Cheapest Insurance for a Dodge Charger in Tulsa

Unimaginable but true, a large majority of consumers have remained with the same auto insurance company for four years or more, and approximately 40% of consumers have never shopped around. Consumers in Tulsa can cut their rates by as much as $550 a year, but most just don’t grasp the amount of savings they would get if they swap their current policy for a cheaper one.

It takes a few minutes, but the best way to get discount Dodge Charger insurance is to start doing an annual price comparison from companies that sell auto insurance in Tulsa.

1. Read and learn about coverages and the measures you can take to lower rates. Many rating criteria that result in higher prices such as traffic citations and a less-than-favorable credit history can be amended by paying attention to minor details.
2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO or Allstate, while independent agencies can quote prices for a wide range of companies.
3. Compare the new rate quotes to your current policy and see if there is a cheaper rate in Tulsa. If you can save money and switch companies, make sure coverage does not lapse between policies.
4. Provide written notification to your current company of your intent to cancel your current auto insurance policy. Submit a signed application and payment to your new agent or company. Once received, place the new proof of insurance paperwork along with your vehicle registration.

The key thing to remember is to try to compare identical deductibles and limits on every price quote and and to compare as many companies as you can. Doing this enables a level playing field and a better comparison of the market.

Getting a more affordable price on insurance is actually quite simple. The only thing you need to do is invest a little time comparing rate quotes to discover which company has affordable Dodge Charger insurance quotes.

The following companies offer price quotes in Tulsa, OK. In order to find cheaper auto insurance in Tulsa, it’s highly recommended you click on several of them to get a more complete price comparison.

Earn discounts on Tulsa insurance

Companies don’t always publicize every policy discount very clearly, so the list below contains a few of the more common and the harder-to-find discounts that you can inquire about if you buy Tulsa car insurance online.

• Distant College Student Discount – Children living away from Tulsa attending college and don’t have a car can be insured at a reduced rate.
• Buy New and Save – Putting insurance coverage on a new Charger can save up to 30% because newer vehicles are generally safer.
• Pay Early and Save – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
• Tulsa Homeowners Pay Less – Owning a home in Tulsa can earn you a little savings because maintaining a house demonstrates responsibility.
• Drive Less and Save – Low annual miles can earn discounted insurance rates on garaged vehicles.
• Defensive Driver Discounts – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• No Claims – Tulsa drivers who stay claim-free can earn big discounts as opposed to drivers with a long claim history.
• Telematics Devices – Drivers who elect to allow driving data submission to study driving manner by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they have good driving habits.

Don’t be surprised that some credits don’t apply to the whole policy. Most only cut individual premiums such as liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, it just doesn’t work that way.

The illustration below compares Dodge Charger insurance costs with and without discounts applied to the rates. The costs are based on a female driver, no driving violations, no at-fault accidents, Oklahoma state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, marriage, and safe-driver discounts applied.

A list of companies and a summarized list of policyholder discounts include:

• State Farm discounts include Drive Safe & Save, driver’s education, passive restraint, good student, multiple policy, accident-free, and Steer Clear safe driver discount.
• Liberty Mutual has discounts for newly married, multi-policy, teen driver discount, safety features, newly retired, preferred payment discount, and new move discount.
• American Family has savings for good driver, bundled insurance, TimeAway discount, multi-vehicle, mySafetyValet, air bags, and early bird.
• Progressive may offer discounts for online signing, online quote discount, good student, multi-policy, and continuous coverage.
• Farmers Insurance includes discounts for homeowner, switch companies, youthful driver, teen driver, early shopping, good student, and alternative fuel.
• Auto-Owners Insurance offers discounts including teen driver, anti-theft, multiple vehicles, paid in full, paperless, and company car.
• SAFECO offers discounts for safe driver, anti-theft, teen safe driver, teen safety rewards, and drive less.

Check with every insurance company which discounts you may be entitled to. Savings may not apply to policyholders everywhere. If you would like to see a list of companies that have a full spectrum of discounts in Tulsa, click here.

Facts and figures for Dodge Charger insurance

The price information shown next highlights estimates of insurance prices for Dodge Charger models. Being able to understand how insurance quotes are calculated is important for drivers to make smart choices when selecting a coverage provider.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Table data does not factor in specific location information which can decrease or increase insurance rates significantly.

Analysis of deductible levels

One of the most common auto insurance questions is where to set your physical damage deductibles. The data tables below summarize the rate difference when you choose different comp and collision deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second set of rates 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 homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in vehicle location which can modify coverage rates significantly.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $54 more each month or $648 annually than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 17 months between claim filings, you would save more money going with the higher deductible. The illustration below shows how we made this calculation.

One important caveat is that increasing deductibles to save money means you will have to pay more when you do file a claim. That will require enough disposable savings in the event you need to pay more for the deductible.

The chart below demonstrates how choosing different deductibles and can increase or decrease Dodge Charger premium costs for different age groups of insureds. Data assumes a married male driver, full physical damage coverage, and no discounts are applied.

Car insurance quotes from neighborhood Tulsa auto insurance agents

Some people would prefer to talk to an insurance agent and that is a personal choice. Professional agents can make sure you are properly covered and give you someone to call. One of the great benefits of comparing rates online is you can get cheap rate quotes and still have an agent to talk to.

After completing this simple form, the coverage information is emailed to local insurance agents that can provide free Tulsa car insurance quotes for your car insurance coverage. You won’t even need to do any legwork as quotes are delivered straight to your inbox. If you wish to get a price quote from one company in particular, don’t hesitate to visit that company’s website to submit a rate quote request.

Picking the best insurance company requires you to look at more than just the premium amount. Get answers to these questions too.

• Do they specialize in personal lines auto insurance in Tulsa?
• Can glass repairs be made at your home?
• How will an accident affect your rates?
• How many companies do they write for?
• Does the agency support the community they serve?
• Will the agent help in case of a claim?

The following is a list of car insurance companies in Tulsa that are able to give price quote information for Dodge Charger insurance in Tulsa.

• Access Insurance
  6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220 – View Map
• Mark Fugett – State Farm Insurance Agent
  4949 S Mingo Rd – Tulsa, OK 74146 – (918) 628-1900 – View Map
• Kelly Bell – State Farm Insurance Agent
  10030 S Mingo Rd b – Tulsa, OK 74133 – (918) 459-0456 – View Map
• Randall Young – State Farm Insurance Agent
  5840 S Memorial Dr #207 – Tulsa, OK 74145 – (918) 664-8750 – View Map

More insurance agents

Informed Drivers Can Save Money

Lots of things are used when pricing auto insurance. Most are fairly basic such as your driving history, but some are less apparent like where you live or your financial responsibility. The best way to find cheaper auto insurance is to take a look at the factors that come into play when calculating your premiums. When consumers understand what impacts premium levels, this enables informed choices that can help you get cheaper rates.

• Infrequent drivers can save – The more miles you rack up on your Dodge in a year’s time the more you will pay for auto insurance. Almost all companies apply a rate based on their usage. Cars and trucks that do not get driven very much can be on a lower rate level compared to those used for work or business. Double check that your auto insurance declarations sheet reflects the correct usage. A policy that improperly rates your Charger may be costing you.
• Your address can impact rates – Residing in areas with lower population is a good thing when shopping for auto insurance. Drivers in populated areas tend to have traffic congestion and longer commute times. Fewer people corresponds to lower accident rates as well as less vandalism and auto theft.
• Limits of liability coverage – Liability insurance kicks in if ever you are ruled to be at fault for physical damage or personal injury to other. Liability insurance provides for a legal defense starting from day one. Liability is cheap compared to physical damage coverage, so do not skimp.

• Cautious drivers pay less – Attentive drivers tend to pay less for car insurance compared to drivers with tickets. Getting just one citation may cause rates to rise forty percent or more. People who have license-revoking citations such as DUI, reckless driving or excessive speeding may be required to file a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.

  The chart below illustrates how speeding tickets and fender-benders raise Dodge Charger car insurance rates for different age groups of insureds. The premiums assume a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

• Do you work long hours in a high stress employer? – Did you know your occupation can influence how much you pay for auto insurance? Careers like real estate brokers, police officers, and financial analysts have higher rates than average attributed to intense work requirements and long work hours. On the other hand, careers like professors, students and performers have lower than average premiums.

• Insurance loss data for Dodge Charger vehicles – Insurers use claims history when they calculate premium rates for each model. Models that are shown to have a trend towards higher claims will have a higher premium rate. The table below shows the historical loss data for Dodge Charger vehicles.

  For each coverage category, the statistical loss for all vehicles, regardless of make, model or trim level, is set at 100. Numbers below 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate more frequent claims or an increased chance of larger losses than average.

  
  

  Insurance Loss Ratings for Dodge Charger Vehicles

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Dodge Charger 2WD	148	142	160	176	178	159
  Dodge Charger 4WD	124	129	115	107	110	138
  Dodge Charger HEMI	156	106	202	118	127	111

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Here’s why auto insurance is not optional

Despite the fact that auto insurance is not cheap in Tulsa, maintaining insurance may not be optional for several reasons.

First, the majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection if you don’t want to risk a ticket. 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.

Second, if you bought your Dodge Charger with a loan, most banks will require you to buy full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may insure your Dodge for a lot more money and require you to reimburse them for the expensive policy.

Third, insurance safeguards both your vehicle and your assets. Insurance will pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance definitely exceed the price paid, especially with large liability claims. On average, a vehicle owner in Tulsa overpays more than $865 each year so shop around at least once a year to save money.

Best auto insurance in Oklahoma

Insuring your vehicle with the best auto insurance provider can be rather challenging considering how many different companies sell coverage in Oklahoma. The company ratings listed below may help you pick which car insurance companies you want to consider comparing prices from.

Top 10 Tulsa Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top 10 Tulsa Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Cheaper car insurance rates are out there

Budget-conscious Dodge Charger insurance is definitely available on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection. Some car insurance companies do not offer rate quotes online and most of the time these regional insurance providers sell through local independent agents.

Drivers leave their current company for any number of reasons including poor customer service, extreme rates for teen drivers, denial of a claim or even high prices. No matter why you want to switch, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. In too many instances, an accident victim reduced liability coverage limits and learned later that it was a big mistake. Your objective should be to find the BEST coverage at the best cost while not skimping on critical coverages.

For more information, feel free to visit the articles below:

• Frontal Crash Tests (iihs.org)
• Who Has the Cheapest Tulsa Car Insurance for a Toyota 4Runner? (FAQ)
• What Insurance is Cheapest for Low Mileage Drivers in Tulsa? (FAQ)
• Who Has Affordable Car Insurance Quotes for a Honda CR-V in Tulsa? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Felons in Tulsa? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Toyota Tundra in Tulsa? (FAQ)
• How Much is Car Insurance for Uninsured Drivers in Tulsa? (FAQ)
• How to shop for a safer car (Insurance Institute for Highway Safety)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Parking Tips to Reduce Door Dings (State Farm)
• Booster Seat Ratings (iihs.org)