Compare Kia Sedona Insurance Rates in Tulsa

Truthfully, the best way to get budget Kia Sedona insurance in Tulsa is to compare prices once a year from insurers that insure vehicles in Oklahoma.

1. It will benefit you to learn about how companies set rates and the steps you can take to prevent expensive coverage. Many rating factors that result in higher prices like traffic citations and an imperfect credit rating can be amended by being financially responsible and driving safely. Continue reading for instructions to lower rates and find overlooked discounts.
2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of insurance providers.
3. Compare the new quotes to your current policy to see if switching to a new carrier will save money. If you can save some money and switch companies, make sure coverage does not lapse between policies.
4. Notify your current company of your intention to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application for the new policy. As soon as coverage is bound, put the certificate of insurance in an accessible location in your vehicle.

The critical component of shopping around is to use the same physical damage deductibles and liability limits on each price quote and and to get quotes from as many different companies as possible. Doing this provides a fair rate comparison and a complete selection of prices.

Inconceivable but true, a large majority of insurance policyholders have stayed with the same insurance company for at least the last four years, and 38% of customers have never shopped around. The average driver in Tulsa could save an average of nearly $551 each year by just comparing rate quotes, but they assume it’s a waste of time to find lower-cost insurance rates.

The auto insurance companies shown below offer free quotes in Tulsa, OK. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get a more complete price comparison.

Get cheaper Kia Sedona insurance rates in Tulsa

Auto insurance is easily one of your largest bills, but you might already qualify for some discounts that can dramatically reduce your bill. Most are applied when you purchase, but less common discounts must be specifically requested before they will apply.

• Low Miles Discount – Low mileage vehicles could qualify for better prices on cars that stay parked.
• E-sign Discounts – A handful of auto insurance companies will give you a small discount for signing up on their website.
• New Car Discount – Buying a new car model is cheaper because new model year vehicles are generally safer.
• Senior Citizen Rates – If you qualify as a senior citizen, you are able to get a discount up to 10%.
• Discounts for Multiple Vehicles – Buying coverage for multiple cars or trucks with one company could earn a price break for each car.
• Accident Waiver – This one is not really a discount per se, but certain companies will turn a blind eye to one accident before raising your premiums if you have no claims for a specific time period.
• Discounts for Good Drivers – Drivers who don’t get into accidents could pay up to 40% less than drivers with accidents.
• Full Payment Discount – By making one initial payment rather than paying monthly you could save 5% or more.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

The diagram below illustrates the comparison of Kia Sedona insurance prices with and without discounts applied to the premium. The rates are based on a female driver, no violations or accidents, Oklahoma state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, safe-driver, and multi-policy discounts applied.

Some companies that possibly offer many of the previously listed discounts include:

• American Family
• State Farm
• 21st Century
• Travelers
• GEICO

Double check with all companies you are considering the best way to save money. Some discounts may not be available in your area. To see insurers offering auto insurance discounts in Tulsa, click here.

Analysis of coverages

The rate information shown below covers estimates of rate quotes for Kia Sedona models. Understanding how policy rates are determined can help customers make smart choices when buying a car insurance policy.

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in Tulsa location which can affect insurance rates noticeably.

Should you raise deductibles?

When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The premium rates below can help you understand the premium difference between high and low coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in vehicle garaging location which can decrease or increase rates considerably.

We can derive from the above data that using a $100 deductible will cost in the ballpark of $43 more each month or $516 a year across all Kia Sedona models than requesting the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 21 months between claims, you would come out ahead if you choose the higher deductible. Below is an example of how this decision is made.

One thing to note is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you file a claim. It will be required that you have some savings in order to pay the higher deductible.

Rate comparison of male drivers versus female drivers

The illustration below shows the difference between Kia Sedona insurance rates for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in.

Cost of full coverage in Tulsa

The chart below visualizes the comparison of Kia Sedona insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims or violations, $1,000 deductibles, marital status is single, and no discounts are factored in.

When to drop comprehensive and collision

There is no definitive rule to drop physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s say your Kia Sedona replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after the deductible is paid. If you are paying over $600 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are a few situations where only buying liability is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not remove full coverage.

When to contact an insurance agent

A lot of people would prefer to have an agent’s advice. Professional insurance agents can help you choose the best coverages and help file insurance claims. An additional benefit of comparing rates online is that you can find the best rates and still have a local agent. And supporting small agencies is still important in Tulsa.

For easy comparison, once you complete this short form, your information is emailed to participating agents in Tulsa that can provide free Tulsa auto insurance quotes and help you find cheaper coverage. There is no need to contact an agency since price quotes are sent directly to your email. In the event you want to get a comparison quote for a specific company, you can always search and find their rate quote page and submit a quote form there.

Types of auto insurance agents

If you are wanting to purchase auto insurance from a local Tulsa insurance agent, you should know the types of insurance agents that you can select. Insurance agencies in Tulsa are either exclusive agents or independent agents. Either one can handle auto insurance, but we need to point out the subtle differences since it can affect buying decisions.

Independent Auto Insurance Agencies

Agents of this type are normally appointed by many insurers and that enables them to quote your coverage with multiple insurance companies and get the cheapest rates. If they find a lower price, your agent can switch companies which makes it simple for you. When shopping rates, we highly recommend that you contact at a minimum one independent agency to get the most accurate price comparison. Most independent agents also contract with smaller regional carriers which could offer lower prices.

Listed below is a short list of independent agencies in Tulsa who may provide pricing information.

• GDK Insurance Agency, Inc.
  3908 E 31st St – Tulsa, OK 74135 – (918) 742-5861 – View Map
• Admiral Insurance Agency
  6710 E Admiral Pl – Tulsa, OK 74115 – (918) 836-5551 – View Map
• Access Insurance
  6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220 – View Map

More Tulsa agents

Exclusive Agencies

Exclusive agencies work for only one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are highly trained on their company’s products and that enables them to sell even at higher rates. Consumers often buy from the same agent for years partially due to the prominence of the brand rather than having the cheapest rates.

Below is a list of exclusive agents in Tulsa who can help you get price quote information.

• Randall Young – State Farm Insurance Agent
  5840 S Memorial Dr #207 – Tulsa, OK 74145 – (918) 664-8750 – View Map
• George Hazlett – State Farm Insurance Agent
  6043 S Sheridan Rd – Tulsa, OK 74145 – (918) 496-0513 – View Map
• Ken Shoemaker – State Farm Insurance Agent
  10115 S Sheridan Rd d – Tulsa, OK 74133 – (918) 299-9995 – View Map

More Tulsa agents

Finding the right insurance agency needs to be determined by more than just a cheap price quote. Below are some questions you should ask.

• Do they offer accident forgiveness?
• Which members of your family are coverage by the policy?
• Which insurance company do they prefer to write with?
• Can they give you a list of client referrals?
• Is working in the agency their full-time job?

Do I just need basic coverages?

When selecting insurance from an agent or online for your vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions might point out if your insurance needs may require specific advice.

• Do I need to call my car insurance company before buying a new car?
• Am I covered while delivering pizza?
• Who sells insurance for high-risk drivers?
• Is my teen driver covered when they drive my company car?
• Is my state a no-fault state?
• When can my company non-renew my policy?
• Do I have coverage when pulling a U-Haul trailer?
• Should I rate my vehicle as business use?
• Are my friends covered when driving my car?
• Am I covered if I break a side mirror?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Six factors that affect insurance prices

Lots of things are part of the equation when you get a price on insurance. Some are pretty understandable like an MVR report, but some are more transparent like where you live or your vehicle rating.

• Optional features can affect prices – Driving a car with a theft deterrent system can help bring down rates. Systems that thwart thieves such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your car from being stolen.
• Good credit scores equal low prices – Having a bad credit rating factor in your rate calculation. If your credit rating is lower than you’d like, you could be paying less to insure your Kia Sedona by improving your rating. Insureds with high credit ratings tend to be better risks to insure than those with lower credit scores.
• Insurance rates for married couples – Having a spouse may cut your premiums on insurance. Having a spouse usually means you are more stable financially and it’s statistically proven that married drivers tend to file fewer claims.
• Lower coverage deductibles cost more – The deductibles you choose are how much the insured will be required to pay if you file a covered claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of covered claims would be rear-ending another vehicle, fire damage, or theft of your vehicle. The higher the amount you choose to pay out-of-pocket, the less money you will pay for insurance.
• Big cities mean more claims – Residing in smaller towns and rural areas of the country is a good thing when buying insurance. Lower population translates into fewer accidents in addition to lower liability claims. Drivers in populated Oklahoma areas regularly have more traffic problems and longer commute times. Higher commute times means more chance of being in an accident.

• Responsible drivers pay less – Drivers who don’t get tickets have lower premiums than bad drivers. Only having one driving citation may increase your cost by twenty percent. Drivers who have dangerous citations such as DUI or reckless driving may need to submit a SR-22 form with their state in order to continue driving.

  The example below demonstrates how speeding tickets and at-fault collisions can drive up Kia Sedona insurance prices for different categories of driver ages. The data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

• Kia Sedona claim probability – Companies analyze the history of losses as a way to help calculate a profitable premium rate. Models that statistically have higher claim amounts or frequency will have increased rates. The data below shows the insurance loss data used by companies for Kia Sedona vehicles.

  For each policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is set at 100. Values that are 100 or less indicate a favorable loss history, while percentages above 100 point to more claims or an increased likelihood of larger losses.

  
  

  Insurance Loss Ratings for Kia Sedona Vehicles

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Kia Sedona	102	64	96	116

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

It may be expensive, but it’s not optional

Despite the high cost, insurance is required in Oklahoma but also provides important benefits.

• Just about all states have minimum liability requirements which means you are required to carry a specific minimum amount of liability insurance if you want to drive legally. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your vehicle has a lienholder, more than likely the lender will stipulate that you buy full coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender will be forced to insure your Kia for a lot more money and require you to pay much more than you were paying before.
• Auto insurance preserves both your assets and your car. Insurance will pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying auto insurance are definitely more than the cost, especially for larger claims. An average driver in America is currently overpaying as much as $869 every year so it’s very important to do a rate comparison once a year at a minimum to be sure current rates are still competitive.

Cheap auto insurance rates are out there

The cheapest Kia Sedona insurance in Tulsa is possible online and from local agencies, so you need to shop Tulsa auto insurance with both to have the best rate selection. Some auto insurance companies may not have price quotes online and most of the time these regional carriers work with local independent agencies.

Insureds change insurance companies for many reasons like not issuing a premium refund, high prices, unfair underwriting practices or lack of trust in their agent. Regardless of your reason for switching companies, switching auto insurance companies can be less work than you think.

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed physical damage coverage only to find out that it was a big mistake. The aim is to buy enough coverage at the best price, not the least amount of coverage.

To learn more, feel free to visit the resources below:

• Booster Seat Ratings (iihs.org)
• Who Has Affordable Car Insurance Quotes for a Chevrolet Equinox in Tulsa? (FAQ)
• Who Has Affordable Tulsa Car Insurance Rates for First-time Drivers? (FAQ)
• Who Has Affordable Car Insurance for Welfare Recipients in Tulsa? (FAQ)
• Who Has Cheap Car Insurance Quotes for Business Use in Tulsa? (FAQ)
• What is Covered by GAP Insurance? (Allstate)
• Frontal Crash Tests (iihs.org)