Car Insurance Rate Quotes for a Kia Sportage in Tulsa

Really, the only way to find affordable quotes for Kia Sportage insurance in Tulsa is to make a habit of comparing prices annually from companies in Oklahoma.

1. Take a little time to learn about policy coverages and the factors you can control to prevent expensive coverage. Many rating factors that cause high rates like traffic citations, accidents, and poor credit history can be eliminated by making lifestyle changes or driving safer.
2. Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like Progressive or State Farm, while independent agents can quote prices for a wide range of companies. Select a company
3. Compare the new quotes to your existing coverage and determine if cheaper Sportage coverage is available in Tulsa. If you find a better price and decide to switch, make sure coverage does not lapse between policies.
4. Provide notification to your current agent or company of your intent to cancel the current policy. Submit a signed application and payment to the new company. Be sure to place your new certificate verifying coverage in an easily accessible location in your vehicle.

The key aspect of shopping around is to use identical deductibles and limits on every price quote and and to look at every company you can. This ensures a fair price comparison and and a good selection of different prices.

We don’t have to point out that fact that auto insurance companies want to keep you from shopping around. Consumers who shop around for better prices are inclined to switch insurance companies because the odds are good of finding coverage at a more affordable price. Surprisingly, a recent survey revealed that consumers who compared rate quotes regularly saved on average $860 a year as compared to drivers who don’t regularly compare prices.

If finding the lowest rates on Kia Sportage insurance is your objective, then having some knowledge of the best way to quote and compare insurance rates can make the process more efficient.

Companies offering low-cost Kia Sportage rate quotes in Tulsa, OK

The providers in the list below have been selected to offer free quotes in Tulsa, OK. If you want to find cheaper car insurance in Tulsa, OK, it’s highly recommended you compare several of them to get the best price comparison.

Rates and information analytics

The price information below outlines different insurance prices for Kia Sportage models. Being able to understand how insurance prices are established helps drivers make smart choices when buying a car insurance policy.

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific location information which can decrease or increase coverage prices significantly.

Deductible comparison

When comparing auto insurance rates, the most common question is which comprehensive and collision deductibles to buy. The data tables below show how much more you’ll pay between low and high coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in garaging location in Tulsa which can raise or lower auto insurance rates substantially.

Based on the above data, using a $250 deductible will cost you approximately $30 more each month or $360 a year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 25 months between claims, you would most likely save money if you choose a higher deductible. The numbers below show an example of how you can decide this on your own policy.

The information below shows how different deductible levels and can raise or lower Kia Sportage insurance costs for each different age group. The premium estimates are based on a single male driver, full coverage, and no discounts are applied.

Rate comparison of men versus women

The illustration below illustrates the difference between Kia Sportage auto insurance costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no discounts are applied.

Auto insurance policy discounts you can’t miss

Companies offering auto insurance don’t necessarily list every possible discount in a way that’s easy to find, so the list below details some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If you are not receiving all the discounts you deserve, you’re just leaving money on the table.

• Military Deployment Discount – Having a deployed family member can result in better premium rates.
• Own a Home – Owning a house in Tulsa can get you a discount since owning and maintaining a home means you have a higher level of financial diligence.
• Defensive Driver – Completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
• Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving could cut 10% or more off PIP or medical payments premium.
• Accident-Free Discounts – Insureds who avoid accidents and claims pay less compared to insureds who have frequent claims or accidents.
• Onboard Data Collection – Insureds that choose to allow driving data collection to track driving manner by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they exhibit good driving behavior.
• Switch and Save Discount – A few auto insurance companies offer discounts for renewing your policy prior to your current Sportage insurance policy expiring. It could save around 10% when you buy Tulsa car insurance online.
• Low Miles Discount – Keeping the miles down on your Kia can earn cheaper rates.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings as much as 30%.

Don’t be shocked that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. Even though the math looks like you could get a free auto insurance policy, you aren’t that lucky. Any amount of discount should definitely cut your policy premium.

The information below compares Kia Sportage insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no claims, a clean driving record, 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 multi-car, safe-driver, multi-policy, claim-free, marriage, and homeowner discounts applied.

To find providers that offer discounts in Oklahoma, follow this link.

Auto insurance quotes from neighborhood Tulsa auto insurance agents

Some consumers still prefer to buy from a licensed agent and there is nothing wrong with that. Good insurance agents can make sure you are properly covered and will help you if you have claims. One of the great benefits of comparing auto insurance online is you may find the best rates and still have a local agent.

By using this form (opens in new window), the coverage information gets sent to companies in Tulsa who will give competitive quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents because prices are sent directly to you. If you need to compare prices from one company in particular, feel free to go to their quote page and give them your coverage information.

Picking the best company shouldn’t rely on just a cheap price quote. These are valid questions to ask:

• Does the company allow you to choose your own collision repair facility?
• Does the agency have a positive business rating?
• Does their agency support local causes in Tulsa?
• Do they specialize in personal lines coverage in Tulsa?
• Which companies do they recommend if they are an independent agency?

Compare rates from both independent and exclusive car insurance agents

When researching a good Tulsa insurance agent, it helps to know the two types of agencies and how they function. Agencies in Tulsa are categorized either exclusive or independent (non-exclusive). Both types can properly insure your vehicles, but it’s important to know the difference in how they write coverage since it may influence buying decisions.

Exclusive Agents

Agents in the exclusive channel can only quote rates from one company and some examples include State Farm or Allstate. They are unable to compare other company’s rates so they really need to provide good service. They are very knowledgeable on their company’s products which helps them compete with independent agents.

The following are Tulsa exclusive insurance agencies who may provide you with price quotes.

View more Tulsa agents

Independent Auto Insurance Agencies

These agents are not employed by any specific company so they can insure your vehicles with an assortment of companies and find the cheapest rate. To move your coverage to a new company, they simply switch companies in-house and you stay with the same agent.

If you are trying to find cheaper rates, you will definitely want to include several independent agencies so that you have a good selection of quotes to compare.

Shown below is a short list of independent agencies in Tulsa who can help you get price quote information.

View more Tulsa agents

A conclusion for your car insurance search

Cheap Kia Sportage insurance in Tulsa can be sourced from both online companies and also from your neighborhood Tulsa agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not provide rates over the internet and most of the time these smaller companies provide coverage only through independent agencies.

When getting Tulsa car insurance quotes online, you should never buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability limits or collision coverage only to find out they didn’t purchase enough coverage. Your goal is to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

More learning opportunities

• Child Safety FAQ (iihs.org)
• What Auto Insurance is Cheapest for Drivers Over Age 50 in Tulsa? (FAQ)
• What Car Insurance is Cheapest for Low Income Drivers in Tulsa? (FAQ)
• How to shop for a safer car (Insurance Institute for Highway Safety)
• Understanding Car Crashes Video (iihs.org)
• Determining Auto Insurance Rates (GEICO)