Unthinkable but true, the vast majority of consumers renewed their policy with the same company for over three years, and almost 40% of drivers have never taken the time to shop around. Most drivers in the United States could save about 46.5% every year by just comparing quotes, but they just assume it’s a time-consuming process to compare rates.
If your goal is the lowest price, then the best way to find cheaper prices for car insurance rates in Tulsa is to do a yearly price comparison from providers in Oklahoma.
First, try to learn about how your policy works and the modifications you can make to prevent rate increases. Many factors that result in higher prices such as traffic citations and poor credit can be amended by making minor driving habit or lifestyle changes.
Second, request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and State Farm, while independent agencies can give you price quotes from multiple sources. View insurance agents
Third, compare the new rate quotes to your existing policy to see if switching to a new carrier will save money. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide written notification to your current company of your decision to cancel your current coverage. Submit a completed policy application and payment to your new agent or company. As soon as coverage is bound, put the certificate verifying coverage in an accessible location in your vehicle.
A good piece of advice is to make sure you enter the same level of coverage on each quote and and to get prices from as many different insurance providers as possible. Doing this provides a fair price comparison and the best price quote selection.
If you have a policy now or just want a better rate, follow these tips to find better prices and still get good coverage. Quoting and buying the best coverage in Tulsa is actually quite simple. Comparison shoppers only need an understanding of the most efficient way to compare company rates instantly.
Best Mitsubishi Endeavor insurance prices in Oklahoma
The car insurance companies shown below are our best choices to provide quotes in Tulsa, OK. To locate the best cheap car insurance in Oklahoma, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Mitsubishi Endeavor insurance analysis
The price information displayed next outlines different insurance costs for Mitsubishi Endeavor models. Understanding more about how policy rates are calculated is important for drivers to make decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Endeavor LS 2WD||$384||$718||$606||$36||$182||$1,926||$161|
|Endeavor LS AWD||$384||$718||$606||$36||$182||$1,926||$161|
|Endeavor SE 2WD||$384||$718||$606||$36||$182||$1,926||$161|
|Endeavor SE AWD||$434||$718||$606||$36||$182||$1,976||$165|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in specific location information which can lower or raise price quotes greatly.
The diagram below highlights how deductible selection and can impact Mitsubishi Endeavor annual premium costs for different age groups. The premiums are based on a married female driver, full coverage, and no discounts are taken into consideration.
Rate comparison of full coverage and liability-only
The chart below shows the comparison of Mitsubishi Endeavor auto insurance costs with full coverage compared to only the Oklahoma minimum liability coverage. The price estimates are based on no accidents or driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
When to stop paying for full coverage
There is no clear-cut formula to eliminate full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your Mitsubishi Endeavor replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after you pay the deductible. If you are paying more than $600 a year to have full coverage, then you might want to think about dropping full coverage.
There are some cases where eliminating full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Cheaper rates by taking advantage of these seven discounts
Companies offering auto insurance don’t list the entire discount list very well, so we took the time to find a few of the more well known and the more hidden discounts you could be receiving when you buy Tulsa car insurance online.
- Senior Citizen Rates – Drivers that qualify as senior citizens may receive better car insurance rates.
- Full Payment Discount – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.
- Telematics Data – Policyholders that allow driving data collection to monitor driving patterns by installing a telematics device such as Progressive’s Snapshot may see discounts if they are good drivers.
- Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.
- Include Life Insurance and Save – Select insurance companies reward you with lower premium rates if you buy auto and life insurance together.
- Accident Forgiveness Coverage – Not really a discount, but a few companies such as Progressive, Allstate, and GEICO allow you one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
- Anti-theft System – Cars with anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Tulsa car insurance quote.
Don’t be shocked that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you aren’t that lucky. Any amount of discount will reduce the cost of your policy.
The diagram below visualizes the comparison of Mitsubishi Endeavor insurance premiums with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or violations, Oklahoma state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, marriage, safe-driver, and multi-car discounts applied.
Some companies that may include these benefits include:
- State Farm
- Liberty Mutual
- American Family
- Farmers Insurance
- Auto-Owners Insurance
Before buying, ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders in your state.
Insurance quotes from local Tulsa insurance agents
Certain consumers would rather buy from a licensed agent and that is recommended in a lot of cases Experienced insurance agents are very good at helping people manage risk and help in the event of a claim. An additional benefit of comparing insurance prices online is the fact that drivers can get the lowest rates and also buy local. Putting coverage with local agents is still important in Tulsa.
To help locate an agent, after submitting this quick form, your coverage information is emailed to agents in your area who will give you quotes for your insurance coverage. You won’t need to drive around because quoted prices will be sent to you. If you need to get a rate quote from a particular provider, feel free to visit that company’s website and give them your coverage information.
Do you need an independent or exclusive car insurance agent?
If you are wanting to purchase insurance from a good Tulsa insurance agent, you must know there are a couple types of agencies from which to choose. Agencies in Tulsa are classified as either exclusive or independent agents depending on their company appointments. Both types can properly insure your vehicles, but it’s important to know the difference in how they write coverage since it could factor into which type of agent you select.
Independent Agencies or Brokers
Agents that choose to be independent are not employed by any specific company and that enables them to quote your coverage with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to do anything. If you need lower rates, we highly recommend that you include price quotes from at a minimum one independent agency so that you can do a thorough price comparison. They also have the ability to place coverage with small regional insurance companies that may have much lower rates than larger companies.
The following are independent insurance agencies in Tulsa who may provide rate quotes.
- A-Affordable Insurance
1635 S Harvard Ave – Tulsa, OK 74112 – (918) 749-9500 – View Map
- Rooney Insurance Agency, Inc.
4700 S Garnett Rd #200 – Tulsa, OK 74146 – (918) 582-0565 – View Map
- Mclemore Insurance Inc
6965 S 69th E Ave – Tulsa, OK 74133 – (918) 743-9868 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive normally can only provide a single company’s rates like AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to provide other company’s prices so you need to shop around if the rates are high. Exclusive insurance agents are usually well trained on their products and sales techniques which helps overcome the inability to quote other rates. A lot of people choose to use an exclusive agent primarily because of the prominent brand name rather than low price.
Below is a short list of exclusive insurance agents in Tulsa who can help you get comparison quotes.
- State Farm: Stephen Garcille
8165 E 31st St – Tulsa, OK 74145 – (918) 627-8883 – View Map
- Jim Vanderveen – State Farm Insurance Agent
3015 E 15th St – Tulsa, OK 74104 – (918) 712-5979 – View Map
- Mark Fugett – State Farm Insurance Agent
4949 S Mingo Rd – Tulsa, OK 74146 – (918) 628-1900 – View Map
Finding the right insurance agency requires more thought than just the premium amount. Here are some questions you should ask.
- Do they feel the quoted coverages are adequate?
- Are they able to provide referrals?
- How long have they been in business?
- Can glass claims be handled at your home?
- Which company do they place the most coverage with?
- How would your car be valued if totaled?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they prorate repair cost based on vehicle mileage?
Ratings for Oklahoma auto insurance companies
Insuring your vehicle with the highest-rated car insurance company can be challenging considering how many companies sell insurance in Oklahoma. The company information in the next section could help you analyze which providers you want to consider when looking for cheaper rates.
Top 10 Tulsa Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Don’t assume everyone needs the same car insurance coverage
When selecting adequate coverage, there really is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply.
For example, these questions can help discover whether your personal situation will benefit from professional help.
- Will my rates increase for filing one claim?
- Should I pay a claim out-of-pocket?
- Do I need PIP (personal injury protection) coverage in Oklahoma?
- Am I covered if I have no license?
- What is the ISO rating for a Mitsubishi Endeavor?
- Am I insured when driving a different vehicle?
- Am I covered while delivering pizza?
- Does my personal policy cover me when driving out-of-state?
- Am I covered when pulling a rental trailer?
If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.
Information about specific coverages
Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on the average auto insurance policy.
Collision coverage – Collision coverage pays for damage to your Endeavor resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things such as backing into a parked car, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible on your Endeavor to save money on collision insurance.
Liability car insurance – This can cover damages or injuries you inflict on people or other property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.
Liability can pay for claims such as attorney fees, court costs, repair costs for stationary objects, medical expenses and bail bonds. How much coverage you buy is up to you, but consider buying as large an amount as possible. Oklahoma requires drivers to carry at least 25/50/25 but you should consider buying better liability coverage.
The chart below shows why buying low liability limits may not be adequate coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Mitsubishi Endeavor.
Since many Oklahoma drivers only carry the minimum required liability limits (25/50/25 in Oklahoma), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liability limits.
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like fire damage, theft, hitting a deer and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as rehabilitation expenses, pain medications, funeral costs, dental work and ambulance fees. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Auto insurance savings summarized
When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at the lowest possible cost, but do not skimp to save money.
Some insurance providers do not offer the ability to get a quote online and usually these smaller providers only sell coverage through independent insurance agents. Affordable Mitsubishi Endeavor insurance in Tulsa can be purchased both online in addition to many Tulsa insurance agents, and you should be comparing both to have the best selection.
Additional auto insurance information is available at the links below
- Neck Injury FAQ (iihs.org)
- Who Has the Cheapest Tulsa Car Insurance Rates for Postal Workers? (FAQ)
- Who Has Affordable Auto Insurance for a Jeep Wrangler in Tulsa? (FAQ)
- Side Impact Crash Tests (iihs.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Crash Avoidance Technologies FAQ (iihs.org)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)