Finding the cheapest insurance for a new or used Subaru WRX in Oklahoma can normally be difficult, but you can learn the following methods to make it easier.
There are more efficient ways to buy auto insurance and we’ll show you the absolute fastest way to price shop coverage on a Subaru and locate the best price possible from both online companies and Tulsa agents.
Smart shoppers know that auto insurance companies don’t want you to look at other companies. People who get price comparisons will most likely switch auto insurance companies because of the high probability of finding better rates. A recent survey found that drivers who regularly compared price quotes saved an average of $860 a year compared to those who didn’t regularly shop around.
If finding the most affordable insurance is your objective, then having a grasp of the best way to quote and compare coverages can make the process less intimidating.
Buying more affordable insurance policy in Tulsa is actually quite simple. If you have coverage now or want to find a cheaper company, take advantage of these tips to reduce the price you pay without reducing protection. Drivers just have to use the fastest way to find the lowest price online.
The providers in the list below have been selected to offer price quotes in Oklahoma. To find the best auto insurance in OK, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Cheap Subaru WRX insurance in Tulsa
Car insurance can cost a lot, but there are discounts available to help bring down the price. Some trigger automatically at quote time, but a few need to be asked about before they will apply.
- Pay Early and Save – By paying your policy upfront rather than paying monthly you can avoid the installment charge.
- Paper-free Discount – Many insurance companies will discount your bill up to fifty bucks get Tulsa auto insurance on the internet.
- Data Collection Discounts – Policyholders that allow companies to track driving manner by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they are good drivers.
- Professional Organizations – Participating in a professional or civic organization is a simple method to lower premiums when getting a Tulsa auto insurance quote.
- Claim Free – Insureds with no claims or accidents get the best insurance rates when compared with accident-prone drivers.
- Life Insurance Discount – Select companies reward you with a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
- 55 and Retired – Mature drivers may qualify for reduced rates.
As is typical with insurance, most credits do not apply to the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free insurance policy, companies wouldn’t make money that way.
Some companies that have most of these discounts include:
Before you buy a policy, ask every prospective company what discounts are available to you. Some discounts listed above might not be available to policyholders in Tulsa. To see a list of providers that have a full spectrum of discounts in Tulsa, follow this link.
Subaru WRX Insurance Cost Factors
A large part of saving on auto insurance is knowing the factors that play a part in calculating auto insurance rates. If you have a feel for what influences your rates, this enables you to make decisions that can earn you big savings.
When should you file auto insurance claims? – Car insurance companies in Oklahoma award lower rates to policyholders who do not file claims often. If you file claims often, you can look forward to much higher rates or policy non-renewal. Your insurance policy is designed for larger claims.
Get a ticket, pay higher premiums – How you drive influences premium rates substantially. Good drivers get better rates than their less careful counterparts. Just one speeding ticket or other violation can increase the cost of insurance by twenty percent. Drivers who have dangerous tickets like reckless driving or DUI may find they need to file a proof of financial responsibility form (SR-22) with their state in order to continue driving.
The type of car, truck or SUV makes a difference – The performance level of the vehicle you are trying to find cheaper insurance for makes a significant difference in determining your rates. The best insurance prices tend to be for low performance passenger models, but the cost you end up paying is determined by many additional factors.
Safer vehicles means cheaper insurance – Safer cars cost less to insure. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts and cheaper rates on your policy.
Liability protection – Liability coverage is the coverage that protects you when you are responsible for damages caused by your negligence. It provides for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
A policy lapse is a bad thing – Allowing your auto insurance policy to lapse can be a sure-fire way to bump up your auto insurance costs. Not only will rates go up, not being able to provide proof of insurance may result in a hefty fine and possibly a revoked license. You may then have to prove you have insurance by filing a SR-22 with the Oklahoma motor vehicle department.
Alarms and GPS tracking systems cut auto insurance rates – Choosing to buy a car with an alarm system can help lower your premiums. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
Subaru WRX claim probability – Companies analyze historical claim data when setting rates for each model. Vehicles that are shown to have high amounts or severity of claims will have higher rates for specific coverages. The table shown below demonstrates the loss history for Subaru WRX vehicles.
For each coverage category, the loss probability for all vehicles, regardless of make or model, equals 100. Values that are below 100 suggest a better than average loss history, while values that are above 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.
| Specific Subaru Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Subaru WRX 4WD | 141 | 82 | 158 | 94 | 81 | 84 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
What if I want to buy from local Tulsa car insurance agents?
Certain consumers would prefer to have an agent’s advice and doing that can be a smart decision Professional agents can point out coverage gaps and will help you if you have claims. The biggest benefit of getting online price quotes is that you can find better rates but also keep your business local. And providing support for local agencies is especially important in Tulsa.
To help locate an agent, after submitting this simple form, your information is emailed to participating agents in Tulsa who will give you quotes and help you find cheaper coverage. There is no reason to contact any insurance agencies due to the fact that quote results will go to you instantly. If you need to get a comparison quote from a specific insurance company, you just need to jump over to their website and submit a quote form there.
Selecting a company is decision based upon more than just a cheap price. The following questions are important to ask.
- Do they assist clients in filing claims?
- Is their price quote a firm figure or are their hidden costs?
- Is the agency involved in supporting local community causes?
- Which insurance company do they prefer to write with?
- How often do they review coverages?
How do I know if I need professional advice?
Always keep in mind that when comparing adequate coverage, there is no one size fits all plan. Each situation is unique and your auto insurance should unique, too.
For instance, these questions may help highlight if your situation would benefit from professional advice.
- How much liability do I need to cover my assets?
- Can I drive in Mexico and have coverage?
- Am I covered when pulling a rental trailer?
- What policy terms are available?
- Where can I find high-risk insurance?
- How can I get high-risk coverage after a DUI?
- Do all my vehicles need collision coverage?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Tulsa car insurance company ratings
Picking the right insurance company is difficult considering how many different companies there are to choose from in Oklahoma. The company rank data shown next could help you analyze which providers to look at purchasing from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Persistence is the key to cheap rates
When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. In many instances, drivers have reduced collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at the best price, not the least amount of coverage.
Budget-conscious Subaru WRX insurance can be purchased on the web and from local insurance agents, so get free Tulsa auto insurance quotes from both of them to have the best selection. Some insurance providers may not have internet price quotes and usually these smaller providers sell through local independent agencies.
How to find affordable Subaru WRX insurance in Tulsa
The most effective way to get discount Subaru WRX insurance is to start comparing prices regularly from insurers who sell insurance in Tulsa.
- Spend a few minutes and learn about the different coverages in a policy and the measures you can control to drop your rates. Many policy risk factors that drive up the price such as traffic citations, accidents, and a bad credit rating can be rectified by improving your driving habits or financial responsibility.
- Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while agents who are independent can provide prices from multiple sources.
- Compare the new quotes to your existing rates and determine if cheaper WRX coverage is available. If you can save some money and make a switch, make sure there is no coverage gap between policies.
- Provide proper notification to your current company to cancel your current policy and submit a signed application and payment to your new insurance company. Immediately upon receiving it, place your new proof of insurance certificate in an accessible location in your vehicle.
A tip to remember is to try to compare similar coverage information on every quote and and to get rates from as many companies as you can. Doing this guarantees an accurate price comparison and a complete rate analysis.
To read more, take a look at these articles:
- Child Safety Seats (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for 17 Year Olds in Tulsa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Immigrants in Tulsa? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Retired Military in Tulsa? (FAQ)
- What Insurance is Cheapest for State Employees in Tulsa? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)