Sapulpa, OK Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Sapulpa, OK, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Find Best Car Insurance in Sapulpa, OK
Car insurance is an important part of owning a car. It helps to protect you and your car from damages caused by accidents, theft, and other events. There are many different types of car insurance, and it can be confusing to know which one you need. Here is a brief guide to car insurance in Sapulpa, Oklahoma.
The average cost of car insurance in Sapulpa, OK, is $1,565. When you are shopping for car insurance, be sure to compare rates from multiple companies. Rates can vary significantly from one insurer to the next. In addition to rates, you should also consider the types of coverage each company offers and their reputation for customer service. Once you have found an insurer that you are comfortable with, read the policy carefully before purchasing it to ensure that it meets your needs.
In Sapulpa, OK and many other states, insurers can use your credit information when calculating your auto insurance rates. And, unfortunately, if you have a poor credit history, you could end up paying a lot more for your car insurance than someone with a good credit history. So, how exactly does your credit history affect your car insurance rates? Well, insurers generally view people with poor credit as being higher-risk customers. This means they're more likely to file a claim, and when they do, the claims will likely be for more money. As a result, insurers charge higher rates to cover the increased risk. For instance, in Sapulpa, OK, car owners with excellent credit scores must pay $1,554, while those with poor credit must pay $2,589.
Age of the Driver
Car insurance rates in Sapulpa, OK, are determined by many factors, including a driver's clean driving record. A clean driving record means a driver has no accidents, no traffic violations, and no DUIs. The better a driver's record, the lower their car insurance rates will be. Drivers with a clean driving record are considered to be a lower risk to insurers, and thus, they are rewarded with lower rates. In Sapulpa, Oklahoma, teenage drivers pay $5,150 for auto insurance, while older drivers (over 40) pay $1,511
Car insurance rates in Sapulpa, OK, are determined by many factors, including a driver's clean driving record. A clean driving record means a driver has no accidents, no traffic violations, and no DUIs. The better a driver's record, the lower their car insurance rates will be. Drivers with a clean driving record are considered to be a lower risk to insurers, and thus, they are rewarded with lower rates. For instance, in Sapulpa, Oklahoma, drivers who run red lights or have expired licenses will pay an additional +$370 and +$1070 for auto insurance.
Factors that can influence the cost of car insurance in Sapulpa, OK are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Sapulpa, OK Auto Insurance Rates
- Sapulpa, OK Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Sapulpa, OK
- Multi Vehicle Insurance Savings in Sapulpa, OK
- How Credit Score Affects Car Insurance Rates in Sapulpa, OK
- How DUI Affects Auto Insurance Premiums in Sapulpa, OK
- How Driving Violations Affect Auto Insurance Rates in Sapulpa, OK
- Sapulpa, OK Auto Insurance Discounts on Anti Theft Feature
- Sapulpa, OK Auto Insurance Company Reviews
Sapulpa, OK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Sapulpa, OK with that of other cities in and around Sapulpa.
|Average Insurance Rates||$1,587||$1,531||$1,600||$1,611||$1,539||$1,680|
Sapulpa, OK Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Sapulpa, OK based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Sapulpa, OK Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Sapulpa, OK usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Sapulpa, OK Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Sapulpa, OK can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$444
Savings on 3 Vehicles bundle:$667
Savings on 4 Vehicles bundle:$889
Sapulpa, OK Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Sapulpa, OK.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Sapulpa, OK Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Sapulpa, OK Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$70||$1,657|
|Driver's Failure In Showing Documents||+$154||$1,741|
|Driving With An Expired Registration||+$163||$1,750|
|Driving At A Considerably Slow Pace||+$344||$1,931|
|Using A Cellphone While Driving||+$363||$1,950|
|Running A Red Light||+$370||$1,957|
|Driving A Vehicle Without The Required Permission||+$494||$2,081|
|Driving With An Expired/Suspended License||+$1,070||$2,657|
Sapulpa, OK Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,524|
|Passive Disabling Device||$1,476|
Latest Auto Insurance Reviews in Sapulpa, OK | Back to Top
I would say that this company is doing great things for our local community, they are competitive with their prices and the service that I get from the office and from my agent are great.
I have had Allstate insurance for 15 years and I have had a great experience with the ins co. It is a great company. Their premiums and deductible are the best compared to other ins co