Truthfully, the best way to find cheaper quotes for Jaguar XJ insurance in Tulsa is to annually compare prices from insurers who provide car insurance in Oklahoma.
- Gain an understanding of individual coverages and the modifications you can make to prevent expensive coverage. Many things that drive up the price such as at-fault accidents, careless driving, and an imperfect credit history can be controlled by making minor changes to your lifestyle.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO or Allstate, while independent agencies can provide prices from multiple insurance companies.
- Compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you can save money, verify that coverage does not lapse between policies.
A good tip to remember is to use the same amount of coverage on every price quote and and to look at as many car insurance companies as possible. Doing this ensures a level playing field and the most accurate and complete price analysis.
Amazingly, a recent NerdWallet.com study showed that most car insurance customers have stayed with the same insurance company for over three years, and almost half have never compared car insurance rates at all. Many drivers in Tulsa can cut their rates by up to $600 a year by just comparing quotes, but they don’t want to take the time to compare rate quotes online.
If you currently have a car insurance policy, you stand a good chance to be able to save money using the ideas covered in this article. Quoting and comparing the best-priced car insurance policy in Tulsa is simple if you know the tricks. But Oklahoma drivers do need to learn how the larger insurance companies price insurance differently because it varies considerably.
To find cheaper rates, there are a couple of ways of comparing rate quotes from many different Oklahoma insurance companies. The recommended way to do a complete rate comparison is to get quotes online.
Just remember that obtaining a wide range of quotes gives you a better chance of getting the best price.
The auto insurance companies shown below are our best choices to provide comparison quotes in Oklahoma. In order to find cheap car insurance in Tulsa, we suggest you compare several of them in order to find the lowest rates.
Choosing the best XJ insurance in Oklahoma is an important decision
Even though Tulsa XJ insurance rates can get expensive, buying car insurance may be required for several reasons.
- The majority of states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability insurance coverage in order to license the vehicle. 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, most lenders will make it mandatory that you have insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender will be forced to insure your Jaguar at a more expensive rate and force you to pay the higher premium.
- Insurance safeguards both your assets and your vehicle. Insurance will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your car outweigh the cost, especially if you ever need it. But the average driver in Oklahoma overpays as much as $825 a year so it’s recommended you shop around at every renewal to ensure rates are competitive.
Insurance rate breakdown
The rate table shown next showcases estimates of coverage prices for Jaguar XJ models. Being aware of how car insurance premiums are formulated is important for making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XJ SWB 4-Dr Sedan | $452 | $980 | $470 | $28 | $140 | $2,070 | $173 |
| XJ LWB 4-Dr Sedan | $490 | $1082 | $470 | $28 | $140 | $2,210 | $184 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in specific Tulsa garaging location which can decrease or increase coverage rates noticeably.
The chart below shows how different deductible levels and can impact Jaguar XJ insurance premiums for each different age group. The information is based on a single female driver, full coverage, and no policy discounts are applied.
Does it make sense to buy full coverage?
The diagram below illustrates the comparison of Jaguar XJ insurance premiums when comparing full coverage to liability only. The data is based on no accidents or driving violations, $250 deductibles, marital status is single, and no discounts are taken into consideration.
When to stop buying comprehensive and collision coverage
There is no definitive formula of when to drop physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s pretend your Jaguar XJ settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $3,000 after paying the physical damage deductible. If you are currently paying more than $300 annually to have full coverage, then you might want to think about dropping full coverage.
There are some situations where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage.
Insurance discounts help lower rates for Jaguar XJ insurance in Tulsa
Companies that sell car insurance don’t list all discounts in a way that’s easy to find, so the next list breaks down a few of the more well known as well as the least known insurance savings. If you aren’t receiving every discount available, you could be paying more than you need to.
- Clubs and Organizations – Being a member of a civic or occupational organization in Tulsa is a simple method to lower premiums when getting a Tulsa car insurance quote.
- Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles on one policy can reduce rates for all insured vehicles.
- Driver Training Discounts – Taking part in a safe driver course could cut 5% off your bill and easily pay for the cost of the class.
- Low Mileage Discounts – Driving less could qualify for cheaper premium rates.
- E-sign Discounts – Certain companies will provide an incentive for signing up online.
- Student in College – Older children who are enrolled in a college that is more than 100 miles from Tulsa and do not have a car could qualify for this discount.
Remember that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, you aren’t that lucky.
The information below illustrates the comparison of Jaguar XJ car insurance costs with and without discounts applied. The prices are based on a female driver, no accidents or driving violations, Oklahoma state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, multi-car, claim-free, and homeowner discounts applied.
A list of insurance companies and a summarized list of policyholder discounts are included below.
- GEICO offers premium reductions for emergency military deployment, defensive driver, anti-lock brakes, seat belt use, membership and employees, and multi-policy.
- Travelers includes discounts for save driver, payment discounts, new car, hybrid/electric vehicle, and home ownership.
- Farm Bureau offers discounts including multi-vehicle, multi-policy, youthful driver, safe driver, 55 and retired, and good student.
- Liberty Mutual may have discounts that include multi-policy, good student, new graduate, multi-car, and teen driver discount.
- American Family discounts include defensive driver, bundled insurance, mySafetyValet, Steer into Savings, TimeAway discount, and multi-vehicle.
- Progressive has discounts for multi-policy, online quote discount, continuous coverage, homeowner, multi-vehicle, and online signing.
Check with every prospective company to apply every possible discount. Savings may not apply to policyholders everywhere. To see a list of companies that offer some of these discounts in Oklahoma, click here.
Are car insurance agents of importance?
A small number of people just want to buy from a local agent and there is nothing wrong with that. One of the great benefits of comparing insurance prices online is you can get better rates but also keep your business local.
After filling out this quick form, your coverage information is submitted to local insurance agents who will return price quotes to get your business. It’s much easier because you don’t need to drive around due to the fact that quote results will go to you directly. You can find better rates and an insurance agent to talk to. If you want to compare prices from a specific company, don’t hesitate to go to their quote page and fill out the quote form the provide.
Finding the right insurance company is decision based upon more than just the bottom line cost. Get answers to these questions too.
- Is working in the agency their full-time job?
- Do they regularly work with personal auto policies in Tulsa?
- Are claims handled at the agent’s location?
- How much will you save each year by using a higher deductible?
- Do the coverages you’re quoting properly cover your vehicle?
- Where would glass claims be handled in Tulsa?
If you want a reliable insurance agency, you need to know there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Tulsa can be classified as either independent agents or exclusive agents depending on their employer.
Exclusive Auto Insurance Agencies
Exclusive agencies can only place business with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They are unable to provide prices from multiple companies so keep that in mind. Exclusive agents receive extensive training on what they offer which helps them compete with independent agents. Consumers frequently buy from the same agent for years mainly due to the brand name and the convenience of having all coverages with one company.
The following is a short list of exclusive insurance agencies in Tulsa who can help you get rate quotes.
- Cathy Warren – State Farm Insurance Agent
6119 E 91st St Ste 100 – Tulsa, OK 74137 – (918) 481-6655 – View Map - Gail Boyce – State Farm Insurance Agent
6149 S Peoria Ave – Tulsa, OK 74136 – (918) 747-6866 – View Map - Beverly Young – State Farm Insurance Agent
7112 S Mingo Rd #102b – Tulsa, OK 74133 – (918) 250-1550 – View Map
Independent Agents (or Brokers)
Independent insurance agents often have many company appointments so they can insure your vehicles through many different auto insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies.
If you need cheaper auto insurance rates, you absolutely need to get insurance quotes from multiple independent agents to have the best price comparison. Most have the option of insuring with different regional companies which may have better rates.
Shown below is a list of independent insurance agents in Tulsa that are able to give price quote information.
- Glass Insurance Agency, Inc
4500 S Garnett Rd #914 – Tulsa, OK 74146 – (918) 663-5314 – View Map - Rooney Insurance Agency, Inc.
4700 S Garnett Rd #200 – Tulsa, OK 74146 – (918) 582-0565 – View Map - Scott Mccoy Insurance Agency, Inc.
7030 S Yale Ave Suite #109 – Tulsa, OK 74136 – (918) 894-5551 – View Map
Persistence is the key to affordable rates
When searching for low cost Tulsa car insurance quotes, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an insured cut liability limits or collision coverage and found out when filing a claim that it was a big mistake. The aim is to get the best coverage possible for the lowest cost, but do not skimp to save money.
Insureds change insurance companies for any number of reasons including high prices, policy cancellation, denial of a claim and even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new auto insurance company can be easier than you think.
We just showed you some good ideas how you can lower your Jaguar XJ insurance prices in Tulsa. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the lowest prices come from a smaller regional carrier.
Even more information can be found in these articles:
- Coverage Information (Progressive Insurance)
- Who Has Affordable Auto Insurance for Drivers Requiring a SR22 in Tulsa? (FAQ)
- Who Has Affordable Auto Insurance for a Ford Escape in Tulsa? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Retired Military in Tulsa? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)