Skiatook Auto Insurance Rates, Quotes, Agents & Reviews in OK

Skiatook, OK Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Skiatook, 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.

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Factors that can influence the cost of car insurance in Skiatook, 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.

Skiatook, OK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Skiatook, OK with that of other cities in and around Skiatook.

Skiatook Sperry Southeast Osage Collinsville Vera Turley
Average Insurance Rates $1,588 $1,521 $1,603 $1,600 $1,551 $1,487

Skiatook, 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 Skiatook, 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)
Skiatook $1,080 $913
Sperry $1,063 $898
North Tulsa $1,008 $852
Southeast Osage $1,501 $1,268
Avant $1,339 $1,131
Collinsville $1,452 $1,227
Turley $1,861 $1,572
Vera $1,488 $1,257

Skiatook, OK Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Skiatook, 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
Teens $5,153
20 Years $2,040
30 Years $1,572
40 Years $1,512
50 Years $1,400
60 Years $1,420
70 Years $1,653

Skiatook, OK Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Skiatook, 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
2 Vehicles $2,700 $476
3 Vehicles $4,049 $715
4 Vehicles $5,399 $953

Savings on 2 Vehicles bundle:$476

Savings on 3 Vehicles bundle:$715

Savings on 4 Vehicles bundle:$953

Skiatook, 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 Skiatook, OK.

Location Average Insurance Cost Post DUI Insurance Rate
Skiatook $1,588 $2,480
Sperry $1,521 $2,375
North Tulsa $1,605 $2,507
Southeast Osage $1,603 $2,503
Avant $1,490 $2,327
Collinsville $1,600 $2,499
Turley $1,487 $2,322
Vera $1,551 $2,422

Skiatook, 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
Exceptional (800-850) $1,362
Excellent (740-799) $1,555
Good (670-739) $1,655
Average (580-669) $2,159
Poor (300-579) $2,590

Skiatook, 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 $1,658
Driver's Failure In Showing Documents +$154 $1,742
Driving With An Expired Registration +$164 $1,752
Driving At A Considerably Slow Pace +$345 $1,933
Using A Cellphone While Driving +$364 $1,952
Running A Red Light +$370 $1,958
Speeding +$389 $1,977
Driving A Vehicle Without The Required Permission +$494 $2,082
Driving With An Expired/Suspended License +$1,070 $2,658

Skiatook, 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
Audible Alarm $1,524
Active Disabling Device $1,524
Tracking Device $1,493
Passive Disabling Device $1,477