If you want to find the absolute lowest rates, then the best way to find discount car insurance rates is to compare prices regularly from insurance carriers who provide auto insurance in Tulsa. Drivers can shop around by following these steps.
Step 1: Spend some time learning about car insurance and the changes you can make to keep rates down. Many risk factors that result in higher prices like at-fault accidents and an imperfect credit rating can be controlled by making minor changes in your lifestyle. Continue reading for more information to help reduce premium rates and find overlooked discounts.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of companies.
Step 3: Compare the new rates to your existing policy to see if switching to a new carrier will save money. If you find better rates and decide to switch, make sure coverage does not lapse between policies.
Step 4: Provide notification to your current company to cancel your current policy. Submit the application along with any required down payment for your new coverage. As soon as you have the new policy, store the certificate verifying coverage above your visor, in the console, or in the glove compartment.
One key aspect when comparing rates is that you’ll want to make sure you compare the same level of coverage on every price quote and and to get prices from every company you can. This ensures a fair price comparison and the best price selection.
It goes without saying that auto insurance companies want to keep you from comparing rates. Insureds who shop for lower rates will probably switch to a new company because they have good chances of finding good coverage at a lower price. A recent study showed that drivers who shopped around annually saved over $3,450 over four years as compared to drivers who never shopped around for better prices.
If finding discount rates on car insurance in Tulsa is the reason for your visit, then having a good understanding the best ways to find and compare cheaper coverage can make it easier to shop your coverage around.
When comparison shopping, there are several ways to compare rate quotes from different Tulsa insurance companies. The simplest method to comparison shop involves getting comparison quotes online. When comparing insurance rates, know that more quotes increases the chance that you will find more affordable insurance.
The following companies provide free quotes in Oklahoma. If your goal is to find the best cheap auto insurance in Tulsa, OK, we recommend you visit as many as you can to get the cheapest price.
Auto insurance does more than just protect your car
Despite the potentially high cost of Buick Rendezvous insurance, insuring your vehicle serves several important purposes.
First, most states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability insurance coverage in order to drive the car 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 took out a loan on your vehicle, most banks will force you to buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Buick at a much higher premium rate and require you to fork over much more than you were paying before.
Third, insurance protects not only your car but also your financial assets. It will also provide coverage for many types of medical costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of insuring your Rendezvous are without a doubt worth the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is currently overpaying as much as $869 every year so compare quotes from several companies at every policy renewal to help ensure money is not being wasted.
What Determines Buick Rendezvous Insurance Premiums?
Multiple criteria are part of the calculation when quoting car insurance. Most are fairly basic like your driving record, although others are less obvious like where you live or your financial responsibility.
The list below includes a few of the “ingredients” utilized by car insurance companies to help set your rate level.
- Where you live can modify prices – Residing in small towns and rural areas is a positive aspect when buying auto insurance. Less people means a lower chance of having an accident and a lower car theft rate. Residents of big cities have to deal with more traffic problems and higher rates of accident claims. Spending more time driving means a statistically higher chance of an accident.
- Are you male or female? – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that males are worse at driving than females. Women and men have at-fault accidents at about the same rate, but males get into accidents with more damage. They also get more serious tickets like DWI (DUI) or reckless driving.
- Drivers with high credit save – Credit score can be an important factor in calculating your auto insurance rates. People that have excellent credit tend to be more responsible than drivers with bad credit. If your credit can use some improvement, you may save money insuring your Buick Rendezvous by spending a little time repairing your credit.
- Safer the car lower the rate – Safe vehicles are cheaper to insure. The safest vehicles protect occupants better and fewer serious injuries translates directly to fewer claims and lower rates for you. If your Buick Rendezvous scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
Get cheaper Buick Rendezvous insurance in Tulsa with discounts
Companies that sell car insurance don’t always advertise all available discounts very well, so the list below details a few of the more common and the harder-to-find credits available to bring down your rates. If you’re not getting every credit possible, it’s possible you qualify for a lower rate.
- Driving Data Discount – Policyholders that allow driving data collection to look at driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
- Bundled Policy Discount – When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
- Lower Rates for Military – Being deployed in the military can result in better premium rates.
- Life Insurance – Companies who offer life insurance give a discounted price on car insurance if you buy life insurance from them.
- Discount for Low Mileage – Maintaining low annual mileage may allow you to get lower prices on the low mileage vehicles.
A little disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it appears you would end up receiving a 100% discount, that’s just not realistic.
To choose providers who offer cheap Buick Rendezvous insurance quotes in Tulsa in Tulsa, click this link.
Auto insurance quotes from neighborhood Tulsa auto insurance agents
Many drivers prefer to visit with an insurance agent and that can be a great decision A good thing about price shopping on the web is the fact that you can find cheap rate quotes and also buy local. And providing support for local insurance agencies is especially important in Tulsa.
To make it easy to find an agent, after completing this short form, your information is submitted to local insurance agents who will give you bids for your auto insurance coverage. You don’t have to search for an agent as quotes are delivered to the email address you provide. You can most likely find cheaper rates and a licensed agent to work with. If you have a need to get a rate quote from one company in particular, you would need to navigate to their website and complete a quote there.
If you prefer to buy auto insurance from a local insurance agency, you must know there are a couple different types of agencies and how they differ in how they can insure your vehicles. Auto insurance policy providers are considered either exclusive or independent.
Independent Agencies or Brokers
Agents of this type do not work for one specific company so they can insure your vehicles with a variety of different insurance companies depending on which coverage is best. If they find a cheaper price, they simply switch companies in-house and the insured can keep the same agent.
If you are comparing auto insurance prices, we recommend you check rates from at least one independent agent in order to compare the most rates. Most also write with small mutual carriers which could offer lower prices.
Featured below are Tulsa independent agencies who may provide pricing information.
- Louis Blosch Agency
9726 E 42nd St #210 – Tulsa, OK 74146 – (918) 664-7100 – View Map - Access Insurance
6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220 – View Map - Sawyer-Phillips and Associates, Inc.
6666 S Sheridan Rd #220 – Tulsa, OK 74133 – (918) 794-4000 – View Map
Exclusive Auto Insurance Agents
Exclusive agencies work for only one company such as State Farm, Allstate, and Farm Bureau. They usually cannot shop your coverage around so they have no alternatives for high prices. Exclusive agents receive extensive training on their company’s products which helps them sell on service rather than price. A lot of people purchase coverage from exclusives mostly because of the prominence of the brand and solid financial strength.
Listed below is a short list of exclusive insurance agencies in Tulsa that are able to give comparison quotes.
- Allstate Insurance: Rick Block
5420 S Harvard Ave – Tulsa, OK 74135 – (918) 299-1222 – View Map - Janine Billings – State Farm Insurance Agent
4401 S Peoria Ave A – Tulsa, OK 74105 – (918) 747-9555 – View Map - State Farm: Ron Lockney
2828 E 91st St – Tulsa, OK 74137 – (918) 298-5444 – View Map
Deciding on a car insurance agent is decision based upon more than just the bottom line cost. Any agent in Tulsa should be willing to answer these questions.
- Do they have 24-hour customer assistance?
- Is the agent and/or agency licensed to do business in Oklahoma?
- Can they provide you with a list of referrals?
- Will they make sure you get an adequate claim settlement?
- Do they make recommendations based only on price?
- Is insurance their full-time profession?
- How much will you save each year by using a higher deductible?
Tulsa car insurance companies ranked
Insuring your vehicle with a high-quality auto insurance provider can be rather challenging considering how many different companies insure vehicles in Tulsa. The information displayed below could help you analyze which coverage providers you want to consider comparing rates 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
How much can you save?
When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an insured cut physical damage coverage only to regret they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.
Consumers who switch companies do it for many reasons like high prices, delays in responding to claim requests, questionable increases in premium or policy cancellation. Whatever your reason, finding a new company can be pretty painless.
We covered many ways to compare Buick Rendezvous insurance rates in Tulsa. The most important thing to understand is the more quotes you get, the better your comparison will be. Drivers may even discover the best price on auto insurance is with a lesser-known regional company.
More information can be read on the following sites:
- Credit Impacts Car Insurance Rates (State Farm)
- How Much is Tulsa Car Insurance for a Hyundai Elantra? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Neck Injury FAQ (iihs.org)