The most effective way to get cheaper Saturn Outlook insurance in Tulsa is to annually compare prices from providers in Oklahoma.
First, it will benefit you to learn about what is in your policy and the modifications you can make to keep rates down. Many things that drive up the price like traffic violations, accidents, and a lousy credit rating can be controlled by making minor changes in your lifestyle. Continue reading for information to prevent rate hikes and find available discounts that you may qualify for.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of insurance providers.
Third, compare the new rates to your existing coverage to see if you can save by switching companies. If you find a better price, ensure coverage does not lapse between policies.
The key aspect of shopping around is to try to use the same level of coverage on each quote request and to quote with every insurance company. Doing this enables an accurate price comparison and many rates to choose from.
Unthinkable but true, 70% of consumers have remained with the same auto insurance company for over three years, and approximately 38% of consumers have never quoted rates to find cheaper coverage. Oklahoma insurance shoppers can cut their rates by 35% a year by just comparing quotes, but they don’t believe how much they could save if they switch to a new company.
Comparing quotes for the most affordable auto insurance policy in Tulsa is easy if you know what you’re doing. Essentially every person who has to purchase auto insurance stands a good chance to be able to save money. But Oklahoma car owners do need to understand how big insurance companies price online insurance because it can help you find the best coverage.
It’s important to know that obtaining a wide range of quotes increases the chance that you will find a better price. Some smaller insurers do not give rate quotes online, so it’s necessary to compare quotes from those companies as well.
The providers in the list below can provide free quotes in Oklahoma. If you want the best car insurance in Tulsa, we suggest you compare several of them in order to find the cheapest rates.
Three good reasons to insure your Outlook
Even though it can be expensive, paying for car insurance may be required for several reasons.
First, just about all states have compulsory liability insurance requirements which means state laws require specific limits of liability coverage in order to drive the car legally. 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 you took out a loan on your Outlook, it’s most likely the lender will have a requirement that you have comprehensive coverage to protect their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Saturn for a much higher rate and force you to reimburse them the higher price.
Third, car insurance preserves both your vehicle and your personal assets. Insurance will pay for medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney in the event you are sued. If your Saturn gets damaged, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having car insurance are definitely more than the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver overpays as much as $810 a year so it’s recommended you shop around each time the policy renews to be sure current rates are still competitive.
Analysis of Saturn Outlook rates
The coverage information displayed next covers different insurance premium costs for Saturn Outlook models. Learning a little about how insurance prices are established can help you make informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outlook XE 2WD||$248||$400||$430||$26||$128||$1,232||$103|
|Outlook XV 2WD||$248||$400||$430||$26||$128||$1,232||$103|
|Outlook XE Premium 2WD||$276||$472||$430||$26||$128||$1,332||$111|
|Outlook XE AWD||$276||$472||$430||$26||$128||$1,332||$111|
|Outlook XE Premium AWD||$276||$472||$430||$26||$128||$1,332||$111|
|Outlook XR-L 2WD||$276||$472||$430||$26||$128||$1,332||$111|
|Outlook XR-L AWD||$276||$472||$430||$26||$128||$1,332||$111|
|Outlook XR-L Premium 2WD||$276||$472||$430||$26||$128||$1,332||$111|
|Outlook XR-L Premium AWD||$276||$472||$430||$26||$128||$1,332||$111|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in specific location information which can lower or raise rates greatly.
The information below illustrates how choosing a deductible and can influence Saturn Outlook premium costs for different age groups of insureds. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Premiums by gender and age
The chart below illustrates the comparison of Saturn Outlook yearly insurance costs for male and female drivers. The data is based on no accidents or driving violations, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.
Price comparison of only insuring for liability
The diagram below visualizes the comparison of Saturn Outlook insurance prices when comparing full coverage to state minimum liability only. The information is based on no violations or accidents, $100 deductibles, drivers are single, and no policy discounts are applied.
Should you pay for full coverage or liability only?
There is no clear-cut rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s pretend your Saturn Outlook replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $7,000 after the policy deductible has been paid. If premium cost is more than $700 annually to have full coverage, then you might want to think about dropping full coverage.
There are some cases where only buying liability is not a good plan. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Get discounts on Tulsa auto insurance
Buying auto insurance is not cheap, but discounts can save money and there are some available that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but some must be requested specifically prior to getting the savings. If they aren’t giving you every credit you deserve, you could be getting lower rates.
- No Claim Discounts – Tulsa drivers who stay claim-free can earn big discounts as opposed to policyholders that have many claims.
- Service Members Pay Less – Being deployed in the military could be rewarded with lower prices.
- New Car Discount – Buying a new car model can cost up to 25% less because new vehicles keep occupants safer.
- Homeowners Savings – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
- Seat Belt Usage – Forcing all vehicle occupants to buckle up could save 15% off the medical payments premium.
- Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and will save you 10% or more on Outlook insurance in Tulsa.
- Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
It’s important to understand that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts will positively reduce the amount you pay for coverage.
The information below illustrates the comparison of Saturn Outlook insurance prices with and without discounts applied to the rates. The data assumes a female driver, a clean driving record, no at-fault accidents, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, claim-free, multi-car, and homeowner discounts applied.
Companies and a partial list of their discounts are detailed below.
- 21st Century may offer discounts for driver training, good student, automatic seat belts, early bird, defensive driver, 55 and older, and air bags.
- State Farm discounts include good student, passive restraint, driver’s education, anti-theft, accident-free, multiple autos, and multiple policy.
- AAA has savings for multi-car, education and occupation, pay-in-full, AAA membership discount, and good student.
- Liberty Mutual may include discounts for multi-car, multi-policy, new vehicle discount, good student, newly married, preferred payment discount, and new graduate.
- Progressive offers discounts for online signing, homeowner, online quote discount, multi-vehicle, and continuous coverage.
When comparing rates, check with all companies you are considering to give you their best rates. Some of the earlier mentioned discounts may not be offered everywhere. If you would like to see a list of companies who offer online Saturn Outlook insurance quotes in Oklahoma, click here.
Car insurance quotes from local Tulsa insurance agents
A small number of people just prefer to buy from a licensed agent and that is a smart decision The best thing about price shopping on the web is you may find lower rates and still have an agent to talk to. Buying insurance from small agencies is definitely important in Tulsa.
For easy comparison, once you complete this simple form, your insurance coverage information is immediately sent to local insurance agents in Tulsa that can provide free Tulsa auto insurance quotes for your coverage. There is no need to contact any agents as quotes are delivered to you instantly. You can get cheaper car insurance rates and an insurance agent to talk to. If you need to compare rates from a specific car insurance provider, you just need to search and find their rate quote page and give them your coverage information.
Choosing the best insurance company requires you to look at more than just a low price. Any agent in Tulsa should be forthright in answering these questions:
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are you getting all the discounts the company offers?
- Do the coverages you’re quoting properly cover your vehicle?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- What is the agency’s Better Business Bureau rating?
If you get answers to your satisfaction to any questions you have and a good coverage price, most likely you have located an provider that is reputable and can properly insure your vehicles. Keep in mind you are able to terminate coverage at any time so never feel that you are permanently stuck with any specific agency for any length of time.
Oklahoma car insurance company ratings
Insuring your vehicle with the best insurer can be rather challenging considering how many choices drivers have in Oklahoma. The rank data shown next may help you decide which auto insurance companies you want to consider putting your business with.
Top 10 Tulsa Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Tulsa Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
You can find cheap coverage
As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed full coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.
People change insurance companies for a variety of reasons including not issuing a premium refund, questionable increases in premium, policy non-renewal and poor customer service. It doesn’t matter what your reason, switching auto insurance companies is easier than you think.
We just presented many ways to save on Saturn Outlook insurance in Tulsa. The key concept to understand is the more quotes you get, the higher your chance of finding low cost Tulsa auto insurance quotes. Drivers may even discover the most savings is with a small local company.
Additional detailed information can be read at these sites:
- How to shop for a safer car (Insurance Institute for Highway Safety)
- What Insurance is Cheapest with Multiple Speeding Tickets in Tulsa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a 20 Year Old Female in Tulsa? (FAQ)
- How Much is Auto Insurance for a Nissan Sentra in Tulsa? (FAQ)
- What Car Insurance is Cheapest for High School Students in Tulsa? (FAQ)
- Child Safety FAQ (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Liability Insurance Coverage (Nationwide)