Car Insurance Quotes for a Jeep Commander in Tulsa

Statistics show that nearly 70% of customers have stayed with the same insurance company for at least four years, and 38% of customers have never shopped around. Most drivers in Oklahoma could save $600 a year just by comparing rates, but most just don’t grasp the amount of savings they would get if they moved their coverage to a different company.

It takes a few minutes, but the best way to get discount Jeep Commander insurance is to do an annual price comparison from different companies in Tulsa. Rate comparisons can be done by following these guidelines.

Step 1: Learn about how companies price auto insurance and the things you can control to keep rates down. Many risk factors that cause high rates like distracted driving and a bad credit rating can be controlled by making minor changes in your lifestyle. Continue reading for more information to keep prices down and find additional discounts you may qualify for.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from multiple insurance companies.

Step 3: Compare the price quotes to your current policy to see if switching to a new carrier will save money. If you find a better price and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Tell your current company of your intention to cancel your current auto insurance policy. Submit a signed application and payment to your new insurance company. Be sure to keep the new proof of insurance paperwork in your vehicle’s glove compartment or console.

A key point to remember is that you use the same amount of coverage on each quote and and to get price quotes from as many companies as you can. Doing this helps ensure an apples-to-apples comparison and the best rate selection.

Car insurance providers offering low-cost rates in Oklahoma

The providers in the list below are our best choices to provide price comparisons in Tulsa, OK. If multiple companies are listed, we suggest you visit as many as you can in order to find the most affordable rates.

Jeep Commander insurance charts and tables

The table displayed below covers estimates of coverage costs for Jeep Commander models. Understanding more about how insurance rates are calculated can be of help when making decisions when choosing a new policy provider.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific Tulsa garaging location which can change insurance rates substantially.

Higher deductibles save money

When buying insurance, a common question is how low should you set your deductibles. The comparisons below may aid in understanding the differences in premium rates between high and low deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in zip code location which can modify premiums substantially.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $19 more each month or $228 a year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 13 months between claim filings, you would save money if you choose the higher deductible.

The example below illustrates how your deductible choice and can increase or decrease Jeep Commander insurance costs for each different age group. The rate quotes are based on a single male driver, comp and collision included, and no discounts are applied to the premium.

Impact of citations and accidents on Tulsa insurance rates

The chart below shows how violations and at-fault accidents increase Jeep Commander car insurance costs for each age group. The costs are based on a single female driver, full coverage, $250 deductibles, and no policy discounts are applied.

Liability only or full coverage

The diagram below illustrates the comparison of Jeep Commander auto insurance costs when comparing full coverage to liability only. The premium estimates are based on no accidents, no driving violations, $500 deductibles, single status, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no definitive formula to drop physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Jeep Commander book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If you are paying in excess of $300 annually for full coverage, then it might be time to consider dropping full coverage.

There are some cases where removing full coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Slash your insurance rates with discounts

Car insurance companies don’t always advertise the complete list of policy discounts very well, so below is a list some of the best known and the harder-to-find savings tricks you should be using when you buy Tulsa car insurance online.

• Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and will save you 10% or more on Commander insurance in Tulsa.
• Organization Discounts – Being in a professional or civic organization is a simple method to lower premiums on your next insurance statement.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could save 15% off PIP or medical payments premium.
• Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accident claims.
• Bundle and Save – If you can combine your homeowners and auto policy with the same insurance company you could get a discount of up to 20% off your total Commander insurance premium.

As is typical with insurance, some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

The diagram below illustrates the difference between Jeep Commander insurance premiums with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or driving violations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-policy, homeowner, and multi-car discounts applied.

The best insurance companies and a partial list of their discounts can be found below.

• State Farm offers discounts for defensive driving training, Steer Clear safe driver discount, student away at school, driver’s education, safe vehicle, accident-free, and anti-theft.
• GEICO offers premium reductions for air bags, federal employee, multi-vehicle, emergency military deployment, and daytime running lights.
• SAFECO offers discounts including multi-car, teen safety rewards, homeowner, drive less, and teen safe driver.
• Farmers Insurance may include discounts for multi-car, business and professional, homeowner, good student, switch companies, early shopping, and pay in full.
• AAA has discounts for good driver, education and occupation, anti-theft, pay-in-full, and AAA membership discount.
• USAA may have discounts that include family discount, defensive driver, vehicle storage, safe driver, good student, and new vehicle.

If you want affordable Jeep Commander insurance quotes, ask all companies you are considering what discounts are available to you. Depending on the company, some discounts might not be offered on policies in every state. For a list of insurance companies with the best Jeep Commander insurance discounts in Tulsa, follow this link.

Informed Consumers Can Save Money

Many different elements are taken into consideration when quoting car insurance. Most are fairly basic such as your driving record, but other criteria are more transparent such as your marital status and annual miles driven.

• Vehicles with better crash test results means cheaper prices – Cars with five star safety ratings cost less to insure. Vehicles engineered for safety protect occupants better and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates.
• High credit score translates to low premiums – A driver’s credit score factor in determining premium rates. If your credit history is not that good, you could be paying less to insure your Jeep Commander if you improve your credit rating. People that have excellent credit scores tend to be better risks to insure as compared to drivers with poor credit.
• Fewer miles means better costs – Driving a lot of miles each year the more you’ll pay to insure it. A lot of insurance companies rate vehicles based upon how you use the vehicle. Vehicles that are left in the garage receive better premium rates compared to those used for work or business. Make sure your insurance policy shows annual mileage. Improper usage on your Commander can cost quite a bit.

• Gals tend to be lower risk – Over time, data shows females are less aggressive when driving. It does not mean men are worse drivers. Men and women cause auto accidents at about the same rate, but the males tend to have more serious accidents. They also get ticketed for serious violations such as reckless driving.

  The diagram below illustrates the difference between Jeep Commander auto insurance rates for male and female drivers. The data is based on no violations or claims, full coverage, $500 deductibles, marital status is single, and no other discounts are factored in.

• More than one policy can earn a discount – Most insurance companies will award better rates to policyholders who have multiple policies with them in the form of a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even with this discount applied, you still need to check prices from other companies to make sure you are getting the best deal.
• Can a thief steal your car? – Owning a car with an alarm system can earn a premium discount. Systems that thwart thieves like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop auto theft and help lower rates.

Local Tulsa insurance agents

Some people just want to get advice from a local agent and that is just fine! One of the benefits of comparing rate quotes online is the fact that you can find better rates and also buy local.

To find an agent, once you fill out this simple form, your information is instantly submitted to local insurance agents in Tulsa that can provide free Tulsa car insurance quotes for your business. You won’t even need to drive around since price quotes are sent to you instantly. You can find lower rates without requiring a lot of work. If for some reason you want to compare prices from a specific company, don’t hesitate to search and find their rate quote page and fill out their quote form.

Finding a good insurance company should include more criteria than just the premium amount. The following questions are important to ask.

• Are there any extra charges for paying monthly?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Can you contact them at any time?
• How many companies do they write for?
• Are there any discounts that you might be missing?
• By raising physical damage deductibles, how much would you save?
• Where are claims handled?
• Does the agent recommend any additional coverage?

If you want to buy car insurance from a local insurance agency, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Agencies in Tulsa can be classified as either exclusive agents or independent agents.

Exclusive Car Insurance Agents

Exclusive agencies write business for a single company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on their company’s products and that enables them to sell even at higher rates.

Below are exclusive insurance agencies in Tulsa who can help you get rate quotes.

More Tulsa agents

Independent Car Insurance Agencies

Agents that choose to be independent do not write with just one company so they can write business with any number of different companies and get the cheapest rates. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. If you are comparing rate quotes, you will want to get several quotes from a couple of independent agencies for maximum quote selection.

Shown below are independent insurance agents in Tulsa willing to provide price quote information.

More Tulsa agents

What is YOUR best insurance company?

Lower-priced auto insurance in Tulsa is available both online in addition to many Tulsa insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not provide online price quotes and many times these small insurance companies provide coverage only through independent agents.

When shopping online for auto insurance, do not reduce needed coverages to save money. In too many instances, an accident victim reduced physical damage coverage and learned later that they should have had better coverage. Your objective should be to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

We covered a lot of techniques to reduce Jeep Commander insurance rates online in Tulsa. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding cheaper Tulsa car insurance quotes. Consumers may even find the lowest rates come from an unexpected company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

To learn more, link through to the articles below:

• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Who Has Affordable Car Insurance Rates for Handicapped Drivers in Tulsa? (FAQ)
• Who Has Affordable Car Insurance for Welfare Recipients in Tulsa? (FAQ)
• Distracted Driving Statistics (Insurance Information Institute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)