Consumer Information for Searching Online for a Tulsa, OK Insurance Agent

To locate a good insurance agent in Tulsa, OK, it’s recommended you do the preliminary legwork for an agent online to save yourself time. You need a professional agent, and also cheap rates.

Lots of auto insurance agents contend for your hard-earned dollar, and because of this it can be hard to compare insurance agencies to get the best rate

Your insurance agent down the street

Agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent.

After filling out this form (opens in new window), the coverage information is emailed to companies in Tulsa who will battle for your business. You never need to drive around since price quotes are sent directly to your email. How’s that for easy! It’s the lowest rates and a licensed agent to work with.

Deciding on an insurance agency should depend on more than just the bottom line cost. Here are some questions to ask:

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • What insurance company do they write the most business with?
  • Is their price quote a firm figure or are their hidden costs?
  • Which members of your family are coverage by the policy?
  • How long has their agency been open in Tulsa?
  • Do the coverages you’re quoting properly cover your vehicle?

Insurance agents in Tulsa come in two varieties

When finding a good insurance agency, there are a couple of different types of agents from which to choose. Agents are classified as either captive or independent.

Captive Insurance Agents

Captive agents can only write with one company such as Allstate, AAA, Liberty Mutual and State Farm. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. These agents are trained well in insurance sales and that can be a competitive advantage. Some people will only purchase coverage from captives primarily because of the prominence of the brand and the convenience of having all coverages with one company.

Listed below are Tulsa captive insurance agencies that can give you comparison quotes.

  • Farmers Insurance Group – 3510 S 79th East Ave – Tulsa, OK 74145 – (918) 627-4800
  • Shelter Insurance – 2517 S Harvard Ave – Tulsa, OK 74114 – (918) 742-4210
  • Liberty Mutual Insurance – 8102 S Lewis Ave # A – Tulsa, OK 74137 – (918) 299-7593
  • Allstate Insurance – 6843 S Peoria Ave – Tulsa, OK 74136 – (918) 493-2031
  • State Farm Insurance – 5424 S Memorial Dr # B1 – Tulsa, OK 74145 – (918) 627-1833
Independent Agencies or Brokers

Independent agents do not work for one specific company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent. When shopping rates, you should always include price quotes from at least one independent agent for maximum quote selection. They also have the ability to place coverage with smaller companies which can be an advantage.

Listed below is a list of independent agents in Tulsa that can give you price quotes.

  • Ken Phillips Agency – 5272 S Lewis Ave # 114 – Tulsa, OK 74105 – (918) 270-1313
  • Grothjan Insurance and Invstmnt – 4444 E 66th St # 103 – Tulsa, OK 74136 – (918) 492-8707
  • Robert Ward Agency – 3220 S Peoria Ave – Tulsa, OK 74105 – (918) 745-2205
  • Choice Auto Insurance – 1918 E 51st St # 3w – Tulsa, OK 74105 – (918) 492-6606
  • Marc Crocker Agency – 3220 S Peoria Ave – Tulsa, OK 74105 – (918) 745-2302

To view a full list of Tulsa insurance agents, view this link.

Once you have satisfactory answers to any questions you have as well as a affordable price, it’s possible that you found an insurance agency that is a good match to properly service your auto insurance policy.

Insurance agents can help

When buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions could help you determine whether you might need an agent’s assistance.

  • What is high-risk coverage and where do I buy it?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is pleasure use cheaper than using my vehicle to commute?
  • What should my uninsured motorist coverage limits be in Oklahoma?
  • How much liability coverage do I need in Oklahoma?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when driving a rental car?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent.

But what about buying coverage online?

Car insurance agents are a valuable resource, but you also have the option of buying direct from companies online. Certain auto insurance companies like State Farm and Allstate who sell through agents in Tulsa additionally provide the ability to quote and buy online, so keep that in mind if you are the do-it-yourself type.

If you’re worried about not having an insurance agent’s advice when buying car insurance direct, don’t be too concerned. Car insurance companies provide phone numbers and online resources for getting the best coverage. Additionally, most companies also offer help pages and frequently asked questions to make it easier to purchase.

If you’re not set on any one company, the best way to find out if prices are better online or from an agent is getting rates for as many of both types of providers as possible. You can actually get different rates from online quotes as they do from local agents returned by the same company.

Can you find lower rates online? The answer is complex because there are many components that are calculated into your premium. It’s a logical assumption that buying direct saves the commission normally paid to an agent. But in most cases, advertising and marketing take a lot of money and those expenses can offset most of the savings by selling direct.

Keep this in mind

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at the best price.

Consumers leave their current company for a variety of reasons including denial of a claim, being labeled a high risk driver, unfair underwriting practices or poor customer service. It doesn’t matter why you want to switch finding a great new company is easier than you think.

Find Oklahoma insurance agent

Even more information is located at the Oklahoma Insurance Department website. Consumers can learn about specific coverages, find a variety of consumer forms, and discover disciplinary actions.