The recommended way to get cheaper car insurance rates is to regularly compare prices from companies that sell auto insurance in Tulsa. You can compare prices by completing these steps.
Step 1: Get a basic knowledge of how car insurance works and the changes you can make to prevent high rates. Many policy risk factors that are responsible for high rates like high-risk driving behaviors and a less-than-favorable credit rating can be amended by making minor changes in your lifestyle.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agencies can provide prices from multiple insurance companies.
Step 3: Compare the new rates to the premium of your current policy to determine if you can save on Dakota insurance in Tulsa. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.
Step 4: Give notification to your current company of your decision to cancel your existing policy. Submit a down payment along with a signed application to the new company. Once coverage is bound, safely store the proof of insurance certificate in an accessible location in your vehicle.
One thing to remember is to compare the same level of coverage on each quote and and to get quotes from as many companies as possible. Doing this enables an accurate price comparison and a complete rate analysis.
It’s an obvious assumption that insurance companies want to keep you from comparing prices. People who compare rates at least once a year are inclined to switch to a new company because there is a great chance of finding a cheaper policy. Remarkably, a study showed that drivers who compared price quotes annually saved as much as $3,400 over four years compared to people who never shopped around for lower prices.
If finding the lowest rates on car insurance is your objective, then learning a little about how to find companies and compare auto insurance can save time and make the process easier.
The method we recommend to get policy rate comparisons for Dodge Dakota insurance in Tulsa utilizes the fact most larger insurance companies provide online access to compare their rates. To begin a comparison, all you need to do is give them some information such as your occupation, if a SR-22 is needed, level of coverage desired, and how old drivers are. Your rating data is then submitted to many different companies and you will get price comparisons quickly.
To compare multiple company cheap Dodge Dakota insurance rates now, click here and enter your zip code.
The providers in the list below are our best choices to provide quotes in Tulsa, OK. If your goal is to find cheap car insurance in Tulsa, we recommend you compare several of them in order to get a fair rate comparison.
Rates and statistics
The rate information displayed next outlines different insurance coverage prices for Dodge Dakota models. Learning how prices are figured is important for making informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Dakota ST Ext Cab 2WD||$302||$584||$560||$34||$168||$1,648||$137|
|Dakota Bighorn Ext Cab 2WD||$302||$584||$560||$34||$168||$1,648||$137|
|Dakota Lonestar Ext Cab 2WD||$346||$584||$560||$34||$168||$1,692||$141|
|Dakota ST Crew Cab 2WD||$346||$584||$560||$34||$168||$1,692||$141|
|Dakota Bighorn Crew Cab 2WD||$346||$688||$560||$34||$168||$1,796||$150|
|Dakota Lonestar Crew Cab 2WD||$346||$688||$560||$34||$168||$1,796||$150|
|Dakota Bighorn Ext Cab 4WD||$392||$584||$448||$26||$134||$1,584||$132|
|Dakota ST Ext Cab 4WD||$392||$584||$448||$26||$134||$1,584||$132|
|Dakota Laramie Crew Cab 2WD||$392||$688||$560||$34||$168||$1,842||$154|
|Dakota ST Crew Cab 4WD||$392||$584||$448||$26||$134||$1,584||$132|
|Dakota Lonestar Ext Cab 4WD||$392||$584||$448||$26||$134||$1,584||$132|
|Dakota Bighorn Crew Cab 4WD||$392||$584||$448||$26||$134||$1,584||$132|
|Dakota TRX Crew Cab 4WD||$392||$688||$448||$26||$134||$1,688||$141|
|Dakota TRX Crew Cab 4WD||$392||$688||$448||$26||$134||$1,688||$141|
|Dakota Lonestar Crew Cab 4WD||$392||$688||$448||$26||$134||$1,688||$141|
|Dakota Laramie Crew Cab 4WD||$436||$688||$448||$26||$134||$1,732||$144|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in specific location which can decrease or increase coverage rates significantly.
Male drivers compared to female drivers in Tulsa
The example below shows the comparison of Dodge Dakota insurance prices for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, full coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Dodge Dakota liability-only versus full coverage
The diagram below visualizes the comparison of Dodge Dakota auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Oklahoma. The costs are based on no violations or accidents, $100 deductibles, single status, and no discounts are taken into consideration.
When to drop comp and collision
There isn’t a written rule for eliminating physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Dodge Dakota book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after the deductible is paid. If you are paying over $400 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not drop full coverage.
Car insurance rates and discounts
Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. Many of these discounts will be applied automatically when you complete an application, but less common discounts must be asked for in order for you to get them.
- Savings for New Vehicles – Buying car insurance coverage on a new vehicle can cost up to 25% less due to better safety requirements for new vehicles.
- Sign Early and Save – Some companies provide a discount for switching companies before your current Dakota insurance policy expires. It’s a savings of about 10%.
- Pay Now and Pay Less – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
- Drivers Ed for Students – Have your child successfully take a driver’s education course as it will make them better drivers and lower rates.
- Employee of Federal Government – Active or former government employment may qualify for a discount when you quote Tulsa auto insurance with select insurance companies.
- Club Memberships – Having an affiliation with a qualifying organization is a good way to get lower rates on your next car insurance statement.
- No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on Tulsa auto insurance quote as compared to insureds who have frequent claims or accidents.
Policy discounts save money, but some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts should help lower your overall premium however.
The information below visualizes the comparison of Dodge Dakota insurance rates with and without discounts applied to the policy premium. The prices are based on a male driver, no accidents, no driving violations, 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 homeowner, claim-free, marriage, multi-car, multi-policy, and safe-driver discounts applied.
To see a list of companies who offer free Dodge Dakota insurance quotes in Oklahoma, click this link.
Why you need quality insurance for your vehicle
Despite the high cost of buying insurance for a Dodge Dakota in Tulsa, insurance is not optional due to several reasons.
- Just about all states have minimum liability requirements which means you are required to carry a specific level of liability coverage if you want to drive 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.
- If you have a loan on your Dakota, it’s guaranteed your bank will make it mandatory that you have physical damage coverage to guarantee loan repayment. If you default on your policy, the lender will be forced to insure your Dodge at a significantly higher premium and require you to pay a much higher amount than you were paying before.
- Insurance preserves not only your car but also your financial assets. It also can pay for all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If your Dodge gets damaged, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of insuring your car more than offset the price you pay, especially if you ever need it. According to a 2015 survey, the average American driver is wasting up to $869 every year so compare rates at least once a year to be sure current rates are still competitive.
Different people need different insurance coverages
When it comes to choosing adequate coverage, there really is not a one size fits all plan. You are unique and your policy should reflect that.
Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.
- Can my teen drive my company car?
- Do I need medical payments coverage since I have good health insurance?
- Do I benefit by insuring my home with the same company?
- Should I buy full coverage?
- Am I covered if I hit my neighbor’s mailbox?
- Should I get collision insurance on every vehicle?
- Am I covered by my spouse’s policy after a separation?
- When should I remove my kid from my policy?
- Does insurance cover damages from a DUI accident?
- Can my babysitter drive my car?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Compare rates but work with a local Tulsa insurance agent
Some people would prefer to talk to an insurance agent and that is a personal choice. Agents can point out coverage gaps and will help you if you have claims. The biggest benefit of comparing rates online is you can get the lowest rates and still choose a local agent. And supporting local agencies is important particularly in Tulsa.
After completing this short form, your insurance data is transmitted to insurance agents in Tulsa who will give competitive quotes for your business. It makes it easy because there is no need to leave your house as quotes are delivered to the email address you provide. If you want to compare prices from a specific company, don’t hesitate to visit that company’s website and give them your coverage information.
When finding a local insurance agency, you should know the different types of agents that you can choose from. Agents in Tulsa can be categorized as either independent (non-exclusive) or exclusive. Both types of agents can properly insure your vehicles, but it’s worth learning the difference in how they write coverage since it can affect buying decisions.
Independent Agents (or Brokers)
These type of agents are not required to write business for one company and that enables them to quote your coverage through lots of different companies and find the cheapest insurance rates. If they find a lower price, they can switch companies in-house and you don’t have to find a new agent. If you are trying to find cheaper rates, you definitely need to check rates from a few independent agents so that you can do a thorough price comparison. Most also write with companies that do not advertise much that can offer cheaper rates than bigger companies.
The following is a short list of independent agents in Tulsa that may be able to provide pricing information.
- Charles G. Harris Insurance
4724 S Union Ave – Tulsa, OK 74107 – (918) 446-4421 – View Map
- Sawyer-Phillips and Associates, Inc.
6666 S Sheridan Rd #220 – Tulsa, OK 74133 – (918) 794-4000 – View Map
- Bracken Insurance Agency
9717 E 42nd St, Suite 105 – Tulsa, OK 74146 – (918) 744-4440 – View Map
Agents that elect to be exclusive can only provide pricing for a single company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. These agents receive extensive training on what they offer which can be an advantage. Many people buy insurance from these agents primarily because of loyalty to the company instead of buying on price only.
The following are Tulsa exclusive insurance agencies who can help you get comparison quotes.
- Gail Boyce – State Farm Insurance Agent
6149 S Peoria Ave – Tulsa, OK 74136 – (918) 747-6866 – View Map
- Jonathan Gibson – State Farm Insurance Agent
205 E Pine St #102 – Tulsa, OK 74106 – (918) 382-5717 – View Map
- State Farm: Anita Ewing –
10021 S Yale Ave #102 – Tulsa, OK 74137 – (918) 298-2100 – View Map
Finding the right auto insurance agent shouldn’t rely on just a cheap price. Some important questions to ask are:
- Does the agent have professional designations like CIC, CPCU or AIC?
- What discounts might you be missing?
- Do they offer rental car reimbursement?
- Do they assist clients in filing claims?
- Does the quote include credit and driving reports?
- Does their agency support local causes in Tulsa?
- Do the companies they represent have a solid financial rating?
Car insurance coverages 101
Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages offered by car insurance companies.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as hospital visits, rehabilitation expenses, dental work and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Dakota.
Due to the fact that many Oklahoma drivers carry very low liability coverage limits (25/50/25), their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liability limits.
Coverage for liability
Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for things like repair bills for other people’s vehicles, bail bonds, legal defense fees, repair costs for stationary objects and medical services. How much liability should you purchase? That is your choice, but you should buy higher limits if possible. Oklahoma requires drivers to carry at least 25/50/25 but you should consider buying more liability than the minimum.
The chart below shows why buying the state minimum limits may not be high enough to cover claims.
Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as sustaining damage from a pot hole, colliding with a tree, backing into a parked car, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible on your Dakota to save money on collision insurance.
Comprehensive insurance 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 can pay for claims like theft, falling objects and damage from flooding. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.