The preferred way to get cheaper auto insurance rates in Tulsa is to make a habit of regularly comparing prices from different companies that insure vehicles in Oklahoma. Drivers can shop around by completing these steps.
First, gain an understanding of individual coverages and the things you can change to drop your rates. Many rating criteria that cause rate increases such as accidents, careless driving, and an unacceptable credit rating can be remedied by being financially responsible and driving safely.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Allstate, while agents who are independent can quote rates from multiple companies.
Third, compare the quotes to your existing rates to see if you can save by switching companies. If you find better rates and decide to switch, make sure coverage does not lapse between policies.
Fourth, provide notification to your current agent or company of your intent to cancel the current policy. Submit payment and a completed application to the newly selected company. Once the application is submitted, safely store the certificate of insurance somewhere easily accessible.
One piece of advice is that you use the same physical damage deductibles and liability limits on each quote request and and to analyze all possible companies. Doing this guarantees an apples-to-apples comparison and the most accurate and complete price analysis.
It’s an obvious conclusion that auto insurance companies don’t want you quoting rates from other companies. Consumers who shop around for the cheapest rate will presumably switch to a new company because of the high probability of finding a lower-priced policy. A survey found that consumers who compared price quotes annually saved as much as $3,450 over four years as compared to drivers who never compared rates.
If finding the cheapest rates on car insurance is the reason you’re here, then having an understanding of how to get free comparison quotes and analyze cheaper coverage can make the process more efficient.
The method we recommend to compare rate quotes for Pontiac G8 insurance in Tulsa is to understand most of the larger companies have advanced systems to give free rates quotes. To start a quote, the only thing you need to do is give them rating details such as whether you are married, an estimate of your credit level, if you went to college, and if you have a valid license. That information is instantly sent to many highly-rated insurers and they return cost estimate with very little delay.
To find the cheapest Pontiac G8 insurance rates, click here and enter your coverage details.
The auto insurance companies shown below can provide free quotes in Tulsa, OK. To find cheap auto insurance in Tulsa, we recommend you get prices from several of them in order to get a fair rate comparison.
Discount Tulsa insurance rates
Companies that sell car insurance do not advertise every available discount very clearly, so we took the time to find some of the best known as well as some of the hidden credits available to bring down your rates.
- Pay Early and Save – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
- Safety Course Discount – Passing a class that teaches defensive driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
- Government Employees – Active or retired federal employment may qualify for a discount when you quote Tulsa auto insurance with certain companies.
- Air Bag Discount – Options like air bags may earn rate discounts of more than 20%.
- New Vehicle Savings – Adding a new car to your policy may earn a small discount due to better safety requirements for newer vehicles.
- Military Rewards – Having a family member in the military could qualify you for better premium rates.
- Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education if offered at their school.
- College Student – Any of your kids who live away from home at college and leave their car at home can receive lower rates.
- Accident Free – Tulsa drivers who stay claim-free have much lower rates when compared to bad drivers.
You can save money using discounts, but most discount credits are not given to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So even though you would think all the discounts add up to a free policy, you aren’t that lucky.
Larger insurance companies and some of the discounts are:
- Progressive may offer discounts for continuous coverage, good student, homeowner, online quote discount, multi-policy, and online signing.
- SAFECO may have discounts that include anti-lock brakes, safe driver, anti-theft, homeowner, drive less, and bundle discounts.
- American Family includes discounts for mySafetyValet, Steer into Savings, multi-vehicle, accident-free, air bags, defensive driver, and TimeAway discount.
- MetLife may include discounts for good student, claim-free, good driver, defensive driver, multi-policy, accident-free
- GEICO has discounts for emergency military deployment, multi-policy, seat belt use, good student, and five-year accident-free.
- The Hartford offers discounts including anti-theft, driver training, good student, bundle, defensive driver, and air bag.
If you need the cheapest Pontiac G8 rate quotes, ask every prospective company the best way to save money. A few discounts might not be offered on policies in your area. To view companies with the best discounts in Oklahoma, click here.
Auto insurance just makes sense
Even though Tulsa G8 insurance rates can get expensive, insurance is required in Oklahoma but also provides important benefits.
First, the majority of states have minimum mandated liability insurance limits which means the state requires specific limits of liability insurance if you want to drive legally. 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.
Second, if you bought your Pontiac G8 with a loan, almost every bank will make it a condition of the loan that you buy full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Pontiac at a more expensive rate and require you to fork over for the much more expensive policy.
Third, insurance protects both your Pontiac and your assets. It will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay attorney fees 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 auto insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance definitely exceed the price paid, especially for larger claims. As of last year, the average driver in Oklahoma overpays more than $869 every year so compare rate quotes once a year at a minimum to ensure rates are competitive.
Oklahoma auto insurance companies
Insuring your vehicle with a high-quality insurance provider is difficult considering how many companies are available to choose from in Tulsa. The company information shown next could help you pick which providers to look at shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Compare rate quotes but buy from a local Tulsa insurance agent
Many drivers still like to sit down with an agent and that is a smart decision Agents are highly skilled in risk management and give you someone to call. One of the benefits of price shopping on the web is that you can find cheaper auto insurance rates and still buy from a local agent.
To make it easy to find an agent, after completing this short form, your insurance coverage information is immediately sent to agents in your area that can give you free Tulsa auto insurance quotes to get your business. There is no need to leave your house since rate quotes are delivered to you. If you want to get a price quote for a specific company, you would need to search and find their rate quote page to submit a rate quote request.
Choosing an company should include more criteria than just the premium amount. Agents should be asked these questions:
- What discounts might you be missing?
- Is working in the agency their full-time job?
- Will the quote change when the policy is issued?
- What kind of financial rating does the company have?
- Will the agent or a CSR service your policy?
- How will an accident affect your rates?
- Is the agent CPCU or CIC certified?
If you are searching for a local agent, you should know the types of agencies and how they operate. Car insurance policy providers are categorized either exclusive or independent (non-exclusive). Both sell car insurance policies, but it’s important to point out how they differ since it can affect buying decisions.
Exclusive Insurance Agencies
Agents that choose to be exclusive normally can only provide a single company’s rates and some examples include State Farm, Allstate, and Farm Bureau. They usually cannot compare rates from other companies so they really need to provide good service. Exclusive insurance agents are very knowledgeable on their products and sales techniques which aids in selling service over price.
Below is a short list of exclusive insurance agencies in Tulsa that can give you price quotes.
Beverly Young – State Farm Insurance Agent
7112 S Mingo Rd #102b – Tulsa, OK 74133 – (918) 250-1550 – View Map
Kelly Bell – State Farm Insurance Agent
10030 S Mingo Rd b – Tulsa, OK 74133 – (918) 459-0456 – View Map
Elonda Wicks – State Farm Insurance Agent
5807 S Garnett Rd g – Tulsa, OK 74146 – (918) 252-3313 – View Map
Independent Agents (or Brokers)
Independent agencies are appointed with more than one company and that allows them to write policies with a variety of different insurance companies depending on which coverage is best. If your agent finds better pricing, your policy is moved internally and you won’t have to switch agencies. If you are comparing car insurance prices, you absolutely need to get quotes from a few independent agents to ensure the widest selection of prices.
Shown below are Tulsa independent insurance agencies that can give you comparison quotes.
Mclemore Insurance Inc
6965 S 69th E Ave – Tulsa, OK 74133 – (918) 743-9868 – View Map
Charles G. Harris Insurance
4724 S Union Ave – Tulsa, OK 74107 – (918) 446-4421 – View Map
Access Insurance
6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220 – View Map