There were more than 527,000 registered vehicles in Tulsa County in 2015-2016. Whether you are hitting the road on Interstate 44, U.S. 75 or any other thoroughfare, there's always the chance you'll be involved in a driving incident.
Any incident you're involved in on the road could require an auto insurance claim. Fortunately, car insurance can help you protect your assets if an accident harms you, your vehicle or someone else.
Carrying Auto Insurance in Tulsa
Oklahoma requires its drivers to carry minimum auto insurance levels.
- $25,000 per person for injury or death
- $50,000 per accident for injury or death
- $25,000 property damage coverage
Most drivers in Tulsa have to carry the same coverage required of other Oklahoma drivers. However, Tulsa drivers may face enhanced vehicle risks because they live in a heavily-populated area. For example:
- Their chances of a collision may be higher because there are many drivers on many roads. Tulsa saw more than 9,000 crashes in 2015. By contrast, Ada, Oklahoma saw 75 total crashes.
- They might face enhanced car theft risk in their neighborhood. In 2016, the city saw more than 2,600 instances of vehicle theft. That's 6.58 per 1,000 residents. The United States rate was 2.20 vehicle thefts per 1,000 residents.
Because of these elevated risks, Tulsa drivers may want to opt for higher coverage levels. Nonetheless, the risk of accidents, theft and other incidents often affect how much someone pays for car insurance. As vehicle risks increase, owners might have to pay more for coverage.
Reducing Your Auto Insurance Rates
You likely want to carry a policy that you can afford. Tulsa drivers can expect to pay, on average, about $2,200 per year for auto insurance. You can often better manage prices by using discounts and deductible adjustments.
- Multiple insurance companies offer discounts to help their policyholders afford coverage. These might include safe driver discounts, auto-payment discounts and accident-free discounts.
- Most insurance policies come with a deductible. By increasing your deductible amount, you show that you can handle more of the cost burden of an accident. Therefore, your insurer might decrease your rates because you carry less of a cost risk.
- Safe driving often leads to rate reductions. If you keep a clean driving record, it helps demonstrate that you are a low-risk driver. Your rates may go down over time.
With the right attention to detail, Tulsa drivers can get insurance coverage to meet their needs.
We can help you find coverage. Call Cheapest Auto Insurance at (918) 744-5145 for a quick and affordable Tulsa auto insurance quote.