Wrangler insurance

The companies shown below offer price quotes in Tulsa, OK. If you wish to find cheaper car insurance in Tulsa, OK, we recommend you visit two to three different companies to find the lowest auto insurance rates.

Statistics and details

The rate information displayed below covers estimates of insurance rates for Jeep Wrangler models. Understanding how insurance rates are calculated is important for you to make smart choices when comparing insurance quotes.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in garaging location in Tulsa which can raise or lower premiums significantly.

Higher deductibles save money

One of the hardest decisions when shopping for insurance is the level to set your comp and collision deductibles. The comparisons below summarize how much more rates are between low and high coverage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Above prices assume 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. Rate quotes do not factor in specific zip code location which can revise rates significantly.

Using the data above, we can ascertain that using a $100 deductible will cost you about $36 more each month or $432 for a full year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 25 months between claims, you would save more money if you elect the higher deductible.

Impact of speeding/accidents on insurance rates

The illustration below demonstrates how citations and at-fault fender-benders can affect Jeep Wrangler auto insurance rates for each age group. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Jeep Wrangler insurance premiums by gender and age

The illustration below illustrates the difference between Jeep Wrangler premium costs for male and female drivers. The prices are based on no violations or claims, full physical damage coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Don’t neglect these five discounts on Jeep Wrangler insurance in Tulsa

Companies don’t always list all available discounts in an easy-to-find place, so the following list contains some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

• Senior Discount – If you qualify as a senior citizen, you may receive lower premium rates.
• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
• No Charge for an Accident – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm may permit one accident before hitting you with a surcharge if you have no claims prior to the accident.
• ABS Brakes – Vehicles that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
• Life Insurance – Select insurance companies reward you with a break if you buy a life policy as well.

Consumers should know that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The example below shows the comparison of Jeep Wrangler annual premium costs with and without policy discounts. The premiums are based on a male driver, no accidents, no driving violations, Oklahoma state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, homeowner, multi-policy, and marriage discounts applied.

To choose auto insurance companies with the best discounts in Tulsa, click here.

Will just any policy work for me?

When selecting proper insurance coverage for your vehicles, there really isn’t a “perfect” insurance plan. Your situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether you would benefit from an agent’s advice.

• Which is better, split liability limits or combined limits?
• Is my custom paint covered by insurance?
• Am I better off with higher deductibles on my Jeep Wrangler?
• Does having multiple vehicles earn me a discount?
• What is roadside assistance coverage?
• How does medical payments coverage work?
• Is a new car covered when I drive it off the dealer lot?
• How much liability coverage do I need in Oklahoma?
• Are there companies who specialize in insuring high-risk drivers?
• Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

You may need help from an insurance agent

Some consumers still prefer to talk to an insurance agent and that is a personal choice. The best thing about comparing insurance prices online is the fact that drivers can get the lowest rates but also keep your business local.

To find an agent, once you fill out this simple form, the coverage information is transmitted to companies in Tulsa that give free quotes for your insurance coverage. You never need to leave your computer because prices are sent straight to your inbox. You can most likely find cheaper rates without the usual hassles of price shopping. If you want to get a rate quote from a specific insurance company, just jump over to their website and submit a quote form there.

Picking the best insurance company requires you to look at more than just a low price. A good agent in Tulsa will have answers to these questions.

• Are they giving you every discount you deserve?
• Did they already check your driving record and credit reports?
• Where would your vehicle be repaired?
• How often do they review policy coverages?
• Are they full-time agents?
• How are they compensated?
• How much will you save each year by using a higher deductible?
• Are they primarily personal or commercial lines agents in Tulsa?

When finding a local insurance agency, it’s important to understand the different types of agents and how they work. Auto insurance policy providers can be categorized as either independent or exclusive.

Exclusive Insurance Agents

Agents of this type write business for a single company and examples are Allstate and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so keep that in mind. Exclusive insurance agents are usually well trained on their company’s products which helps offset the inability to provide other markets. Some people will only buy from exclusive agents mainly due to the prominence of the brand and the convenience of having all coverages with one company.

Below is a short list of exclusive insurance agencies in Tulsa willing to provide price quotes.

• Allstate Insurance: David D’Arcangelo
  4502 E 51st St – Tulsa, OK 74135 – (918) 858-5000 – View Map
• Beverly Young – State Farm Insurance Agent
  7112 S Mingo Rd #102b – Tulsa, OK 74133 – (918) 250-1550 – View Map
• Bob Breitenstein – State Farm Insurance Agent
  7318 S Yale Ave – Tulsa, OK 74136 – (918) 492-7600 – View Map

More insurance agents

Independent Auto Insurance Agencies

Independent insurance agents are not limited to a single company so they can write business with an assortment of companies depending on which coverage is best. If you want to switch companies, they simply switch companies in-house and you don’t have to find a new agent. If you are comparing rate quotes, we recommend you compare prices from at a minimum one independent agency to have the best price comparison. Most can insure with smaller mutual companies that can offer cheaper rates than bigger companies.

Listed below are Tulsa independent agencies who can help you get comparison quotes.

• Admiral Insurance Agency
  6710 E Admiral Pl – Tulsa, OK 74115 – (918) 836-5551 – View Map
• All American Insurance Agency
  6145 E 21st St – Tulsa, OK 74114 – (918) 832-8823 – View Map
• Best Insurance Inc.
  1618 W 51st St – Tulsa, OK 74107 – (918) 949-3555 – View Map

More insurance agents

Car insurance coverages for a Jeep Wrangler

Having a good grasp of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average auto insurance policy.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses for things like prosthetic devices, EMT expenses, hospital visits and pain medications. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage

This coverage will pay to fix damage to your Wrangler from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible on your Wrangler in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, rock chips in glass, a broken windshield and hail damage. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as legal defense fees, medical expenses, emergency aid and loss of income. How much coverage you buy is a personal decision, but buy as large an amount as possible. Oklahoma state law requires minimum liability limits of 25/50/25 but it’s recommended drivers buy more liability than the minimum.

The illustration below shows why minimum state limits may not be adequate.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many Oklahoma drivers have only the minimum liability required by law (which is 25/50/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

In conclusion

When getting Tulsa car insurance quotes online, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time that it was a big error on their part. Your objective should be to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

You just learned a lot of ways to reduce Jeep Wrangler insurance auto insurance rates online in Tulsa. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

A few companies may not provide the ability to get a quote online and most of the time these smaller providers prefer to sell through independent insurance agencies. Cheap Jeep Wrangler insurance in Tulsa is attainable online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money.

Additional car insurance information is available on the following sites:

• Preventing Carjacking and Theft (Insurance Information Institute)
• Who Has Affordable Car Insurance Rates for Handicapped Drivers in Tulsa? (FAQ)
• Who Has Cheap Tulsa Auto Insurance Quotes for a Dodge Grand Caravan? (FAQ)
• State Car Insurance Guides (GEICO)
• Auto Insurance Basics (Insurance Information Institute)