Free Guide to Spending Less for Tulsa Oklahoma Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, you’re not alone. Drivers have so many insurance companies to buy insurance from, and although it’s nice to have multiple companies, lots of choices makes it harder to find the best rates for your vehicles.

Shopping for more affordable auto insurance in Tulsa can be fairly easy. If you are insured now or are looking for a new policy, you can use this information to shop for the lowest rates and still get good coverage. Oklahoma vehicle owners just need to understand the best way to compare price quotes online.

Policy discounts you shouldn’t miss

Insurance can be prohibitively expensive, but you may find discounts to help bring down the price. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be manually applied before being credited. If you don’t get every credit you deserve, you are paying more than you should be.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more than less cautious drivers.
  • Resident Student – Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will help reduce your overall premium however.

To see a list of providers with the best auto insurance discounts in Oklahoma, follow this link.

But I want to work with a local agent

Some people prefer to visit with an insurance agent and that is just fine! Agents can help determine the best coverages and help you file claims. The best thing about comparing insurance prices online is you can get lower rates but also keep your business local. And supporting local insurance agencies is important especially in Tulsa.

To find an agent, once you fill out this form (opens in new window), your information gets sent to insurance agents in Tulsa who will battle for your coverage. There is no reason to leave your computer since price quotes are sent immediately to your email address. It doesn’t get any easier!

Do you need an independent or captive insurance agency?

When researching an insurance agent, there are two types of agencies from which to choose. Agents can either be independent or captive. Both do a good job, but it’s important to know the differences since it can impact the selection money image

Independent Insurance Agents

These agents are not employed by any specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.

When comparing rates, it’s recommended you contact at least one independent agent for the best price selection.

Listed below is a list of independent insurance agents in Tulsa that may be able to provide rate quotes.

Insurance Agencys Of Oklahoma – 5138 S Peoria Ave # 203-205 – Tulsa, OK 74105 – (918) 749-0250
All American Insurance Inc – 6145 E 21st St – Tulsa, OK 74114 – (918) 832-8823
Premier Agency – 8008 S Sheridan Rd – Tulsa, OK 74133 – (918) 491-9087
Courtesy Insurance – 7136 S Yale Ave # 301 – Tulsa, OK 74136 – (918) 497-1929
Ken Phillips Agency – 5272 S Lewis Ave # 114 – Tulsa, OK 74105 – (918) 270-1313

Captive Insurance Agents

Captive agencies are contracted to one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to compare other company’s rates so keep that in mind. Captive agents are trained well in insurance sales which can be an advantage.

Shown below are captive agents in Tulsa willing to provide rate quotes.

Shelter Insurance – 2517 S Harvard Ave – Tulsa, OK 74114 – (918) 742-4210
State Farm Insurance – 6225 S Mingo Rd – Tulsa, OK 74133 – (918) 252-3632
Liberty Mutual Insurance – 8102 S Lewis Ave # A – Tulsa, OK 74137 – (918) 299-7593
Allstate Insurance – 8008 S Sheridan Rd – Tulsa, OK 74133 – (918) 491-9037
Farmers Insurance Group – 4835 S Fulton Ave # 103 – Tulsa, OK 74135 – (918) 664-4416

Tulsa OK car insurance prices

To view a full list of auto insurance agents in Tulsa, please view this page.

Choosing an auto insurance agent shouldn’t rely on just the price. These are valid questions to ask:

  • How long have they worked with personal auto insurance coverage?
  • Will your rates increase after a single accident?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Can they give you a list of client referrals?
  • If they are an independent agency, which companies do they recommend?

After getting acceptable answers for all questions you ask and an affordable coverage quote, most likely you have located a car insurance agent that can properly insure your vehicles.

More Oklahoma auto insurance information

Much more information about auto insurance in Oklahoma is available on the website for the Oklahoma Insurance Department. Click here for link. Consumers can read enforcement actions against agents and companies, report car insurance fraud, and find out which companies have the most complaints.

Shop smart and save

Budget-conscious auto insurance is attainable on the web and also from your neighborhood Tulsa agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Throughout this article, we presented many tips how you can compare auto insurance prices online. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the best prices are with a small local company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.