Anyone knows that auto insurance companies want to keep you from shopping around. People who compare rates annually are very likely to switch auto insurance companies because there is a high probability of finding more affordable rates. A recent auto insurance study revealed that drivers who shopped around annually saved $865 a year compared to policyholders who never compared rates.
If finding the best price on Hyundai Sonata insurance in Tulsa is your objective, then knowing how to quote and compare cheaper coverage can make it easier to shop your coverage around.
If your goal is the lowest price, then the best way to get affordable car insurance rates is to annually compare prices from insurance carriers in Tulsa. Rates can be compared by following these guidelines.
- Read and learn about the different coverages in a policy and the things you can change to drop your rates. Many factors that cause rate increases such as speeding tickets, accidents and a not-so-good credit rating can be rectified by making minor changes in your lifestyle. Continue reading for more ideas to help keep rates affordable and find more discounts that you may not know about.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of companies.
- Compare the new rate quotes to the price on your current policy to determine if you can save on Sonata insurance in Tulsa. If you can save some money and decide to switch, ensure coverage does not lapse between policies.
- Provide written notification to your current company to cancel your current car insurance policy. Submit a completed application and payment to the newly selected company. Be sure to store the certificate of insurance along with your vehicle registration.
A good piece of advice is to compare similar limits and deductibles on every price quote and and to get rate quotes from every company you can. Doing this enables the most accurate price comparison and plenty of rates choose from.
Getting a cheaper price on insurance can be quick and easy. The only requirement is to invest a few minutes to get quotes to find out which insurance company has affordable Hyundai Sonata insurance quotes.
The companies shown below have been selected to offer free rate quotes in Tulsa, OK. To buy cheap auto insurance in Tulsa, we suggest you click on several of them to get the best price comparison.
Rates and detailed analysis
The table displayed next outlines different insurance policy prices for Hyundai Sonata models. Learning as much as possible about how rates are formulated is important for drivers to make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $206 | $416 | $658 | $38 | $198 | $1,516 | $126 |
| Sonata GLS 4-Dr Sedan | $206 | $416 | $658 | $38 | $198 | $1,516 | $126 |
| Sonata GLS 4-Dr Sedan | $206 | $416 | $658 | $38 | $198 | $1,516 | $126 |
| Sonata SE 4-Dr Sedan | $206 | $490 | $658 | $38 | $198 | $1,590 | $133 |
| Sonata SE 4-Dr Sedan | $206 | $490 | $658 | $38 | $198 | $1,590 | $133 |
| Sonata Limited 4-Dr Sedan | $232 | $490 | $658 | $38 | $198 | $1,616 | $135 |
| Sonata Limited 4-Dr Sedan | $232 | $490 | $658 | $38 | $198 | $1,616 | $135 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can alter coverage rates considerably.
Physical damage deductibles
One of the hardest decisions when shopping for insurance is how high or low should comp and collision deductibles be. The figures shown below determine the rate difference of buying low and high policy deductibles. The first price estimate table uses a $250 deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $346 | $584 | $506 | $30 | $152 | $1,643 | $137 |
| Sonata GLS 4-Dr Sedan | $346 | $584 | $506 | $30 | $152 | $1,643 | $137 |
| Sonata GLS 4-Dr Sedan | $346 | $584 | $506 | $30 | $152 | $1,643 | $137 |
| Sonata SE 4-Dr Sedan | $346 | $688 | $506 | $30 | $152 | $1,747 | $146 |
| Sonata SE 4-Dr Sedan | $346 | $688 | $506 | $30 | $152 | $1,747 | $146 |
| Sonata Limited 4-Dr Sedan | $392 | $688 | $506 | $30 | $152 | $1,793 | $149 |
| Sonata Limited 4-Dr Sedan | $392 | $688 | $506 | $30 | $152 | $1,793 | $149 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $282 | $472 | $506 | $30 | $152 | $1,442 | $120 |
| Sonata GLS 4-Dr Sedan | $282 | $472 | $506 | $30 | $152 | $1,442 | $120 |
| Sonata GLS 4-Dr Sedan | $282 | $472 | $506 | $30 | $152 | $1,442 | $120 |
| Sonata SE 4-Dr Sedan | $282 | $554 | $506 | $30 | $152 | $1,524 | $127 |
| Sonata SE 4-Dr Sedan | $282 | $554 | $506 | $30 | $152 | $1,524 | $127 |
| Sonata Limited 4-Dr Sedan | $318 | $554 | $506 | $30 | $152 | $1,560 | $130 |
| Sonata Limited 4-Dr Sedan | $318 | $554 | $506 | $30 | $152 | $1,560 | $130 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price information does not factor in specific location which can revise coverage prices substantially.
Based on this data, using a $250 deductible will cost you approximately $18 more each month or $216 each year averaged for all Sonata models than quoting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 14 months between claim filings, you would more than likely save some money by going with a higher deductible.
Cheaper rates with discounts
Companies offering auto insurance don’t always advertise all available discounts very clearly, so we researched both well-publicized and the more hidden ways to save on car insurance. If you do not check that you are getting every discount available, you are paying more than you should be.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
- New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because newer models are generally safer.
- No Charge for an Accident – This isn’t a discount exactly, but a few companies such as Allstate and State Farm will allow you to have one accident without getting socked with a rate hike if you have no claims prior to being involved in the accident.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
- Paperwork-free – Some car insurance companies will provide an incentive for buying your policy on the web.
- Air Bags and Passive Restraints – Vehicles equipped with air bags can receive discounts of more than 20%.
- Claim Free – Drivers who don’t have accidents get the best car insurance rates when compared to insureds who have frequent claims or accidents.
- Defensive Driving Course – Taking time to complete a class that teaches defensive driver techniques is a good idea and can lower rates and easily pay for the cost of the class.
- Student in College – Any of your kids living away from Tulsa attending college and don’t have a car could qualify for this discount.
- Policy Bundle Discount – If you insure your home and vehicles and insure them with the same company you will save at least 10 to 15 percent or more.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
The chart below illustrates the comparison of Hyundai Sonata annual premium costs with and without discounts. The data assumes a male driver, a clean driving record, no claims, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.
Companies that have some of the discounts shown above include:
Double check with every prospective company to apply every possible discount. A few discounts might not be available to policyholders in Tulsa. To find insurance companies with discount rates in Oklahoma, follow this link.
Three reasons to not skimp on car insurance
Even though it can be expensive, buying car insurance may not be optional for several reasons.
- Most states have minimum mandated liability insurance limits which means you are required to buy a minimum amount 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 took out a loan on your vehicle, almost every bank will force you to buy full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Hyundai at a much higher rate and make you pay for it.
- Insurance protects both your car and your personal assets. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance will also pay to defend you if you are sued as the result of your driving. If you have damage to your Hyundai as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance definitely exceed the cost, especially with large liability claims. But the average American driver is currently overpaying as much as $865 each year so you should quote your policy with other companies each time the policy renews to make sure the price is not too high.
Ratings for Oklahoma car insurance companies
Insuring your vehicle with the top insurer can be rather challenging considering how many companies there are to choose from in Oklahoma. The ranking information in the next section can help you select which coverage providers you want to consider shopping prices with.
| 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
When to get professional advice
Keep in mind that when it comes to choosing insurance from an agent or online for your personal vehicles, there really is not a best way to insure your cars. Your financial needs are unique.
For instance, these questions might help in determining if your insurance needs will benefit from professional help.
- Do I get a pro-rated refund if I cancel my policy early?
- Does every company file a SR-22 automatically?
- Should I buy only the required Oklahoma minimum liability coverage?
- Is there a penalty for late payment?
- Is pet coverage available?
- Is business equipment covered while in my vehicle?
- Will my Hyundai Sonata be repaired with OEM or aftermarket parts?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.
Auto insurance agents near you
Many people still like to sit down and talk to an agent and there is nothing wrong with that. Professional agents are highly skilled in risk management and help submit paperwork. A nice benefit of getting online price quotes is the fact that drivers can get cheap rate quotes and also buy local. Buying insurance from neighborhood agents is definitely important in Tulsa.
To find an agent, once you fill out this short form, your insurance data is emailed to companies in Tulsa who will return price quotes and help you find cheaper coverage. There is no need to drive around because prices are sent to the email address you provide. In the event you want to compare prices from a specific company, you can always find their quoting web page and fill out the quote form the provide.
If you need to find a reputable agency, you must know there are a couple different types of agencies and how they can service your needs differently. Agents in Tulsa are considered either independent agents or exclusive agents. Both types can handle auto insurance, but it is important to understand the differences because it can impact the kind of agent you use.
Independent Auto Insurance Agents
Agents in the independent channel do not work for one specific company and that enables them to quote your coverage with lots of companies enabling the ability to shop coverage around. If you want to switch companies, they simply move your policy to a different company without you having to go to a different agency. When searching for an agent, it’s a good idea to get some free quotes from at a minimum one independent agency in order to compare the most rates. They often place coverage with less well-known companies that may provide cheaper auto insurance rates.
Shown below is a partial list of independent agents in Tulsa who may provide free rate quotes.
- GDK Insurance Agency, Inc.
3908 E 31st St – Tulsa, OK 74135 – (918) 742-5861 – View Map - All American Insurance Agency
6145 E 21st St – Tulsa, OK 74114 – (918) 832-8823 – View Map - A-1 Insurance
4100 E 51st St #105 – Tulsa, OK 74135 – (918) 743-2886 – View Map
Exclusive Insurance Agencies
Exclusive agencies can only write with one company like Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are usually well trained on their company’s products and that enables them to sell even at higher rates. Consumers often use the same exclusive agent mainly due to the prominence of the brand rather than having the cheapest rates.
Shown below are Tulsa exclusive insurance agents willing to provide comparison quotes.
- Allstate Insurance: Jim Boese
10396 E 21st St – Tulsa, OK 74129 – (918) 665-2424 – View Map - Jim Campos – State Farm Insurance Agent
12802 E 31st St a – Tulsa, OK 74146 – (918) 622-4777 – View Map - Velta Augusta – State Farm Insurance Agent
8929 S Memorial Dr #190 – Tulsa, OK 74133 – (918) 254-1959 – View Map
Picking an auto insurance agent needs to be determined by more than just the bottom line cost. You should also get answers to these questions.
- Has the agent ever had any license suspensions?
- Does the agent recommend any additional coverage?
- Does the agency support the community they serve?
- Are they able to provide referrals?
- Can you choose the body shop in case repairs are needed?