Car Insurance Tulsa: Peace Of Mind At The Wheel

We know that when you drive a car you also want security and protection for you and for those who accompany you along the way, we are with you to manage your mobility in a safe, assisted and accompanied way, we offer you the best car insurance Tulsa options.

Cheap car insurance in Tulsa

Traveling in your car is one of the plans that you enjoy the most. Moving to your place of work or to the places that you like to frequent is a necessity. In both situations you have comfort, but it is important that you have protection so that you are calm at all times.

Taking time out of your chaotic day to acquire a car insurance expense quote may be the smartest choice you’ll ever make. It is easy to find an affordable car insurance in Tulsa when you use local insurance providers. You won’t find out if there is a much better option than your present scenario unless you ask questions. By using our comparative tool we are able to give you the best insurances Tulsa estimates in just a few moments. It is the perfect time to determine whether you’re forking over too much and not receiving the protection your household ought to get. All it will take is a telephone call, reps are ready.

Why do you need a car insurance?

Car Insurance TulsaIt is no surprise that auto accidents are responsible for huge financial loss if you are uninsured.  This may include medical bills, the obvious damage to the cars themselves and possibly even legal costs when an attorney gets involved. Car insurance is a must before you get behind the wheel.

It’s necessary to guarantee that before any difficulty it support you to take care of your heritage. If at some point you suffer an accident in which you cause damage to third parties, that is, to property or people, you do not have to worry about paying large sums of money to compensate those affected. Get the best car insurance Tulsa which assumes this responsibility.

People need a car insurance to protect their investment.  Car Insurance Tulsa was setup to help people find the very best places to buy a cheap insurance in the Tulsa area.

How to get a quote for you car insurance in Tulsa?

In Tulsa Town, you find car insurance for a bit pricier than in other parts of Oklahoma. There are hundred of insurance companies in tulsa who offer auto insurance but with us you will find the firts 10 companies with the best rates.

Get the cheapest auto insurance Tulsa, Ok quote will only take six minutes. We have made very easy to get a quote, buy, and save monety online:

About Tulsa, Oklahoma

Car insurance in Tulsa

Tulsa is a mid-sized city with the metro area sitting at more than a million people as of 2015.  The city area itself has only around 400,000 people.  This means that there are a lot of people in the areas surrounding Tulsa.  A lot of cars per capita are found here because of this.

Car Accident Statistics in Oklahoma

In 2015, there were 590 vehicle collisions involving a fatality in the State of Oklahoma, in which 643 persons lost their lives, compared to 669 fatalities from 589 fatal crashes in 2014. While these numbers represent an improvement in lives lost from 2014, they still represent a needless loss of life. Even more significant is the fact that of those 669 deaths, 170 resulted from crashes involving a driver having a blood alcohol level of 0.08 or more, an increase from 152 in 2014.
The most recet information is from 2016 and it can be found on the Oklahoma Highway Safety Office.

Laws and driving rules in Tulsa

In order to combat the number and severity of traffic crashes the laws and driving rules have been hardened. Since 2015, driving and text in Tulsa it is illegal, you faced a potential penalty of $100. Driver of public transit or commercial drivers are also prohibited from making hand-held phone calls while driving.

If you are caught driving without insurance, you face fine of up to $250,  you can go in jail for 30 days, your driver´s license wiill be suspended as your vehicle registrartion.

¡Discover what is the perfect car insurance Tulsa for you here!

The only thing you need to get quotes is to put your zip code and decide which quote is better for you. If you need more information contact us

What is important in a car insurance Tulsa?

    • You can solve the injuries that you cause to another person, as, cyclists, pedestrians or the occupants of other cars involved in an accident, likewise
    • You will be able to solve the damages that you cause to the property of another person, for example , vehicle, house, among others.
    • You would be able to solve the damages that you or your family group may cause to another person or your property, when you are driving a vehicle with similar characteristics to the one covered by the policy that is not your property or that of your family group.
    • You will have legal accompaniment in civil or criminal proceedings.

Liability Insurance is required by Oklahoma State Law

State law mandates that you carry a minimum of liability insurance.  You don’t want to be stopped for a moving violation and have the police realize you are uninsured.

Of course, liability insurance doesn’t protect your vehicle or your own personal injury in any way.  This is to protect others that you may injure and the vehicles they are driving.

At the time of this writing (2018) the Oklahoma minimum liability insurance is 25/50/25.  The first number on the left represents that you are required to have $25,000 death or bodily injury liability insurance per person.  The middle number means you need to have $50,000 bodily death  or injury per accident.   And the final number on the right means you are required to have $25,000 property damage liability per accident.

You will need to talk to your Tulsa insurance agent so you can determine what amounts are right for you.  The numbers above are simply the MINIMUM required

Collision Insurance May be Required by Your Lender

If you financed the purchase of your car you may find that your lender will require collision insurance so that the car is protected.  Since the car is the collateral for the loan they do not want the car to be totaled and then have you walk away from the loan.

And you do not want to owe $30,000 on a car that you can’t drive either.  So collision insurance is very important in high value cars or cars with loans on them.  But even if you have a car that is worth just a few thousand dollars you may want to consider collision insurance.

You may think that “The other person’s liability insurance will cover it!”  That is true providing they have insurance and it has not expired.  Also, their liability insurance does not cover the accident if it is YOUR fault!  That requires collision insurance.

My car accident in a convenience store parking lot

I can tell you from firsthand experience that there are people in Tulsa driving around with no insurance and no driver’s license.  I have been hit by one myself.  Without your own collision insurance this can be a huge problem.

What happened?  I was ready to leave the parking lot but one car was in front of me.  The street we were going to enter was busy.  The man driving the big truck in front of me got impatient and put it into reverse and just backed over the hood of our Mitsubishi Eclipse.

The man did not speak English and his driver’s license was from Texas.  He spoke Spanish though.  It turns out his insurance was “expired” (how convenient) and the Tulsa police would do NOTHING about it.  Ooops!

It was up to me to pay expenses.  The car was inexpensive so it did NOT have collision insurance.  That meant the whole expense was on me.   This could happen to you.  Don’t think it can’t.

This is another thing you will want to talk to your Tulsa car insurance agent about.  There will be a deductible that varies depending on the price you are willing to pay. 

Comprehensive Coverage

This type of coverage is “comprehensive”.  That means that it covers nearly every other type of damage to your car that isn’t accident related.    This might include theft, fire, vandalism, weather related damage (hail, water, etc.)  This has a deductible value that you must agree to which affects the price.

Uninsured Motorist coverage

This insurance covers you personally.  It pays if you are injured  by a hit and run driver.  It also covers you if you are hit by a driver who does not have liability insurance.  In other words it takes the place of the other person’s liability insurance if they did not purchase it.  Keep in mind this only covers you if the other party is at fault and they have no insurance.

More Optional Coverage

There are a number of types of coverage that you may not have heard of before.  One is medical payment coverage (MPC).  It is usually just called “medical” and covers medical and/or funeral expenses for you or others killed in an accident.  This could even be a pedestrian.  Note some of this coverage may overlap your normal medical insurance.

Rental reimbursement coverage pays for a rental car if needed while your car is being repaired after an accident.  This may be purchased with a daily and total maximum.

Towing or Emergency Road Service can cover the towing expenses to get your car to the repair shop.  Again, you need to talk with a car insurance agent in Tulsa about this. So, why to pay thousands of dollars if you can get the cheapest auto insurance Tulsa with us?