Anyone knows that car insurance companies don’t want you to compare rates. Drivers who compare other rates will probably move their business because of the good chance of finding more affordable rates. Remarkably, a study showed that people who shopped around every year saved as much as $72 a month compared to other drivers who never shopped for cheaper rates.
If finding budget-friendly auto insurance is your intention, then learning about the best ways to find and compare insurance can make it easier for you to save money.
If your goal is the lowest price, then the best way to get low-cost auto insurance rates is to start comparing rates regularly from insurers who sell auto insurance in Tulsa.
- Take a little time to learn about what is in your policy and the measures you can take to keep rates in check. Many policy risk factors that are responsible for high rates such as speeding tickets, careless driving and a bad credit rating can be controlled by making minor changes to your lifestyle.
- Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can provide rate quotes for many different companies.
- Compare the price quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote, ensure coverage does not lapse between policies.
A valuable tip to remember is that you’ll want to compare the same level of coverage on every price quote and and to get price estimates from every company you can. Doing this enables a fair rate comparison and the best price selection.
If you are already insured, you will most likely be able to buy cheaper insurance using these techniques. This information will teach you a little about the most effective ways to compare rates and also save some money in the process But Oklahoma consumers should learn how insurance companies determine what you pay because it can help you find the best coverage.
When comparison shopping, there are several ways of comparing rates from different Tulsa insurance companies. The best method to find affordable insurance rates involves getting comparison quotes online. When comparison shopping, making a lot of price comparisons will increase your chances of finding a lower rate than you’re paying now. Some regional insurers cannot provide Tulsa Eos insurance quotes online, so it’s necessary to compare price quotes from the smaller companies as well.
The companies shown below provide comparison quotes in Tulsa, OK. To buy the cheapest car insurance in Tulsa, OK, it’s highly recommended you visit several of them in order to find the cheapest rates.
Volkswagen Eos insurance coverage information
The rate information displayed next highlights different insurance prices for Volkswagen Eos models. Having insight into how insurance quotes are figured can assist in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EOS Komfort Turbo 2-Dr Convertible | $376 | $778 | $584 | $34 | $174 | $1,946 | $162 |
| EOS Luxury Turbo 2-Dr Convertible | $376 | $778 | $584 | $34 | $174 | $1,946 | $162 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific Tulsa garaging location which can decrease or increase price quotes noticeably.
Physical damage deductible comparison
One frequently asked question is how high should the deductibles for physical damage be. The rates below can help you visualize the rate fluctuation when you choose different comp and collision deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EOS Komfort Turbo 2-Dr Convertible | $392 | $688 | $448 | $26 | $134 | $1,713 | $143 |
| EOS Luxury Turbo 2-Dr Convertible | $392 | $688 | $448 | $26 | $134 | $1,713 | $143 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EOS Komfort Turbo 2-Dr Convertible | $318 | $554 | $448 | $26 | $134 | $1,480 | $123 |
| EOS Luxury Turbo 2-Dr Convertible | $318 | $554 | $448 | $26 | $134 | $1,480 | $123 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in your specific Tulsa location which can modify premiums significantly.
Based on this data, using a $250 deductible will cost you about $20 more each month or $240 for a full year averaged for all Eos models than quoting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at least 13 months between claim filings, you would more than likely save some money if you choose the higher deductible.
The example below illustrates how choosing a deductible and can increase or decrease Volkswagen Eos insurance costs for each different age group. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Gender-based car insurance premiums in Tulsa
The illustration below visualizes the comparison of Volkswagen Eos yearly insurance costs for male and female drivers. The costs are based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are factored in.
Three reasons to not skimp on car insurance
Despite the potentially high cost of Volkswagen Eos insurance, insurance is required in Oklahoma but it also protects you in many ways.
First, almost all states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability insurance coverage if you drive a 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.
Second, if you have a loan on your Eos, it’s most likely the lender will require that you have insurance to guarantee loan repayment. If you let the policy lapse, the lender may insure your Volkswagen at a much higher premium rate and force you to pay for the much more expensive policy.
Third, insurance safeguards both your Volkswagen and your personal assets. It will also pay for medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance are without a doubt worth the cost, especially when you need to use it. Despite what companies tell you, the average driver is overpaying more than $750 every year so you should quote and compare rates at least once a year to be sure current rates are still competitive.
You Can Change Your Insurance Rates
Part of the auto insurance buying process is learning the factors that help calculate your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you cheaper rates.
Listed below are some of the most rate-impacting factors auto insurance companies consider when setting your rates.
- Prices increase with policy add-ons – Insurance policies have a lot of optional add-on coverages that sound like a good idea at the time if you don’t pay attention. Coverages like roadside assistance, accident forgiveness, and Farm Bureau memberships may be wasting your money. They may seem good when you first buy your policy, but now you might not need them so consider taking them off your policy.
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Lower performance equals lower insurance prices – The type of car you need to insure makes a huge difference in your premium level. The lowest performance passenger cars generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
The chart below uses these variables: single female driver age 30, full coverage with $250 deductibles, and no discounts or violations. The data compares Volkswagen Eos insurance premiums compared to other models that have different performance risks.
- Cheaper rates after marriage – Your spouse helps lower the price on your auto insurance bill. It means you’re more mature and responsible and insurance companies reward insureds because married drivers get in fewer accidents.
- Liability coverage limits are a factor – A critical coverage on your policy, liability insurance will afford coverage if ever you are responsible for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. It is affordable coverage compared to other policy coverages, so drivers should carry high limits.
- Know your vehicle’s IIHS safety rating – Vehicles that have high safety ratings get lower rates. The safest vehicles have better occupant injury protection and fewer serious injuries means less claims paid and more competitive rates for policyholders.
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Volkswagen Eos insurance loss statistics – Insurance companies study historical loss data as a way to help calculate a profitable premium rate. Models that the statistics show to have higher number or severity of losses will have a higher premium rate.
The next table shows the compiled insurance loss statistics for Volkswagen Eos vehicles. For each coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is equal to 100. Numbers under 100 are indicative of better than average losses, while numbers above 100 point to more losses or a tendency for losses to be larger than average.
Car Insurance Loss Data for Volkswagen Eos Models Specific Volkswagen Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Volkswagen Eos Convertible 88 77 78 76 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Get cheaper Volkswagen Eos insurance in Tulsa with discounts
Some insurance providers do not advertise every possible discount very well, so below is a list some of the best known and also the more inconspicuous discounts that you can inquire about if you buy Tulsa car insurance online.
- Payment Method – If you pay your bill all at once instead of paying each month you can actually save on your bill.
- Theft Deterrent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
- Tulsa Homeowners Pay Less – Just owning your own home can get you a discount because it demonstrates responsibility.
- Student Driver Training – Teen drivers should participate in a local driver’s education class in high school.
- Good Student Discount – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
- Government Employee Discount – Being employed by or retired from a federal job can earn a discount up to 10% depending on your car insurance provider.
- New Car Discount – Buying car insurance coverage on a new vehicle is cheaper since newer vehicles have better safety ratings.
- Bundle and Save – If you have multiple policies and insure them with the same company they may give you a discount of approximately 10% to 15%.
- Telematics Devices – Insureds that choose to allow their car insurance company to scrutinize when and where they use their vehicle by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if their driving habits are good.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, insurance companies wouldn’t stay in business.
The chart below illustrates the difference between Volkswagen Eos yearly insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, a clean driving record, no claims, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, safe-driver, and multi-car discounts applied.
A list of companies and their possible discounts include:
- State Farm offers discounts for Drive Safe & Save, anti-theft, good driver, defensive driving training, accident-free, and passive restraint.
- Progressive may include discounts for good student, continuous coverage, multi-policy, online signing, and homeowner.
- Progressive may offer discounts for online signing, good student, multi-vehicle, homeowner, and multi-policy.
- MetLife includes discounts for multi-policy, good driver, good student, claim-free, defensive driver, accident-free
- Farm Bureau offers premium reductions for renewal discount, good student, multi-vehicle, driver training, and 55 and retired.
- GEICO offers discounts including multi-policy, anti-lock brakes, five-year accident-free, federal employee, anti-theft, and good student.
- SAFECO may have discounts that include anti-lock brakes, safe driver, drive less, teen safety rewards, multi-car, teen safe driver, and bundle discounts.
Before buying, ask every company to apply every possible discount. Some discounts listed above may not apply to policies everywhere.
Do I need special coverages?
When it comes to choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Your financial needs are unique so your insurance needs to address that.
Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.
- Do I have coverage when using my vehicle for my home business?
- How much liability insurance is required?
- When should I remove comp and collision on my Volkswagen Eos?
- Does coverage extend to Mexico or Canada?
- Are split liability limits better than a combined single limit?
- How can I get high-risk coverage after a DUI?
- Is there coverage for my trailer?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.
Neighborhood agents and car insurance
A lot of people still prefer to buy from a licensed agent and doing so can bring peace of mind The biggest benefit of getting online price quotes is that drivers can save money and get the lowest rates and still choose a local agent.
To help locate an agent, after submitting this form (opens in new window), the quote information is transmitted to companies in Tulsa that can give you free Tulsa car insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to search for any insurance agencies since rate quotes are delivered straight to your inbox. It’s the lowest rates and a licensed agent to talk to. In the event you want to compare prices from a specific car insurance provider, just visit that company’s website and fill out their quote form.
Selecting an insurer requires more thought than just the bottom line cost. Below are some questions you should ask.
- Will one accident increase rates?
- If your car is totaled, how to they determine the replacement cost?
- Is the quote a firm price?
- Can they give you a list of client referrals?
- Do they have 24-hour customer assistance?
Two types of car insurance agents
If you need to find a local agent, it helps to know the two different types of agencies and how they can write your policy. Agencies in Tulsa can either be independent agents or exclusive agents.
Exclusive Car Insurance Agencies
Exclusive agencies can only write with one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agents receive a lot of sales training on sales techniques which helps offset the inability to provide other markets. Some insured continue to buy from exclusive agents mainly due to the brand legacy rather than low rates.
Listed below is a short list of exclusive insurance agents in Tulsa willing to provide price quotes.
- Brian Cannon – State Farm Insurance Agent
11320 E 32nd St – Tulsa, OK 74146 – (918) 627-0977 – View Map - GEICO Insurance Agent
8353 S Memorial Dr – Tulsa, OK 74133 – (918) 384-0707 – View Map - Allstate Insurance: Jim Boese
10396 E 21st St – Tulsa, OK 74129 – (918) 665-2424 – View Map
Independent Agencies or Brokers
These agents often have many company appointments and that enables them to quote your coverage with lots of companies enabling the ability to shop coverage around. If they quote lower rates, an independent agent can move your coverage and the insured can keep the same agent.
When comparing rate quotes, you definitely need to check rates from several independent insurance agents to have the most options to choose from. Many independent agencies also insure through companies you’ve never heard of which can be an advantage.
Below are Tulsa independent insurance agencies that can give you rate quotes.
- Tulsa Insurance Gu
427 South Boston Avenue, 518 – Tulsa, OK 74103 – (918) 574-6262 – View Map - Glass Insurance Agency, Inc
4500 S Garnett Rd #914 – Tulsa, OK 74146 – (918) 663-5314 – View Map - Bracken Insurance Agency
9717 E 42nd St, Suite 105 – Tulsa, OK 74146 – (918) 744-4440 – View Map
Best car insurance company in Tulsa
Ending up with a good quality insurance company can be difficult considering how many companies there are in Oklahoma. The company information in the lists below may help you select which insurers to look at when shopping your coverage around.
Top 10 Tulsa Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
More effort can pay off
Some companies may not provide the ability to get a quote online and usually these smaller providers work with independent agencies. Budget-friendly auto insurance in Tulsa is available from both online companies in addition to many Tulsa insurance agents, and you should be comparing both to have the best selection.
As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find for the lowest price, but do not skimp to save money.
More information
- Eight Auto Insurance Myths (Insurance Information Institute)
- What Auto Insurance is Cheapest for Drivers Over Age 50 in Tulsa? (FAQ)
- Who Has Cheap Tulsa Auto Insurance for a Toyota Camry? (FAQ)
- Who Has the Cheapest Tulsa Auto Insurance Rates for a Ford Explorer? (FAQ)
- Who Has Cheap Car Insurance for Drivers Over Age 60 in Tulsa? (FAQ)
- Who Has Cheap Tulsa Auto Insurance Quotes for Drivers with Accidents? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Felons in Tulsa? (FAQ)
- Older Drivers FAQ (iihs.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- How to Avoid Common Accidents (State Farm)