Auto Insurance Rate Quotes for a Kia Soul in Tulsa

The most effective way to find cheaper auto insurance rates in Tulsa is to make a habit of comparing prices annually from different companies in Oklahoma.

• First, try to comprehend how auto insurance works and the measures you can take to prevent expensive coverage. Many policy risk factors that result in higher prices such as accidents, traffic violations, and a poor credit score can be controlled by making small lifestyle or driving habit changes.
• Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while independent agents can provide rate quotes for many different companies.
• Third, compare the new rates to your existing policy and determine if there is any savings. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.

One important bit of advice is that you’ll want to make sure you compare the same liability limits and deductibles on every quote request and and to get prices from every company you can. Doing this guarantees an accurate price comparison and a complete price analysis.

A study showed that the vast majority of Oklahoma insurance customers renewed their policy with the same company for over three years, and just under half have never even compared rates from other companies. American insurance shoppers could save an average of almost $860 each year just by comparing rates, but they just don’t understand how easy it is to find affordable insurance by shopping around.

Discount Tulsa insurance quotes

Some companies don’t always list the entire discount list in an easy-to-find place, so we break down a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy Tulsa car insurance online.

• Save with More Vehicles Insured – Buying coverage for all your vehicles with one company can get a discount on all vehicles.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if offered at their school.
• Smart Student Discounts – This discount may save as much as 25% on a Tulsa car insurance quote. The discount lasts well after school through age 25.
• Renewal Discounts – A few insurance companies offer discounts for switching policies early. You can save around 10% with this discount.
• Defensive Driving Course – Completing a course that instructs on driving safety could save 5% or more and make you a better driver.
• Payment Method – By making one initial payment instead of making monthly payments you can actually save on your bill.
• No Claim Discounts – Claim-free drivers have much lower rates as compared to accident-prone drivers.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and will save you 10% or more on Soul insurance in Tulsa.
• Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.

Keep in mind that most credits do not apply to the whole policy. Most only reduce individual premiums such as liability and collision coverage. So even though you would think you could get a free insurance policy, companies wouldn’t make money that way.

The information below illustrates the comparison of Kia Soul insurance prices with and without discounts applied to the rates. The price estimates are based on a female driver, no claims, a clean driving record, Oklahoma state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, claim-free, multi-car, and multi-policy discounts applied.

Large insurance companies and their offered discounts can be found below.

• Farm Bureau has savings for multi-vehicle, renewal discount, driver training, safe driver, and good student.
• Liberty Mutual discounts include new move discount, teen driver discount, good student, new graduate, newly married, and multi-policy.
• State Farm has discounts for good student, defensive driving training, safe vehicle, accident-free, student away at school, and Drive Safe & Save.
• Auto-Owners Insurance may offer discounts for multi-policy, safe driver, mature driver, company car, anti-lock brakes, and group or association.
• GEICO offers discounts for daytime running lights, emergency military deployment, five-year accident-free, good student, federal employee, and air bags.
• SAFECO may include discounts for safe driver, accident prevention training, teen safe driver, drive less, homeowner, and anti-theft.

Check with all the companies which credits you are entitled to. Some discounts listed above might not be offered everywhere. If you would like to view providers that have a full spectrum of discounts in Tulsa, click here to view.

Just keep in mind that comparing more rates from different companies will increase your chances of finding a better price. Not every company does online Tulsa Soul insurance quotes, so it’s recommended that you also compare rates from them as well.

The companies shown below provide quotes in Oklahoma. To get the cheapest auto insurance in Tulsa, OK, we recommend you visit two to three different companies in order to get a fair rate comparison.

Insurance coverage analysis

The table shown below outlines estimates of coverage prices for Kia Soul models. Being aware of how rates are determined can assist in making smart choices when choosing a car insurance company.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in specific garaging location which can increase or decrease premium rates substantially.

Higher deductibles lower rates

One common question asked by Tulsa drivers is how high should your deductibles be. The following tables sum up the rate fluctuation between high and low physical damage deductibles. The first pricing table uses a $100 deductible and the second rate table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in specific zip code location which can impact auto insurance rates considerably.

Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $44 more each month or $528 every year than quoting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 20 months between claim filings, you would more than likely save some money if you choose a higher deductible. Here is an example of how this calculation is made.

The information below demonstrates how choosing different deductibles and can change Kia Soul yearly insurance costs for different categories of driver ages. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

Everyone needs different car insurance coverages

Always keep in mind that when comparing the right insurance coverage, there really isn’t a best way to insure your cars. Every insured’s situation is different.

These are some specific questions can aid in determining whether you might need an agent’s assistance.

• How much liability insurance is required?
• Are my friends covered when driving my car?
• Does my policy cover me when driving someone else’s vehicle?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I need an umbrella policy?
• How much coverage applies to personal belongings?
• Is a new car covered when I drive it off the dealer lot?
• Is pet coverage available?
• Is my state a no-fault state?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Independent and exclusive auto insurance agents

Certain consumers would rather have an agent’s advice and doing so can bring peace of mind One of the great benefits of getting online price quotes is you can get the best rates and also buy local.

By using this short form, your information is submitted to local insurance agents in Tulsa who will give competitive quotes for your business. You won’t even need to contact any insurance agencies as quotes are delivered to you directly. You’ll get the best rates without requiring a lot of work. If you have a need to get a price quote from a specific insurance company, you can always navigate to their website and submit a quote form there.

Deciding on an provider needs to be determined by more than just the premium amount. The questions below may impact your decision as well.

• What are the financial ratings for the companies they represent?
• How much can you save by raising your physical damage deductibles?
• Is there a local claims center in Tulsa?
• Do they specialize in personal lines auto insurance in Tulsa?
• Can glass claims be handled at your home?
• What is their Better Business Bureau rating?

If you need to find a local Tulsa insurance agency, there are two different types of agencies and how they can quote your rates. Agents can either be exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

Exclusive insurance agents can only write with one company like American Family, State Farm, and Allstate. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. They are trained well on sales techniques which helps them compete with independent agents. Consumers often use the same exclusive agent primarily because of the brand legacy instead of buying on price only.

Listed below is a short list of exclusive insurance agents in Tulsa who may provide you with comparison quotes.

• Jake Phillip – State Farm Insurance Agent
  5113 S Peoria Ave – Tulsa, OK 74105 – (918) 743-5501 – View Map
• Farmers Insurance – John Neuschwander
  6016 S Memorial Dr – Tulsa, OK 74145 – (918) 576-6180 – View Map
• Jonathan Gibson – State Farm Insurance Agent
  205 E Pine St #102 – Tulsa, OK 74106 – (918) 382-5717 – View Map

More insurance agents

Independent Auto Insurance Agencies

Independent insurance agents can sell policies from many different companies so they can write business with any number of different companies enabling the ability to shop coverage around. If you want to switch companies, your agent can switch companies and the insured can keep the same agent.

When comparing rates, it’s recommended you include price quotes from at a minimum one independent agency to get the best comparison. Many write coverage with companies that do not advertise much that many times have cheaper rates.

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

• Cheapest Auto Insurance
  2646 E 15th St – Tulsa, OK 74104 – (918) 744-5145 – View Map
• GDK Insurance Agency, Inc.
  3908 E 31st St – Tulsa, OK 74135 – (918) 742-5861 – View Map
• Best Insurance Inc.
  1618 W 51st St – Tulsa, OK 74107 – (918) 949-3555 – View Map

More insurance agents

Best auto insurance company in Oklahoma

Buying coverage from the highest-rated car insurance company can be a challenge considering how many companies there are in Oklahoma. The company rank data in the lists below may help you analyze which car insurance providers to look at comparing rates 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

Cheaper insurance is out there

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an insured cut full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

We just showed you some good ideas how you can get a better price on Kia Soul insurance in Tulsa. The most important thing to understand is the more you quote Tulsa car insurance, the higher the chance of saving money. Consumers could even find that the best price on insurance is with a company that doesn’t do a lot of advertising.

People change insurance companies for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, questionable increases in premium or extreme rates for teen drivers. Regardless of your reason, finding a new insurance company can be easy and end up saving you some money.

For more information, link through to these articles:

• Bodily Injury Coverage (Liberty Mutual)
• Who Has the Cheapest Car Insurance for High Risk Drivers in Tulsa? (FAQ)
• What Auto Insurance is Cheapest for Homeowners in Tulsa? (FAQ)
• Who Has Cheap Auto Insurance Rates for Young Drivers in Tulsa? (FAQ)
• Who Has the Cheapest Tulsa Auto Insurance Rates for a Ford Focus? (FAQ)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• Choosing an Insurance Company (Insurance Information Institute)
• Crash Avoidance Technologies FAQ (iihs.org)