Jeep Patriot Insurance Quotes in Tulsa

It’s hard to fathom, but a large majority of consumers kept buying from the same company for at least four years, and virtually 40% of consumers have never compared car insurance rates at all. Drivers in Oklahoma can save hundreds of dollars each year, but they underestimate the benefits if they bought a different policy.

To save the most money, the best way to get budget auto insurance rates is to begin comparing prices regularly from companies in Tulsa.

First, try to comprehend auto insurance and the modifications you can make to keep rates low. Many rating criteria that result in higher rates like high-risk driving behaviors and a not-so-good credit score can be amended by making minor driving habit or lifestyle changes. Continue reading for information to lower rates and find more discounts that you may not know about.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO and State Farm, while independent agencies can provide rate quotes from multiple sources. Begin your rate comparison

Third, compare the new rates to the price on your current policy to see if a cheaper price is available. If you can save some money and decide to switch, verify that coverage does not lapse between policies.

The key thing to know about shopping around is to make sure you enter similar coverage information on each price quote and and to analyze all possible companies. This guarantees the most accurate price comparison and a good representation of prices.

How to compare Jeep Patriot insurance quotes in Tulsa, Oklahoma

It’s important to know that comparing all the rates in your area provides better odds of finding lower pricing.

The companies in the list below offer quotes in Tulsa, OK. If your goal is to find the best cheap auto insurance in Oklahoma, it’s highly recommended you visit as many as you can to get the most competitive price.

Car insurance policy discounts for Jeep Patriot insurance in Tulsa

Car insurance is not an enjoyable expense, but there could be available discounts to help bring down the price. Most are applied when you get a quote, but a few need to be manually applied before you will receive the discount.

• Savings for New Vehicles – Adding a new car to your policy may earn a small discount because newer models are generally safer.
• Government Employee Discount – Employees or retirees of the government could cut as much as 10% off with some car insurance companies.
• E-sign Discounts – Certain car insurance companies will give a small break for buying your policy on your computer.
• Student Discounts – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
• Professional Memberships – Affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on your policy.
• Anti-theft System – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and will qualify for a discount on a Tulsa auto insurance quote.
• Driver Training Discounts – Taking a defensive driver class could possibly earn you a 5% discount if your company offers it.
• No Charge for an Accident – This isn’t a discount exactly, but a few companies such as Allstate, State Farm and GEICO will let one accident slide before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.
• Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts can save up to 15% off the medical payments premium.
• Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from Tulsa and won’t have access to an insured vehicle could get you a discount.

One last thing about discounts, most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as liability and collision coverage. If you do the math and it seems like you could get a free car insurance policy, it just doesn’t work that way.

The example below compares Jeep Patriot premium costs with and without discounts applied to the premium. The rates are based on a female driver, no driving violations, no at-fault accidents, 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 claim-free, multi-policy, safe-driver, marriage, multi-car, and homeowner discounts applied.

If you would like to view insurers with discount car insurance rates in Oklahoma, click here to view.

Facts and figures for Jeep Patriot insurance

The price information below covers different insurance policy prices for Jeep Patriot models. Being more informed about how insurance quotes are formulated can be of help when making decisions when choosing a new policy provider.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can affect insurance rates noticeably.

Choosing deductibles

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The figures shown below can help you understand the price difference of buying low and high physical damage deductibles. The first data table uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in specific zip code location which can modify auto insurance rates considerably.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $41 more each month or $492 every year across all Jeep Patriot models than selecting the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 22 months between claim filings, you would more than likely save some money if you choose a higher deductible.

Driving violations and accidents

The chart below illustrates how traffic citations and at-fault claims impact Jeep Patriot insurance rates for different age groups. The rate quotes are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.

Compare rates but still have a local neighborhood Tulsa car insurance agent

A lot of people just prefer to have an agent’s advice and doing so can bring peace of mind A good thing about getting online price quotes is the fact that you can find lower auto insurance rates and also buy local.

Upon completion of this quick form, the quote information is emailed to insurance agents in Tulsa that give free quotes for your business. You don’t have to leave your house since price quotes are sent straight to your inbox. You’ll get the best rates without having to waste a lot of time. If you want to get a comparison quote for a specific company, you can always go to their quote page and submit a quote form there.

Finding the right provider requires you to look at more than just a cheap quote. These are some valid questions you should ask.

• Does the agency support the community they serve?
• Can glass claims be handled at your home?
• How experienced are they in personal risk management?
• What are the financial ratings for the companies they represent?
• Are you getting all the discounts the company offers?
• Does the agency have a current Errors and Omissions policy?
• Are there any extra charges for paying monthly?

Different types of car insurance agents in Tulsa

If you are searching for a reliable agent, you need to know there are two types of insurance agents and how they can quote your rates. Insurance agencies in Tulsa may be either independent agents or exclusive agents.

Exclusive Car Insurance Agencies

Agents that choose to be exclusive normally can only provide a single company’s rates and examples are State Farm or Allstate. They are unable to compare other company’s rates so they really need to provide good service. Exclusive agents are well trained on the products they sell which helps them sell on service rather than price. Drivers often choose to use a exclusive agent mainly due to the prominent brand name instead of buying on price only.

The following is a list of exclusive agents in Tulsa who can help you get price quotes.

• Cathy Warren – State Farm Insurance Agent
  6119 E 91st St Ste 100 – Tulsa, OK 74137 – (918) 481-6655 – View Map
• Allstate Insurance: David D’Arcangelo
  4502 E 51st St – Tulsa, OK 74135 – (918) 858-5000 – View Map
• George Hazlett – State Farm Insurance Agent
  6043 S Sheridan Rd – Tulsa, OK 74145 – (918) 496-0513 – View Map

View more agents

Independent Agents (or Brokers)

These agents are not required to write business for one company and that allows them to write policies amongst many companies enabling the ability to shop coverage around. If you want to switch companies, they simply move the coverage in-house and you stay with the same agent.

If you need cheaper car insurance rates, you will want to check rates from a few independent agents for maximum quote selection. Most independent agents also contract with mutual insurance companies that can offer cheaper rates than bigger companies.

The following are Tulsa independent insurance agents that can give you rate quotes.

• Cheapest Auto Insurance
  2646 E 15th St – Tulsa, OK 74104 – (918) 744-5145 – View Map
• Access Insurance
  6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220 – View Map
• Tulsa Insurance Gu
  427 South Boston Avenue, 518 – Tulsa, OK 74103 – (918) 574-6262 – View Map

View more agents

Once you have received good answers to any questions you have as well as offering an affordable quote, you may have just found a car insurance agent that is professional and can properly service your car insurance policy.

You may need specialized insurance coverage

When selecting coverage for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether you might need professional guidance.

• What is GAP insurance?
• Should I buy additional glass protection?
• Why am I be forced to buy a membership to get insurance from some companies?
• Who sells insurance for high-risk drivers?
• Do I need roadside assistance coverage?
• What are the best liability limits?
• Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance is not optional

Even though Tulsa Patriot insurance rates can get expensive, maintaining insurance serves several important purposes.

• Almost all states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability insurance in order to get the vehicle licensed. 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 your vehicle has a loan, most banks will stipulate that you buy full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank or lender will purchase a policy for your Jeep for a much higher rate and require you to fork over a much higher amount than you were paying before.
• Insurance protects both your assets and your vehicle. It will also reimburse you for medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers legal expenses if you are named as a defendant in an auto accident. If you have damage to your Jeep as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying auto insurance greatly outweigh the cost, especially for larger claims. Despite what companies tell you, the average driver is wasting up to $865 each year so compare rate quotes once a year at a minimum to help ensure money is not being wasted.

Car insurance coverage information

Learning about specific coverages of auto insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Patriot.

Since a lot of drivers carry very low liability coverage limits (25/50/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Auto collision coverage

Collision insurance will pay to fix damage to your Patriot resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible on your Patriot to get cheaper collision coverage.

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, damage from getting keyed, damage from a tornado or hurricane, a broken windshield and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

Liability coverage will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like legal defense fees, repair bills for other people’s vehicles, emergency aid and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible. Oklahoma requires minimum liability limits of 25/50/25 but you should think about purchasing higher limits.

The chart below demonstrates why buying low liability limits may not provide adequate coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as prosthetic devices, chiropractic care and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Cheap car insurance rates are possible

Drivers leave their current company for a number of reasons such as being labeled a high risk driver, high prices, questionable increases in premium and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new company can be pretty painless.

You just read many ways to compare Jeep Patriot insurance rates in Tulsa. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising.

When you buy Tulsa auto insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big mistake. Your goal should be to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

Additional information can be found at these links:

• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Who Has Cheap Auto Insurance Rates for Young Drivers in Tulsa? (FAQ)
• What Insurance is Cheapest for Low Mileage Drivers in Tulsa? (FAQ)
• How Much are Tulsa Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
• How Much are Auto Insurance Rates for Uber Drivers in Tulsa? (FAQ)
• Where can I buy Insurance? (Insurance Information Institute)
• Tools for Teen Driving Safety (State Farm)
• Safety Features for Your New Car (State Farm)
• Teen Driving Statistics (GEICO)