UPDATED: Mar 13, 2020
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Cheap Car Insurance in Tulsa, OK
Are you looking for cheap auto insurance in Tulsa, OK? With AutoInsuranceEZ.com, you will discover the cheapest insurance policy in your city. To acquire free car insurance quotes available from the leading providers right now, input your local zipcode within the quote box here.
Tulsa holds the second highest number of residents in the state of Oklahoma and many positive attributes which have attracted its expanding population. Its fortunate location makes it an essential city for shipping, and the state as a whole enjoys a thriving natural gas industry. Additionally, there are plenty of opportunities for recreation and education.
- Fun fact: Someone must be doing well, because Tulsa is #20 (74103) on the list of “Top 101 zip codes with the highest 2004 average Adjusted Gross Income (AGI) for individuals (pop 1,000+)”. Discover more about Tulsa here.
Auto Insurance Coverage Requirements in Oklahoma
Driving legally in Tulsa requires:
|Bodily Injury Liability||25,000/50,000||25,000/50,000|
|Property Damage Liability||25,000||25,000|
|Uninsured Motorist Bodily Injury||Not required||25,000/50,000|
|Medical Payments||Not required||2,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||500 deductible|
However, keep in mind that liability insurance is extremely limited in what claims it will pay out. For theft, vandalism, or an accident that is the other driver’s fault, your insurance will not cover you.
The state average in Oklahoma can range around $131 per month, but rates in Tulsa can be as low as $59/mo* for many drivers. Depending on your personal circumstances, you can get great coverage for a low monthly rate, too. Learn more about Oklahoma Car Insurance specifics at that link.
Oklahoma Farmers Union and State Farm are competing to offer the lowest rates in Atlanta right now. But you have to pause and ask yourself what else they have to offer besides a low monthly premium. You’ll want a company with good customer service, and a claims service second to none. All in all, your monthly premium is only part of what you’re shopping for.
Auto insurance providers consider various variables when determining insurance prices, including gender, where you live, type of vehicle owned, miles driven each year, and theft protection devices. Additionally, premiums will vary from provider to provider. To verify you are still being charged the lowest-cost price, assess cheap Tulsa auto insurance premiums on the internet.
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Major Car Insurance Factors in Tulsa
When your car insurance company gets ready to come up with your insurance policy, they take numerous parameters into mind. Some of these, for instance your age or your specific region, usually are very unlikely to alter. Some additional components are:
Your Zip Code
For most people, the most affordable car insurance is generally associated with urban centers having a lower population density. Since there are a lesser number of vehicles on the highway, there are a lesser number of possibilities to get involved in a serious crash with another motorist. The populace of Tulsa is in fact 398,121 and also the general family income is $41,495.
Anywhere with high accident statistics is going to cost more to insure your car. Unfortunately, Tulsa has some pretty high fatal accident statistics, as you can see from the chart below. You might want to talk to your insurer and see if they offer any safe driver discounts to counteract this.
Auto Thefts in Tulsa
Sometimes in modest cities or outlying towns, automobile theft can nevertheless be a problem. To help make it a smaller problem for you personally, think about putting in a passive anti-theft system within your current car. Your current car insurance provider might reward you with cheaper rates! In Tulsa, there were 2,389 auto thefts in 2013. That’s a pretty staggering number. If you want to make sure you’re covered in case of theft, then you’ll need Comprehensive coverage.
Your Credit Score
There are many things which are determined by your credit score – and, for better or for worse, car insurance is one of them. The better your score, the lower your monthly rate will be. Unfortunately, motorists with poor credit are charged significantly higher rates, and the chart below shows.
Young drivers face a particularly harrowing burden when paying for their first auto insurance policy. Because of their inexperience, they are significantly more likely to get into a serious accident. That’s why some companies charge them 2x-3x higher premiums than someone twice their age.
Your Driving Record
Having several violations on your record, or having serious violations such as Drunk Driving, will significantly raise your monthly rate. It may make you ineligible to get covered at all depending on the company. But if you only have one or two minor citations in the last few years, look into your provider’s “Accident Forgiveness” policy. Your provider will basically ignore a minor violation when calculating your premiums if you qualify.
The thing most people don’t realize about insuring luxury cars is that it isn’t the vehicle itself that costs more to insure – it’s the numerous types of coverage (and in higher amounts) which you must purchase in order to protect your investment that raise the price tag, as you can see in the chart.
Minor Car Insurance Factors in Tulsa
These following factors might influence your monthly rate in ways you hadn’t considered:
Your Marital Status
Did you know that married couples can significantly lower their premiums by bundling their policies with the same company? Of course, you have to make sure you’re insured by the same provider first. And if that insurance company also does homeowner’s or renter’s insurance, you can save even more.
Are you afraid you’ll be forced to pay higher rates because you’re female, or because you’re male? Odds are that you won’t have to worry that much. Many providers these days don’t charge different rates based on gender at all. And those who do might only charge 1-2%.
Your Driving Distance to Work
Driving around Tulsa might take a little longer than you’d expect, with average commute times ranging between 14-19 minutes. Nearly 79% of motorists will drive their own vehicle to get to work, while around 6-11% prefer to carpool.
Some insurers want to make a big deal out of how many miles you drive yearly, or why you’re driving (work/school vs. recreation). But in truth, unless you’re driving a business vehicle (which can see rate hikes as high as 10%) or more, your reason or distance won’t drastically alter your rate.
Your Coverage and Deductibles
Most auto insurance providers offer some flexibility when it comes to your policy. For example, you can reduce your monthly payments and increase your coverage by asking to raise your deductible. Yes, it may make repairs or replacements more expensive, but you can save up the extra money with lower payments.
Education in Tulsa, OK
Just over one-quarter of Tulsa residents have successfully completed their high school education, while an additional 19% have gone on to complete a bachelor’s degree. If you’ve gone on to pursue a higher education for yourself, you should know that many providers offer lower rates for motorists with degrees! Contact your insurance provider to learn what discounts you are eligible for.
Tulsa boasts nearly a dozen public and private universities for locals to earn a college degree. The state’s two major public schools, Oklahoma State University and the University of Oklahoma, both have campuses located in Tulsa, in addition to the Oklahoma City University at Tulsa. For a private option, you can look into the University of Tulsa or Oral Roberts University (which is affiliated with the Christian Church).
Locating inexpensive automobile insurance could end up being a hassle. There’s lots of important information to consider, and determining exactly how insurance providers assess your probable risk can be complex. But try not to permit the wrong insurance provider talk you into purchasing the wrong policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Start comparing rates right away. It only takes a couple of minutes, and you will save a ton of money!