Let’s face it, insurance shopping isn’t anyone’s favorite pastime, but it’s something completely unavoidable. You never know what the road-Gods have waiting for you. That is why it is always a smart move to have Auto insurance while living/travelling in Tulsa.
There are so many things a good insurance should be, but let’s be honest, one of those things is the price. Good news, finding the cheapest auto insurance in Tulsa is not rocket science. There are so many providers who offer different packages, and it can be tricky to choose the right one for you. That is why we have created this guide to help you find the best and cheapest auto insurance in Tulsa.
Factors That Affect Auto Insurance Rates in Tulsa
When it comes to auto insurance, it’s all about the fine print. Auto insurance rates in Tulsa depend on a number of factors. Here’s a breakdown of the key factors that affect your insurance’s rates:
Your Driving Record
Speeding tickets? Fender benders? Oof, we might have bad news for you! These can be red flags for insurers, and you should try to avoid getting these. Because a clean driving history could earn you some sweet discounts.
Where You Live in Tulsa
Believe it or not, your ZIP code can make or break your insurance bill. Living in areas with higher crime rates or accident-prone streets might cost you extra because your car is likely to be a bigger liability in those areas.
Your Ride
That shiny new sports car might turn heads, but it also makes insurers sweat. Vehicles with higher repair costs or theft rates usually mean higher insurance rates.
Age and Experience
Younger drivers, especially those under 25, often pay more because statistics don’t paint them as the safest on the road.
Coverage Levels
Going for minimum coverage might save you money upfront, but if you want extra perks like roadside assistance, expect your premium to go up.
Annual Mileage
If you have thousands of miles cruising around Tulsa, insurers assume you’re at a higher risk for accidents. Less driving = lower rates.
How to Find the Cheapest Auto Insurance in Tulsa
Tulsa has a lot of options for auto insurance but finding the right one that offers maximum perks and is the cheapest is the trick. Here are some tricks to get the cheapest auto insurance in Tulsa:
Shop Around
Don’t settle for the first quote that you get. Compare multiple providers to see who’s offering the best deal for your needs.
Ask About Discounts
Insurers won’t always shout about their discounts, but they’re often there if you ask. Safe driver discounts, bundling home and auto, or even good student perks can bring down your insurance expense.
Consider Pay-Per-Mile Insurance
If you don’t drive much, pay-per-mile insurance could be a game-changer. That way, you’re only paying for the miles you actually drive.
Raise Your Deductible
A higher deductible means lower monthly prices. If you can afford to cover a bigger chunk in the event of an accident, this is a smart way to cut costs.
Keep Your Driving Record Clean
No speeding tickets. No accidents. No drama. Staying on the good side of the driving law is a guaranteed way to keep the insurance expense down.
Check for Tulsa-Specific Deals
Some insurers offer regional discounts. Instead of getting deals for Oklahoma, consider getting the regional specific deals.
Bundle Up for Big Savings
If you’ve got homeowners or renters insurance, consider bundling it with your auto policy. This will usually reward you with lower rates.
Final Thoughts
Shopping for auto insurance might not be the most exciting thing you’ll do today, but it’s one of those adulting tasks that pays off big time. Having the right auto insurance means peace of mind. But remember, finding the cheapest auto insurance in Tulsa doesn’t mean settling for less. It’s about balancing cost with coverage that actually protects you when it counts. By understanding what affects your insurance cost, comparing different providers, and avoiding common scams, you’ll be well on your way to getting a cheap deal that works for you.
FAQs About Auto Insurance in Tulsa
How much is auto insurance in Tulsa on average?
Auto insurance in Tulsa usually costs around $2,339 per year for full coverage, which comes out to about $195 per month. But, rates can be different depending on factors like your driving history, age, and vehicle type, so it’s always a good idea to compare quotes.
What minimum coverage is required in Oklahoma?
By law, Oklahoma requires a minimum of $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability. This is known as 25/50/25 coverage. While this meets legal requirements, many drivers choose higher limits for an added layer of protection.
Are there discounts for safe drivers or students?
Yes, you’ll be surprised to know that many insurance providers offer discounts for safe drivers and students. You get discounts for maintaining a clean driving record, and students who achieve good grades, typically a “B” average or higher, can qualify for good student discounts.