Cheap Insurance for a Toyota 4Runner in Tulsa

Insurance for Toyota 4RunnerAre you tired of trying to find cheaper Toyota 4Runner insurance in Tulsa? Did budget coverage turn out to be an expensive car insurance policy? Believe me when I say many Tulsa consumers are in the same pinch.

Regrettably, a large majority of drivers kept their policy with the same company for well over three years, and almost 40% of drivers have never even shopped around for lower-cost coverage. Many consumers in Tulsa can save hundreds of dollars each year just by getting comparison quotes, but they just assume it takes a lot of time to compare other rate quotes.

Many insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company and get the best coverage at the lowest cost out there.

It’s a great practice to compare premium rates before your next renewal due to the fact that insurance prices are constantly changing. Just because you found the best price on Toyota 4Runner insurance in Tulsa six months ago you will most likely find a better rate today. There are lots of tips to save on 4Runner insurance out there, but in a few minutes you can learn some excellent ideas to find cheap car insurance in Tulsa.

Analysis of coverages

The table below outlines different insurance coverage prices for Toyota 4Runner models. Learning a little about how insurance prices are figured can help guide drivers when making smart choices when selecting a coverage provider.


Toyota 4Runner Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $484 $704 $514 $30 $154 $1,886 $157
4Runner SR/5 2WD $484 $858 $514 $30 $154 $2,040 $170
4Runner Sport 4WD $484 $858 $514 $30 $154 $2,040 $170
4Runner SR/5 4WD $484 $858 $514 $30 $154 $2,040 $170
4Runner Trail Edition 4WD $538 $1010 $514 $30 $154 $2,246 $187
4Runner Limited 2WD $538 $1010 $514 $30 $154 $2,246 $187
4Runner Limited 4WD $538 $1010 $514 $30 $154 $2,246 $187
Get Your Own Custom Quote Go

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific Tulsa garaging location which can raise or lower auto insurance rates substantially.

Insurance deductibles

The hardest decision when buying coverage is where to set your physical damage deductibles. The comparisons below can help you understand the cost difference when you buy lower versus higher insurance deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.


Toyota 4Runner insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $392 $480 $382 $22 $114 $1,415 $118
4Runner SR/5 2WD $392 $584 $382 $22 $114 $1,519 $127
4Runner Sport 4WD $392 $584 $382 $22 $114 $1,519 $127
4Runner SR/5 4WD $392 $584 $382 $22 $114 $1,519 $127
4Runner Trail Edition 4WD $436 $688 $382 $22 $114 $1,667 $139
4Runner Limited 2WD $436 $688 $382 $22 $114 $1,667 $139
4Runner Limited 4WD $436 $688 $382 $22 $114 $1,667 $139
Get Your Own Custom Quote Go

Toyota 4Runner insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $318 $388 $382 $22 $114 $1,224 $102
4Runner SR/5 2WD $318 $472 $382 $22 $114 $1,308 $109
4Runner Sport 4WD $318 $472 $382 $22 $114 $1,308 $109
4Runner SR/5 4WD $318 $472 $382 $22 $114 $1,308 $109
4Runner Trail Edition 4WD $354 $554 $382 $22 $114 $1,426 $119
4Runner Limited 2WD $354 $554 $382 $22 $114 $1,426 $119
4Runner Limited 4WD $354 $554 $382 $22 $114 $1,426 $119
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Table data does not factor in specific location information which can modify coverage prices greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $19 more each month or $228 annually than buying the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 13 months between claim filings, you would save money going with the higher deductible.

The chart below shows how choosing a deductible and can affect Toyota 4Runner insurance rates for each different age group. The premiums are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Impact of age and gender on insurance rates

The illustration below visualizes the comparison of Toyota 4Runner insurance premiums for male and female drivers. The price estimates are based on no claims or violations, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied.

Comparison of full coverage and liability-only policies

The chart below shows the comparison of Toyota 4Runner insurance premiums with full coverage compared to only the Oklahoma minimum liability coverage. Data assumes a clean driving record, no claims, $100 deductibles, drivers are single, and no additional discounts are factored in.

Should you be buying full coverage?

There is no exact rule of when to eliminate physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s assume your Toyota 4Runner replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying your deductible. If premium cost is more than $200 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some situations where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

Toyota 4Runner Insurance Cost Factors

Multiple criteria are considered when premium rates are determined. Some are obvious such as traffic violations, but others are not as apparent like your continuous coverage or your commute time.

Ratings for Tulsa auto insurance companies

Selecting a high-quality insurance provider can be a challenge considering how many companies are available to choose from in Tulsa. The rank data below can help you choose which providers you want to consider purchasing coverage from.

Top 10 Tulsa Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Top 10 Tulsa Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Persistence is the key to cheaper rates

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your objective should be to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

Budget-friendly insurance in Tulsa is available online and from local insurance agents, so you need to shop Tulsa auto insurance with both so you have a total pricing picture. There are still a few companies who may not offer the ability to get quotes online and most of the time these smaller providers prefer to sell through independent agents.

Steps to buying affordable Toyota 4Runner insurance in Tulsa

The best way to find discount car insurance rates in Tulsa is to make a habit of regularly comparing prices from insurers in Oklahoma. Prices can be compared by following these guidelines.

First, try to learn about how insurance companies determine prices and the measures you can control to prevent expensive coverage. Many factors that cause rate increases like speeding and a not-so-good credit history can be remedied by making minor changes to your lifestyle.

Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO and Allstate, while independent agencies can provide prices from many different companies.

Third, compare the new quotes to the premium of your current policy and see if you can save money. If you can save money and switch companies, verify that coverage does not lapse between policies.

Fourth, provide notification to your current company to cancel your current policy. Submit the signed application along with the required initial payment to the new company. Make sure you place the new proof of insurance paperwork with the vehicle registration.

A good tip to remember is that you use the same liability limits and deductibles on every price quote and and to compare as many auto insurance providers as possible. This guarantees the most accurate price comparison and many rates to choose from.

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