Really, the only way to get discount Ford Ranger insurance in Tulsa is to compare quotes annually from insurers that sell auto insurance in Oklahoma. Rates can be compared by following these guidelines.
- Step 1: Try to learn about how companies price auto insurance and the modifications you can make to prevent expensive coverage. Many rating criteria that increase rates like at-fault accidents, speeding tickets, and poor credit rating can be eliminated by making minor driving habit or lifestyle changes.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of companies.
- Step 3: Compare the new rate quotes to your current policy to see if cheaper Ranger coverage is available. If you can save some money, make sure there is no lapse in coverage.
A tip to remember is to try to compare similar coverage information on each price quote and and to get prices from as many auto insurance providers as possible. This guarantees an accurate price comparison and many rates to choose from.
Shocking but true, the vast majority of drivers have remained with the same car insurance company for well over three years, and practically 40% of car insurance customers have never compared rate quotes at all. Drivers in Oklahoma could save an average of $550 each year by just comparing quotes, but they just don’t want to go online and compare rates.
How to get cheap Ford Ranger insurance in Tulsa, OK
The companies shown below can provide price quotes in Oklahoma. To get cheap auto insurance in Tulsa, we suggest you compare several of them to find the cheapest car insurance rates.
Reduce your car insurance rates with discounts
Car insurance is neither fun to buy or cheap, but discounts can save money and there are some available that could help you make your next renewal payment. Some of these discounts will be visible when you quote, but a few need to be asked for before being credited.
- Defensive Driving Course – Successfully completing a defensive driving course is a good idea and can lower rates depending on where you live.
- Anti-lock Brake Discount – Cars that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
- Active Service Discounts – Being on active deployment in the military could be rewarded with lower car insurance rates.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
- Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the PIP or medical payment premium.
- Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% depending on your car insurance provider.
- Memberships – Being a member of specific professional or occupational memberships or organizations may earn a discount when shopping for car insurance.
As is typical with insurance, most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you could get a free car insurance policy, company stockholders wouldn’t be very happy.
The chart below illustrates the difference between Ford Ranger annual premium costs with and without discounts being applied to the rates. The premiums are based on a female driver, a clean driving record, no claims, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, homeowner, and marriage discounts applied.
For a list of providers who offer free Ford Ranger insurance quotes in Oklahoma, click here to view.
Auto insurance statistics for a Ford Ranger
The rate table displayed below covers different insurance costs for Ford Ranger models. Learning more about how car insurance prices are formulated can assist in making smart choices when choosing a car insurance company.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Ranger XL 2WD | $278 | $562 | $458 | $28 | $136 | $1,462 | $122 |
Ranger XL SuperCab 2WD | $326 | $562 | $458 | $28 | $136 | $1,510 | $126 |
Ranger XLT 2WD | $326 | $562 | $458 | $28 | $136 | $1,510 | $126 |
Ranger XL 2WD | $326 | $562 | $458 | $28 | $136 | $1,510 | $126 |
Ranger XL SuperCab 4WD | $326 | $562 | $458 | $28 | $136 | $1,510 | $126 |
Ranger XLT SuperCab 2WD | $326 | $684 | $458 | $28 | $136 | $1,632 | $136 |
Ranger Sport SuperCab 2WD | $326 | $684 | $458 | $28 | $136 | $1,632 | $136 |
Ranger Sport SuperCab 4WD | $326 | $684 | $458 | $28 | $136 | $1,632 | $136 |
Ranger XLT SuperCab 4WD | $326 | $684 | $458 | $28 | $136 | $1,632 | $136 |
Ranger Sport SuperCab 2WD | $326 | $684 | $458 | $28 | $136 | $1,632 | $136 |
Ranger XLT SuperCab 2WD | $326 | $684 | $458 | $28 | $136 | $1,632 | $136 |
Get Your Own Custom Quote Go |
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase prices greatly.
Rate comparison for different deductibles
One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The comparisons below sum up the rate difference of buying low and high comp and collision deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Ranger XL 2WD | $258 | $480 | $448 | $26 | $134 | $1,371 | $114 |
Ranger XL SuperCab 2WD | $302 | $480 | $448 | $26 | $134 | $1,415 | $118 |
Ranger XLT 2WD | $302 | $480 | $448 | $26 | $134 | $1,415 | $118 |
Ranger XL 2WD | $302 | $480 | $448 | $26 | $134 | $1,415 | $118 |
Ranger XL SuperCab 4WD | $302 | $480 | $448 | $26 | $134 | $1,415 | $118 |
Ranger XLT SuperCab 2WD | $302 | $584 | $448 | $26 | $134 | $1,519 | $127 |
Ranger Sport SuperCab 2WD | $302 | $584 | $448 | $26 | $134 | $1,519 | $127 |
Ranger Sport SuperCab 4WD | $302 | $584 | $448 | $26 | $134 | $1,519 | $127 |
Ranger XLT SuperCab 4WD | $302 | $584 | $448 | $26 | $134 | $1,519 | $127 |
Ranger Sport SuperCab 2WD | $302 | $584 | $448 | $26 | $134 | $1,519 | $127 |
Ranger XLT SuperCab 2WD | $302 | $584 | $448 | $26 | $134 | $1,519 | $127 |
Get Your Own Custom Quote Go |
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Ranger XL 2WD | $210 | $388 | $448 | $26 | $134 | $1,206 | $101 |
Ranger XL SuperCab 2WD | $246 | $388 | $448 | $26 | $134 | $1,242 | $104 |
Ranger XLT 2WD | $246 | $388 | $448 | $26 | $134 | $1,242 | $104 |
Ranger XL 2WD | $246 | $388 | $448 | $26 | $134 | $1,242 | $104 |
Ranger XL SuperCab 4WD | $246 | $388 | $448 | $26 | $134 | $1,242 | $104 |
Ranger XLT SuperCab 2WD | $246 | $472 | $448 | $26 | $134 | $1,326 | $111 |
Ranger Sport SuperCab 2WD | $246 | $472 | $448 | $26 | $134 | $1,326 | $111 |
Ranger Sport SuperCab 4WD | $246 | $472 | $448 | $26 | $134 | $1,326 | $111 |
Ranger XLT SuperCab 4WD | $246 | $472 | $448 | $26 | $134 | $1,326 | $111 |
Ranger Sport SuperCab 2WD | $246 | $472 | $448 | $26 | $134 | $1,326 | $111 |
Ranger XLT SuperCab 2WD | $246 | $472 | $448 | $26 | $134 | $1,326 | $111 |
Get Your Own Custom Quote Go |
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific zip code location which can lower or raise coverage rates significantly.
We can derive from the above data that using a $250 deductible costs approximately $15 more each month or $180 each year averaged for all Ranger models than choosing the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 17 months between claims, you would probably save some money if you choose a higher deductible.
How to determine if raising deductibles makes sense
Average monthly premium for $250 deductibles: | $123 |
Average monthly premium for $500 deductibles (subtract): | – $108 |
Monthly savings from raising deductible: | $15 |
Difference between deductibles ($500 – $250): | $250 |
Divide difference by monthly savings: | $250 / $15 |
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One big caveat is that increasing deductibles to save money means you will have to pay more out-of-pocket at claim time. You need to have some extra savings in the event you have to pay the higher deductible.
Responsible drivers pay cheaper Tulsa auto insurance rates
The diagram below illustrates how traffic citations and accidents influence Ford Ranger insurance premiums for each age group. The data assumes a single male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
Full coverage rates vs. liability-only in Tulsa
The chart below compares Ford Ranger insurance costs with and without full coverage. The data is based on no claims, a clean driving record, $250 deductibles, marital status is single, and no other discounts are factored in.
When to drop full coverage
There is no set guideline to stop paying for comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Ford Ranger claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after the deductible is paid. If you are paying more than $500 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where dropping full coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Shop online but buy locally
Many people just want to go talk to an agent and that can be a smart move Professional agents can point out coverage gaps and give you someone to call. A nice benefit of comparing rates online is that drivers can save money and get the lowest rates and also buy local.
Once you complete this quick form, the quote information is submitted to agents in your area who can give free rate quotes for your insurance coverage. You never need to even leave your home because prices are sent to the email address you provide. If you want to get a price quote for a specific company, you would need to find their quoting web page to submit a rate quote request.
Choosing a company is decision based upon more than just the premium amount. The questions below may impact your decision as well.
- How will an accident affect your rates?
- Will their companies depreciate repairs to your car based on the mileage?
- What insurance companies do they recommend if they are an independent agent?
- Are they actively involved in the community?
- Does the company have a local claim office in Tulsa?
- Do they have designations such as AIC, CPCU, or CIC?
- Do they specialize in personal lines coverage in Tulsa?
Car insurance agents in Tulsa come in two varieties
If you’re trying to find a reliable agent, you need to know there are two different types of agents and how they can write your policy. Car insurance agencies can be described as either independent (non-exclusive) or exclusive. Either one can insure your vehicles properly, but it is important to understand the difference in how they write coverage because it can influence which type of agent you select.
Exclusive Insurance Agencies
Exclusive insurance agents generally can only insure with one company and examples are State Farm or Allstate. These agents are unable to give you multiple price quotes so you need to shop around if the rates are high. They receive extensive training on sales techniques which helps them compete with independent agents. Consumers often use the same agent mostly because of the brand and strong financial ratings.
Shown below are Tulsa exclusive insurance agents that can give you price quote information.
- Bobby Williamson – State Farm Insurance Agent
7992 S Sheridan Rd – Tulsa, OK 74133 – (918) 935-2000 – View Map - Allstate Insurance: Ron Henderson
8733 S Lewis Ave – Tulsa, OK 74137 – (918) 291-7400 – View Map - Jim Campos – State Farm Insurance Agent
12802 E 31st St a – Tulsa, OK 74146 – (918) 622-4777 – View Map
Independent Car Insurance Agents
Independent agencies are not employed by any specific company and that is an advantage because they can write policies amongst many companies and find you cheaper rates. If your agent finds better pricing, the business is moved internally and you can keep the same agent.
If you need cheaper car insurance rates, we recommend you get several quotes from at least one independent agent so that you can do a thorough price comparison. They also have the ability to place coverage with companies that do not advertise much that may have much lower rates than larger companies.
Below are independent agencies in Tulsa that can give you price quote information.
- Access Insurance
6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220 – View Map - Best Insurance Inc.
1618 W 51st St – Tulsa, OK 74107 – (918) 949-3555 – View Map - Hometown Insurance Agency Inc
8282 S Memorial Dr #201 – Tulsa, OK 74133 – (918) 366-9999 – View Map
Upon receiving reasonable responses to all your questions as well as an affordable premium quote, most likely you have located an insurance agent that meets the requirements to service your policy.
There’s no such thing as the perfect insurance policy
When selecting adequate coverage for your vehicles, there really is no single plan that fits everyone. Your financial needs are unique and your insurance should unique, too.
For example, these questions can help discover if you could use an agent’s help.
- Is there coverage for my trailer?
- Is rental equipment covered for theft or damage?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Do I have coverage for damage caused while driving under the influence?
- Are there any extra discounts I can get?
- How high should my uninsured/underinsured coverage be in Oklahoma?
- When would I need rental car insurance?
- What is high-risk coverage and where do I buy it?
- Should I rate my Ford Ranger as pleasure use or commute?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.
Decisions You Make Can Impact Your Insurance Rates
The best way to find cheaper insurance is to take a look at the rating factors that come into play when calculating insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that will entitle you to big savings.
- Liability coverage is important – The liability section of your policy will afford coverage when you are found liable for an accident. Liability insurance provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
- Stay claim-free and reduce rates – Insurance companies in Oklahoma give cheaper rates to people who do not file claims often. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Auto insurance is intended for claims that you cannot pay yourself.
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Teen drivers are expensive to insure – Teen drivers in Oklahoma tend to be careless and easily distracted in a vehicle so insurance rates are higher. If you’ve ever had to add a first-time driver onto your insurance can increase premiums substantially. Older insureds are viewed as being more responsible, statistically cause fewer accidents, and are safer drivers.
The data below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
- Never let your insurance expire – Having an insurance coverage lapse is a sure-fire way to trigger a rate increase. Not only will you pay higher rates, the inability to provide proof of insurance could result in a revoked license or a big fine. You may need to file a SR-22 with the Oklahoma motor vehicle department to get your license reinstated.
- Incidental coverages push up costs – Insurance companies have many extra bells and whistles that can add up if you aren’t diligent. Coverage for things like rental car reimbursement, better glass coverage, and extra life insurance coverage are some examples. The coverages may be enticing at first, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
Best reasons to buy insurance in Oklahoma
Despite the high cost of buying insurance for a Ford Ranger in Tulsa, insurance may be required for several reasons.
- The majority of states have mandatory insurance requirements which means you are required to carry specific limits of liability 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 you bought your Ford with a loan, most lenders will require that you have insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Ford for a lot more money and force you to pay for it.
- Insurance safeguards both your assets and your Ford Ranger. Insurance will pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance outweigh the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $810 a year so smart consumers compare quotes at every renewal to help ensure money is not being wasted.
What is YOUR best insurance company?
Cheap Ford Ranger insurance in Tulsa can be found from both online companies and with local Tulsa insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies may not have online price quotes and most of the time these small insurance companies only sell through independent agencies.
As you prepare to switch companies, never reduce coverage to reduce premium. In many instances, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best price while still protecting your assets.
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