The words “economical” and “auto insurance” probably shouldn’t be used in the same sentence, especially when trying to find the cheapest car insurance for police officers. In an attempt to save some money, let’s get started by showing you some of the things that influence insurance rates, and find some ways to lower the price of your next policy.
Comparing quotes for cheap insurance is hard enough, and finding out which company quotes the cheapest auto insurance rates for police officers will require even more shopping around. Every insurance company has a proprietary method for determining prices, so let’s take a look at the overall cheapest auto insurance companies in Tulsa, OK.
We do need to point out that Oklahoma auto insurance rates are impacted by many things that may substantially change the cost of coverage. Simply having another birthday, increasing liability limits, or getting a few speeding tickets can trigger changes in premium that can cause some rates to be more expensive than competitors.
Find Cheaper Auto Insurance for Law Enforcement
USAA may offer some of the cheapest car insurance rates in Tulsa at around $1,161 annually. This is $806 less than the average premium paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, GEICO, Safe Auto, and The Hartford would also make the list of some of the cheaper Tulsa, OK auto insurance companies.
As depicted above, if you are insured with Safe Auto and switched to Oklahoma Farmers Union, you might see an annual savings of approximately $197. Oklahoma drivers with The Hartford might save as much as $207 a year, and Farmers policyholders might reduce prices by as much as $214 a year.
To discover how much you can save, click here or feel free to get quotes from the companies below.
Be aware that those premiums are averaged across all drivers and vehicles in Oklahoma and do not factor in a specific vehicle garaging location for police officers. So the car insurance company that can offer you the lowest price may not even be in the list above. That is why you need to get car insurance quotes using your own driver data and vehicle information.
For law enforcement personnel, one of the more important considerations that are looked at to determine the cost of insurance is your address in Tulsa. More densely populated places tend to have higher auto insurance costs, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.
The illustration below lists the most expensive places in Oklahoma for police officers to buy car insurance in. Tulsa shows up at #1 with a yearly cost of $2,282 for the average insured, which is approximately $190 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Tulsa | $2,282 |
| 2 | Broken Arrow | $2,216 |
| 3 | Midwest City | $2,205 |
| 4 | Del City | $2,177 |
| 5 | Bethany | $2,157 |
| 6 | Owasso | $2,148 |
| 7 | Bixby | $2,147 |
| 8 | Sand Springs | $2,139 |
| 9 | Oklahoma City | $2,134 |
| 10 | Sapulpa | $2,102 |
| 11 | Norman | $2,095 |
| 12 | Moore | $2,090 |
| 13 | Edmond | $2,063 |
| 14 | Yukon | $2,055 |
| 15 | Claremore | $2,008 |
| 16 | Bartlesville | $1,981 |
| 17 | Stillwater | $1,970 |
| 18 | Shawnee | $1,968 |
| 19 | Muskogee | $1,962 |
| 20 | Ardmore | $1,936 |
| Compare Prices Now Go | ||
Price information shown is approximated as vehicle location can decrease or increase coverage rates significantly.
The example below demonstrates how choosing different deductibles can change insurance costs when searching for cheap insurance for police officers. The rate quotes are based on a single male driver, comp and collision included, and no discounts are applied to the premium.
A 30-year-old driver could lower their car insurance rates by $414 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $626 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old category, can cut up to $1,208 or more by using a higher deductible. If you do make the decision to raise your deductibles, it is a good idea to have spare funds to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Picking the highest-rated insurer is hard considering how many companies there are in Tulsa. The ranking information listed below could help you decide which insurers to look at when trying to find cheaper insurance for police officers. These ratings are only made up of the largest companies in America, so companies with more of a regional focus will not be included in these rankings.
Top 10 Major Auto Insurance Companies in Tulsa Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- Safeco Insurance
- Nationwide
- AAA Insurance
- State Farm
- Progressive
- The Hartford
- The General
Top 10 Major Auto Insurance Companies in Tulsa Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Does full coverage make sense?
Finding cheaper auto insurance is probably important to most vehicle owners, and a great way to buy cheaper insurance for police officers is to only pay for liability coverage. The chart below visualizes the comparison of insurance rates with and without full coverage. The rates are based on no claims or violations, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
If we average all the age groups together, full coverage on your policy costs $1,878 per year more than buying just liability insurance. That brings up the question when is it a good idea to stop buying full coverage. There is no set rule to stop paying for physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
How to find low-cost insurance for police officers
The list below shows a few money-saving suggestions that can help Tulsa drivers locate lower-cost car insurance.
- Save money by staying claim-free
- Remain accident-free and save
- Save money by insuring your home and auto with the same company
- Buy a car with high safety ratings
- Do not get tickets
- Look for cheaper rates once a year by shopping around
The last tip in the list is especially critical, as was stressed in this article. Prices charged by car insurance companies can change considerably based on profitability, so drivers shouldn’t be reluctant to switch to a new company if a more affordable price is available. We understand brand loyalty, but it’s not recommended if that inflexibility results in costing you big bucks every year. Now is a great time to compare rates to find cheaper insurance for police officers in Tulsa.
If you aren’t sure which coverage you need and prefer to have a professional recommendation when comparing insurance rates for police officers, the agents below can help you decide which policy is best. To locate an agency in your neighborhood, click the button after the list or click here to compare price quotes now.
- Bob Breitenstein – State Farm Insurance Agent
7318 S Yale Ave – Tulsa, OK 74136 – (918) 492-7600 - Glass Insurance Agency, Inc
4500 S Garnett Rd #914 – Tulsa, OK 74146 – (918) 663-5314 - State Farm: Ron Lockney
2828 E 91st St – Tulsa, OK 74137 – (918) 298-5444