If you want to find the absolute lowest rates, then the best way to get cheaper Subaru Outback insurance in Tulsa is to do an annual price comparison from companies that sell auto insurance in Oklahoma. Rate comparisons can be done by following these guidelines.
First, try to understand policy coverages and the changes you can make to prevent expensive coverage. Many risk factors that are responsible for high rates such as inattentive driving and a less-than-favorable credit score can be improved by making minor driving habit or lifestyle changes. Read the full article for more ideas to prevent high prices and find discounts that you may qualify for.
Second, compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while independent agencies can provide prices from multiple companies.
Third, compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide notification to your current company of your intent to cancel your current auto insurance policy. Submit the completed application along with a down payment to your new agent or company. As soon as you have the new policy, store the proof of insurance certificate along with the vehicle’s registration papers.
A good tip to remember is to compare the same amount of coverage on every quote request and and to analyze all possible companies. This enables a level playing field and the best price selection.
Sadly, most car insurance buyers kept their coverage with the same car insurance company for at least the last four years, and 38% of drivers have never compared rate quotes at all. Tulsa insurance shoppers can cut their rates by 35% a year just by getting comparison quotes, but they just feel it’s too hard to compare rates online.
When comparing car insurance rates, know that obtaining a wide range of quotes helps improve the odds of finding a lower rate. Some insurance companies are not set up to provide Tulsa Outback insurance quotes online, so it’s important to compare price quotes from them as well.
The following companies are ready to provide quotes in Tulsa, OK. To buy the cheapest auto insurance in Tulsa, OK, we recommend you visit as many as you can to find the most competitive car insurance rates.
Affordable Subaru Outback insurance quotes in Tulsa
Insurance can cost an arm and a leg, but there may be some discounts that you may not even know about. A few discounts will automatically apply at quote time, but a few need to be asked about before being credited.
- Driver’s Education for Students – Have your child successfully complete driver’s ed class if it’s offered in school.
- Home Ownership Discount – Owning a home in Tulsa can save a few bucks because owning a home is proof that your finances are in order.
- Early Payment Discounts – By paying your policy upfront as opposed to paying monthly you can actually save on your bill.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and earn discounts up to 10% off your Tulsa car insurance quote.
- Defensive Driving Course – Passing a course in safe driver could earn you a small percentage discount depending on where you live.
- Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving can save 10% or more off PIP or medical payments premium.
Keep in mind that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, that’s just not realistic. But any discount will help lower your overall bill.
The diagram below illustrates the comparison of Subaru Outback car insurance rates with and without discounts applied to the policy rates. The premium estimates are based on 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 safe-driver, multi-car, multi-policy, marriage, homeowner, and claim-free discounts applied.
A partial list of companies who might offer most of these discounts possibly include:
If you want inexpensive Tulsa car insurance quotes, ask each company which discounts can lower your rates. Some credits might not apply everywhere. If you would like to choose from a list of companies that offer some of these discounts in Tulsa, follow this link.
Detailed insurance information
The premium table shown next covers estimates of rate quotes for Subaru Outback models. Learning more about how insurance policy premiums are determined can help customers make informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$374||$684||$506||$30||$152||$1,746||$146|
|Outback 2.5I Limited||$374||$684||$506||$30||$152||$1,746||$146|
|Outback 3.6R Premium||$374||$684||$506||$30||$152||$1,746||$146|
|Outback 3.6R Limited||$418||$804||$506||$30||$152||$1,910||$159|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can influence premium rates greatly.
The illustration below highlights how deductible choice and can impact Subaru Outback insurance costs for each different age category. Data assumes a married male driver, full physical damage coverage, and no additional discounts are factored in.
Should you buy full coverage?
The example below shows the difference between Subaru Outback premium costs with full physical damage coverage compared to only buying liability only. Data assumes no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.
When to buy liability coverage only
There isn’t a steadfast formula for dropping full coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s pretend your Subaru Outback book value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying the physical damage deductible. If it’s costing you more than $400 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.
Buying insurance from Tulsa auto insurance agents
A small number of people would prefer to buy from a local agent and that is OK! One of the benefits of comparing rate quotes online is that you can find the best rates and still have an agent to talk to. And supporting local insurance agents is especially important in Tulsa.
To help locate an agent, after submitting this short form, the quote information is sent to local insurance agents who will give you quotes for your insurance coverage. There is no reason to even leave your home because quoted prices will be sent instantly to you. It’s the lowest rates without a big time investment. If you need to quote rates from a particular provider, you can always navigate to their website and complete a quote there.
Different types of auto insurance agents in Tulsa
When looking for a local Tulsa insurance agency, you need to know there are two different types of agencies and how they are distinctly different. Insurance agencies are classified as either exclusive or independent (non-exclusive).
Independent Insurance Agencies
Independent insurance agents are not employed by any specific company and that is an advantage because they can write policies with a variety of different insurance companies and find you cheaper rates. If they find a lower price, they simply move your policy to a different company which requires no work on your part.
When comparing insurance prices, you will definitely want to include price quotes from a couple of independent agencies so that you can do a thorough price comparison. Most can insure with companies that do not advertise much that may have much lower rates than larger companies.
Featured below are independent insurance agents in Tulsa who can help you get rate quotes.
- Admiral Insurance Agency
6710 E Admiral Pl – Tulsa, OK 74115 – (918) 836-5551 – View Map
- A-1 Insurance
4100 E 51st St #105 – Tulsa, OK 74135 – (918) 743-2886 – View Map
- All American Insurance Agency
6145 E 21st St – Tulsa, OK 74114 – (918) 832-8823 – View Map
Exclusive Insurance Agencies
Exclusive agencies can only provide pricing for a single company like State Farm, Allstate, and Farm Bureau. They usually cannot compare rates from other companies so they really need to provide good service. Exclusive agencies are usually well trained on their company’s products which helps them sell on service rather than price. Consumers often buy insurance from these agents mostly because of 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 rate quotes.
- Ed Martinez Jr – State Farm Insurance Agent
3125 S Yale Ave a – Tulsa, OK 74135 – (918) 742-3131 – View Map
- State Farm: Ron Lockney
2828 E 91st St – Tulsa, OK 74137 – (918) 298-5444 – View Map
- Allstate Insurance: Ron Henderson
8733 S Lewis Ave – Tulsa, OK 74137 – (918) 291-7400 – View Map
Picking an car insurance agent needs to be determined by more than just a cheap quote. Any good agent in Tulsa should know the answers to these questions.
- Does their agency support local causes in Tulsa?
- Does the agency have a positive business rating?
- How does the company pay claims for a total loss?
- Does the agent help file claims?
- If they are an independent agency in Tulsa, which companies do they recommend?
- What kind of financial rating does the company have?
- Is every driver in your family covered?
Car insurance can get complicated
When it comes to buying your policy for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that.
For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.
- Do I need special endorsements for business use of my vehicle?
- How much liability coverage do I need in Oklahoma?
- Do they offer discounts for home and auto coverage?
- Do I need medical payments coverage since I have good health insurance?
- What is glass protection for?
- Is other people’s property covered if stolen from my vehicle?
- Can I make deliveries for my home business?
- Who is covered when they drive my Subaru Outback?
- Should I buy more coverage than the required Oklahoma minimum liability coverage?
If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.
What Impacts Subaru Outback Insurance Costs?
An important part of buying insurance is that you know a few of the rating criteria that help determine the price you pay for auto insurance. If you understand what controls the rates you pay, this helps enable you to make changes that can help you get cheaper rates. Lots of factors are used when you get a price on insurance. Most are fairly basic like a motor vehicle report, but other factors are not quite as obvious such as your marital status and annual miles driven.
- Defend yourself with liability insurance – Your auto insurance policy’s liability coverage kicks in in the event that you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense to attempt to prove you were not liable. Liability is cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
- Your car’s features help determine prices – Purchasing a vehicle with advanced anti-theft systems can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft and help bring rates down.
- Where you call home – Being located in a small town may provide you with better prices when buying auto insurance. Drivers who live in large cities regularly have more auto accidents and much longer commute distances. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
- Always keep your auto insurance policy in place – Having a lapse in insurance coverage is a quick way to trigger a rate increase. In addition to paying higher rates, being ticketed for driving with no insurance may earn you a revoked license or a big fine. You will then be forced to submit proof of financial responsibility or a SR-22 with the Oklahoma department of motor vehicles.
Expect high rates for teens – Inexperience drivers have a tendency to be careless and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates. Parents adding a beginning driver onto your auto insurance will cause a huge premium hike. Older insureds have been proven to be more responsible, cause fewer claims and accidents, and usually have better credit.
The following data uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Drive a safer car and pay less – Safer cars tend to be cheaper to insure. Highly rated vehicles result in less severe injuries and lower rates of occupant injuries means less money paid by your insurance company and cheaper rates on your policy.
Insurance loss statistics a Subaru Outback – Insurers include the past claim trends for vehicles to determine a rate that will be profitable for them. Models that statistically have higher frequency or amount of claims will cost more for specific coverages.
The next table illustrates the historical insurance loss data for Subaru Outback vehicles. For each type of coverage, the claim amount for all vehicles, as an average, is equal to 100. Values under 100 imply a favorable loss record, while percentage values above 100 point to more claims or an increased likelihood of larger losses.
Subaru Outback Insurance Loss Statistics Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Subaru Outback 4WD 58 68 106 63 64 68 Subaru Outback with Eyesight 4WD 57 46 106 61 58 40BETTERAVERAGEWORSE
Statistics from IIHS.org for 2013-2015 Model Years
Protect more than your Subaru Outback
Despite the fact that auto insurance is not cheap in Tulsa, auto insurance may be required and benefits you in several ways.
First, just about all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability coverage in order to drive the car. 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 bought your Outback with a loan, more than likely the lender will require that you buy full coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may buy a policy for your Subaru for a lot more money and require you to pay for it.
Third, insurance safeguards both your Subaru and your personal assets. It will also reimburse you for all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your Subaru gets damaged, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying enough insurance definitely exceed the cost, especially with large liability claims. As of last year, the average driver in Oklahoma is overpaying more than $700 annually so it’s important to compare rates once a year at a minimum to help ensure money is not being wasted.
Don’t give up on affordable rates
As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice collision coverage and learned later that they should have had better coverage. Your goal should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.
In this article, we presented a lot of ways to compare Subaru Outback insurance prices in Tulsa. It’s most important to understand that the more you quote Tulsa car insurance, the higher the chance of saving money. Consumers could even find that the best prices are with a small mutual company. Regional companies often have lower rates on specific markets than their larger competitors like Progressive or GEICO.
To read more, feel free to browse these articles:
- Safe Vehicles for Teens (iihs.org)
- Who Has Affordable Auto Insurance Rates for 17 Year Olds in Tulsa? (FAQ)
- What Car Insurance is Cheapest for High School Students in Tulsa? (FAQ)
- What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Tulsa? (FAQ)
- Who Has the Cheapest Tulsa Auto Insurance Rates for a Ford Focus? (FAQ)
- Who Has Affordable Tulsa Car Insurance Quotes for Good Students? (FAQ)
- Who Has Affordable Car Insurance Rates for Low Credit Scores in Tulsa? (FAQ)
- How Much is Car Insurance for Uninsured Drivers in Tulsa? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- State Laws for Cellphones and Texting (iihs.org)
- Drunk Driving Statistics (Insurance Information Institute)
- Auto Insurance Facts and Statistics (Insurance Information Institute)