Oklahoma – Top 5 Vehicles In The Sooner State

Are There Factors Beyond Popularity You Should Consider When Choosing a Car in Oklahoma?

While the top 5 list provides valuable insights, it’s crucial to consider your individual needs and preferences when choosing a car in Oklahoma. Here are some additional factors to keep in mind:

• Budget: Car prices vary significantly, and sticking to a budget is essential. Consider the upfront cost as well as ongoing expenses like fuel and maintenance.
• Driving Habits: If you primarily commute within the city, a fuel-efficient sedan might be ideal. However, if you frequently go off-roading or need a vehicle for work that involves hauling, a truck or SUV might be a better choice.
• Passenger and Cargo Space: Think about how many passengers you typically transport and how much cargo space you need. If you have a growing family or frequently embark on road trips, an SUV with ample space might be preferable.
• Fuel Efficiency: Gas prices can fluctuate, and fuel efficiency is a major concern for many Oklahoma drivers. Consider cars with good gas mileage, especially if you have a long commute.
• Safety Features: Safety should be a top priority. Research safety ratings from organizations like the National Highway Traffic Safety Administration (NHTSA) before finalizing your choice.
• Lifestyle: Do you prioritize comfort and features like a sunroof and heated seats? Or are you more focused on a rugged vehicle for outdoor adventures? Consider your lifestyle and how the car will be used.

What is the Average Annual Car Insurance in Oklahoma?

According to Bankrate, the average annual cost of auto insurance in Oklahoma varies depending on the type of coverage:

• Minimum Coverage: $406
• Full Coverage: $1,998

However, it’s important to remember that this is just an average. Your individual car insurance rate will vary depending on several factors, including:

• Your Driving Record: A clean driving record with no accidents or traffic violations will get you the lowest car insurance rate. Conversely, a history of accidents or violations will lead to higher premiums.
• Your Location: Automobile insurance rates can differ within the state. Urban areas like Oklahoma City and Tulsa will likely see slightly higher premiums compared to rural areas.
• The Car You Drive: Insuring a high-performance car or one with a higher theft rate will cost more than insuring a fuel-efficient sedan.
• Your Age and Gender: Statistically, young drivers and males under 25 typically pay higher auto insurance rates.

Strategies for Securing Inexpensive Auto Insurance in Oklahoma

While Oklahoma offers lower-than-average car insurance prices compared to the national average, finding the best insurance a smart move. Here are some strategies to secure inexpensive car insurance in Oklahoma:

• Compare inexpensive automobile insurance quotes: Compare auto insurance quotes from multiple insurance companies to ensure you’re getting the best possible price.
• Maintain a Clean Driving Record:  Accidents and traffic violations like speeding tickets significantly increase your car insurance rates. Practice safe driving habits to keep your record clean and your insurance rates low.
• Consider Usage-Based Insurance: Telematics programs offered by some insurers track your driving habits and can reward safe drivers with lower insurance rates.
• Increase Your Deductible: A higher deductible lowers your insurance premium, but remember you’ll need to pay that amount out-of-pocket in case of an accident. Choose a deductible you can comfortably afford.
• Bundle Your Insurance: Many companies offer discounts when you bundle your car insurance with other policies, like homeowner insurance or renters insurance.
• Take Advantage of Discounts: Many insurance companies offer discounts for things like good student grades, low mileage, owning safety features like anti-theft systems, and completing defensive driving courses. This helps in getting cheap insurance.
• Consider Your Car Choice: The type of car you drive can significantly impact your insurance costs. Generally, fuel-efficient and safer cars with lower theft rates will have lower auto insurance premiums compared to high-performance cars or those with a higher risk of theft.