Everyone knows that car insurance companies don’t want you to look at other companies. People who shop around annually will, in all likelihood, switch insurance companies because there is a significant possibility of finding a policy with more affordable rates. A survey found that people who regularly compared price quotes saved over $70 a month compared to those who don’t regularly compare prices.
If finding the cheapest price on car insurance is your goal, then having an understanding of how to shop and compare insurance rates can help you succeed in saving money.
To save the most money, the best way to find low-cost Nissan Altima insurance is to begin comparing prices regularly from different companies in Tulsa.
- Step 1: Take a little time to learn about policy coverages and the changes you can make to prevent expensive coverage. Many things that increase rates like inattentive driving and poor credit history can be improved by making minor changes in your lifestyle. Keep reading for more details to get cheaper rates and get additional discounts that may be available.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while independent agents can provide price quotes from multiple sources.
- Step 3: Compare the price quotes to your existing policy to see if you can save by switching companies. If you can save money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Provide notification to your current company to cancel the current policy. Submit the application along with any required down payment for the new policy. Make sure you put the new certificate verifying coverage above your visor, in the console, or in the glove compartment.
An important bit of advice to remember is that you use the same deductibles and limits on each quote request and and to get rates from as many car insurance companies as possible. Doing this guarantees an accurate price comparison and a complete rate analysis.
If you are already insured or just want to save money, use these tips to find the best rates and still have adequate protection. Locating the most cost-effective insurance policy in Tulsa is actually quite easy if you know where to start. You just have to know the most effective way to compare different rates from multiple carriers.
Low Cost car insurance in Tulsa, OK
The car insurance companies shown below offer quotes in Oklahoma. If you wish to find cheap auto insurance in OK, we suggest you get prices from several of them to find the most competitive car insurance rates.
Data for Nissan Altima insurance
The rate information shown below outlines detailed analysis of coverage costs for Nissan Altima models. Learning how auto insurance prices are determined is important for making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $184 | $360 | $470 | $28 | $140 | $1,182 | $99 |
| Altima 2.5 S 4-Dr Sedan | $184 | $424 | $470 | $28 | $140 | $1,246 | $104 |
| Altima Hybrid 4-Dr Sedan | $208 | $424 | $470 | $28 | $140 | $1,270 | $106 |
| Altima 2.5 S 2-Dr Coupe | $208 | $424 | $532 | $32 | $160 | $1,356 | $113 |
| Altima 3.5 SR 4-Dr Sedan | $208 | $424 | $470 | $28 | $140 | $1,270 | $106 |
| Altima 3.5 SR 2-Dr Coupe | $208 | $488 | $532 | $32 | $160 | $1,420 | $118 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific garaging location which can alter rates noticeably.
Physical damage deductible comparison
When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The premium rates below help summarize the price difference when you select higher and lower physical damage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $386 | $698 | $448 | $26 | $134 | $1,717 | $143 |
| Altima 2.5 S 4-Dr Sedan | $386 | $822 | $448 | $26 | $134 | $1,841 | $153 |
| Altima Hybrid 4-Dr Sedan | $436 | $822 | $448 | $26 | $134 | $1,891 | $158 |
| Altima 2.5 S 2-Dr Coupe | $436 | $822 | $506 | $30 | $152 | $1,971 | $164 |
| Altima 3.5 SR 4-Dr Sedan | $436 | $822 | $448 | $26 | $134 | $1,891 | $158 |
| Altima 3.5 SR 2-Dr Coupe | $436 | $946 | $506 | $30 | $152 | $2,095 | $175 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $214 | $368 | $448 | $26 | $134 | $1,190 | $99 |
| Altima 2.5 S 4-Dr Sedan | $214 | $432 | $448 | $26 | $134 | $1,254 | $105 |
| Altima Hybrid 4-Dr Sedan | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| Altima 2.5 S 2-Dr Coupe | $242 | $432 | $506 | $30 | $152 | $1,362 | $114 |
| Altima 3.5 SR 4-Dr Sedan | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| Altima 3.5 SR 2-Dr Coupe | $242 | $498 | $506 | $30 | $152 | $1,428 | $119 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium amounts do not factor in specific zip code location which can influence price quotes significantly.
We can derive from the above data that using a $100 deductible will cost in the ballpark of $50 more each month or $600 every year averaged for all Altima models than selecting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 18 months between claims, you would save money by going with a higher deductible. The table below illustrates an example of how this calculation is made.
| Average monthly premium for $100 deductibles: | $159 |
| Average monthly premium for $1,000 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $50 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $50 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
The information below highlights how deductible choice and can influence Nissan Altima yearly insurance costs for each age group. The premium estimates are based on a married female driver, comp and collision included, and no additional discounts are factored in.
Should you buy full coverage?
The information below illustrates the comparison of Nissan Altima auto insurance rates with full coverage and liability only. The data is based on no tickets, no at-fault accidents, $250 deductibles, single status, and no discounts are factored in.
Should you pay for full coverage?
There is no exact rule for eliminating physical damage coverage, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Nissan Altima settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after paying the physical damage deductible. If it’s costing in excess of $300 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are some cases where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.
Cheaper Tulsa car insurance rates with discounts
Companies offering auto insurance don’t always publicize every policy discount very well, so we took the time to find both the well known and the harder-to-find car insurance savings.
- Sign Early and Save – Select insurance companies give a discount for buying a policy early. You may see this discount when you get Tulsa car insurance quotes online.
- ABS and Traction Control Discounts – Vehicles with ABS and/or traction control can reduce accidents and will save you 10% or more on Altima insurance in Tulsa.
- Savings for New Vehicles – Insuring a new Altima can cost up to 25% less because newer models keep occupants safer.
- Own a Home – Just being a homeowner can save you money because maintaining a house shows financial diligence.
- Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class in school or through a local driver safety program.
- Military Deployment Discount – Being on active deployment in the military could qualify you for better rates.
- Onboard Data Collection – Insureds that choose to allow their company to monitor driving habits through the use of a telematics system like Allstate’s Drivewise might get better premium rates if they show good driving skills.
- Defensive Driving Course – Successfully completing a safe driver class could save 5% or more if your company offers it.
- Paperwork-free – Many companies may give you up to $50 get Tulsa car insurance online.
Don’t be shocked that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like medical payments or collision. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will definitely lower your policy premiums.
The diagram below shows the difference between Nissan Altima annual premium costs with and without discounts applied to the policy premium. The rates are based on a male driver, no claims, a clean driving record, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, claim-free, and safe-driver discounts applied.
To view providers offering car insurance discounts in Oklahoma, follow this link.
Local Tulsa auto insurance agents and car insurance
Certain consumers just prefer to get advice from a local agent and there is nothing wrong with that. Professional agents can help determine the best coverages and help submit paperwork. An additional benefit of comparing insurance prices online is the fact that drivers can get cheap car insurance rates and still have a local agent.
After filling out this simple form, your information is emailed to companies in Tulsa that can provide free Tulsa car insurance quotes for your car insurance coverage. You won’t need to contact any insurance agencies because prices are sent directly to you. In the event you want to compare rates from a specific company, just find their quoting web page and submit a quote form there.
Finding the right insurer requires more thought than just the quoted price. Some important questions to ask are:
- Has the agent ever had any license suspensions?
- Does the company have a solid financial rating?
- How long has their agency been open in Tulsa?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they assist clients in filing claims?
If you prefer to buy car insurance from a reliable agent, it’s important to understand the different types of agents that differ in how they can insure your vehicles. Agencies in Tulsa can be described as either exclusive or independent (non-exclusive). Both types of agents can do a good job, but it is important to understand why they differ since it could factor into which type of agent you select.
Exclusive Car Insurance Agencies
Agents of this type can only write with one company such as State Farm, AAA, and Liberty Mutual. They are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive insurance agents are usually quite knowledgeable on the products they sell and that can be a competitive advantage.
The following is a short list of exclusive insurance agents in Tulsa that can give you price quotes.
Gail Boyce – State Farm Insurance Agent
6149 S Peoria Ave – Tulsa, OK 74136 – (918) 747-6866 – View Map
George Hazlett – State Farm Insurance Agent
6043 S Sheridan Rd – Tulsa, OK 74145 – (918) 496-0513 – View Map
GEICO Insurance Agent
8353 S Memorial Dr – Tulsa, OK 74133 – (918) 384-0707 – View Map
Independent Agents (or Brokers)
Independent insurance agents are not limited to a single company so they can write business through lots of different companies and get the cheapest rates. If premiums increase, they simply move your policy to a different company and you don’t have to do anything.
If you are trying to find cheaper rates, you need to include rate quotes from a couple of independent agencies to maximize your price options.
Below are Tulsa independent agents that are able to give price quote information.
Admiral Insurance Agency
6710 E Admiral Pl – Tulsa, OK 74115 – (918) 836-5551 – View Map
GDK Insurance Agency, Inc.
3908 E 31st St – Tulsa, OK 74135 – (918) 742-5861 – View Map
Scott Mccoy Insurance Agency, Inc.
7030 S Yale Ave Suite #109 – Tulsa, OK 74136 – (918) 894-5551 – View Map
Upon getting good responses to any questions you have in addition to an acceptable price estimate, it’s a good possibility that you have found an insurance agent that meets the criteria to service your policy.
How to find a good Tulsa car insurance company
Picking a highly-rated auto insurance company can be difficult considering how many companies there are in Oklahoma. The ranking information in the lists below can help you choose which providers to look at when shopping your coverage around.
Top 10 Tulsa Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Tulsa Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Cheaper insurance is a realistic goal
Discount Nissan Altima insurance in Tulsa can be found on the web in addition to many Tulsa insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through independent insurance agencies.
While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. In too many instances, consumers will sacrifice physical damage coverage only to regret that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage at the best cost while still protecting your assets.
Additional information is available at the links below
- Bodily Injury Coverage (Liberty Mutual)
- How Much is Car Insurance for Drivers with Bad Credit in Tulsa? (FAQ)
- What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Tulsa? (FAQ)
- Who Has Affordable Car Insurance Rates for Low Credit Scores in Tulsa? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)
- Understanding your Policy (NAIC.org)