Cheapest Auto Insurance | Tulsa, Oklahoma

What Separates Cheapest Auto Insurance from the rest of the auto insurance companies?

We have made auto insurance easy and hassle free. With our Anonymous Quoting System that is the fastest online auto insurance quoting process in the industry, a customer can receive a quote in 1 minute and complete the entire policy online in 5 minutes. There is truly nothing like it in the auto insurance industry. Here are few other reasons why Cheapest Auto Insurance is the place to find hassle free affordable auto insurance.

• No Credit Checks
• No Middleman Fees
• State of the art APP
• Low First Month Payment
• Anonymous Quoting System
• We are a great combination of InsurTech plus a call center that is second to none with agents to help you by phone or text message.
• We don’t sell your info to any vendors like many online sites do.

Affordable Car Insurance for Oklahoma’s Second-Largest City

Tulsa County is one of Oklahoma’s most densely-populated. As a result, there’s considerable traffic around. Wherever you decide to drive, you face a risk of accidents or other mishaps. As a result, you must carry auto insurance to protect yourself behind the wheel.

Cheapest Auto Insurance has the experience to help Tulsans save time and money when getting targeted auto insurance. Our goal is to make sure you walk away satisfied with your protection.

Find out how to cut car insurance cost by clicking here

Click here to learn how to save on rising insurance rates 

Find out why car insurance prices have skyrocketed

Understanding your auto insurance coverage

Auto insurance policies are not the easiest to understand and many times coverages can be misunderstood. It is important to contact your auto insurance agent or company to go over your policy to make sure you are covered correctly and not over paying for coverages you do not need. Be sure to look over your policy every renewal to make sure the proper coverages are still there. And if your situation in life has changed and you need more coverage be sure to let your insurance agent know. Here is a list of coverages on your auto insurance policy you can choose from:

• Bodily Injury Liability and Property Damage
• Medical Payments
• Uninsured Motorist Coverage
• Personal Injury Protection
• Rental Car Reimbursement Coverage
• Roadside Assistant/Towing
• Comprehensive Coverage
• Collision Coverage

It is important to remember that business use is usually not covered under your personal auto policy. There are less exclusions on the personal auto policy but still some things to be aware of to disclose to your agent when getting quotes. Here are a few things to disclose to your auto insurance company to make sure you are covered correctly:

• If you deliver goods or transport people to different places
• If you working in ride sharing industry
• If you have employees who drive your vehicles
• If you drive out of state for work on frequent basis
• If you add on custom equipment to your vehicle

Liability Auto Insurance in Tulsa

Liability auto insurance in Tulsa is among the most expensive in Oklahoma. Here at Cheapest Auto Insurance, we can help you get the basic liability limits that Oklahoma requires which is 25/50/25 which is what we specialize in. Liability car insurance rates are based on several different factors here are a few main one's insurance companies in Tulsa use to set their rating factors:

1. Insurance History
2. Age
3. Driving Record
4. Credit Score

Most of the nonstandard auto insurance companies in Tulsa do not run credit that is more of a factor with the larger national carriers the do more preferred insurance. Driving record seems to be one of the most important factors insurance companies use when rating liability insurance policies. Most of the nonstandard insurance companies only offer the state minimum coverage of 25/50/25. The higher your liability limits are the more it will cost you monthly. So, most consumers usually take the state minimum limits so they can save money on their monthly premiums.

Please remember that if you purchase liability only auto insurance it will only cover damage you do to a 3rd party; it will not pay for damage done to your vehicle. If you want your vehicle covered in case of an accident you would need to purchase full coverage insurance. Full coverage insurance is usually about twice the price as liability only. So, it is important to prioritize which is more important saving monthly or having extra coverage that could come in handy in case of accident.

Understanding More About Cheap Liability Car Insurance

1. Watch and learn more about cheap liability car insurance
2. Click and learn more about liability only car insurance in Tulsa

Learn more about Tulsa Auto Insurance

1. Click here to read about auto insurance coverage in Tulsa
2. Click here to watch about the importance of keeping auto insurance active
3. Click here to learn more about your auto insurance policy
4. Click and read about the importance of carrying proper auto insurance in Tulsa
5. Click and read more about finding cheap auto insurance in Tulsa

Why Does Tulsa Auto Insurance Cost More Than Other Nearby Cities?

Tulsa is the second most populated city in Oklahoma — right behind Oklahoma City — with roughly 396,543 people. Also, 3 of the 10 fastest growing cities in Oklahoma are suburbs of Tulsa — which are Jenks, Owasso, and Bixby. Many of the people living in these towns work in Tulsa. Generally, where there is higher population, there is a higher frequency of accidents and also uninsured drivers. These two factors have a huge impact on pricing for Tulsa car insurance.

Below are a few ways you can combat the higher auto insurance rates in Tulsa.

How to Combat Higher Auto Insurance Rates in Tulsa:

1. Set your monthly payments on EFT
2. Sign up for paperless billing
3. Take a defensive driving course
4. Drive safe

Cheapest Auto Insurance can help you find cheaper car insurance in Tulsa by going over all possible discounts. We can customize your policy for exactly what you need.

Auto insurance Companies in Tulsa

There are several car insurance companies in Tulsa to choose from. When searching for the best one for your needs, be sure to read reviews from customers. Firsthand knowledge is usually a good gage on how the insurance company handles their business. Most insurance companies in Tulsa are either holding rates steady this year and some are even dropping rates or giving customer rebates back due to the Covid-19 situation. As long as there are no more major CAT losses rates should hold steady. But if hurricanes or severe hail storms start coming in that definitely could raise car insurance prices in Tulsa.

Click to learn about the best insurance companies in 2023! 

Auto insurance for young adults

Finding affordable auto insurance for young adults can be difficult but not impossible. You will just need to do a little more research and shopping around to find the best price. Young drivers are among the most expensive to insure so we always recommend staying on your parent or legal guardian policy as long as you can, this is the best way to save money. But not all of us have this luxury so if you are going out on your own insurance you will need to be equipped with the knowledge to help you save money because odds are you will need every discount you can get and you will realize that once you start getting quotes. So, we hope to equip you will all you need to know about young adult car insurance in the below link:

 
Click to learn how to find cheap auto insurance for young adults

Auto Insurance for Seniors

Finding the best auto insurance for seniors can be difficult and time consuming, but in most cases your auto insurance rates should drop as you get older and more driving experience. But this is not always the case, once you get over 75 It can be more difficult to get cheap auto insurance. Many companies will require a signed doctor statement before they will bind coverage if you are over 75. If you have been with your current company for a while and had a good experience with them, we recommend staying with that carrier if you are over 75. Here are some of the top companies we have found for senior drivers:

• AARP
• State Farm
• Geico

Finding a local auto insurance broker can be a great tool for seniors to find the best auto insurance.
These brokers can shop around numerous companies for you and help find the best price and coverage for seniors.

Click here to read more about auto insurance for seniors

Click for tips for insurance for seniors 

How to find auto insurance for a car in impound

Your car can be impounded for many different reasons, and it can also be costly to get the car out of impound. Some impound lots will require auto insurance before they give the car back but most do not. After you get your car back it should not affect your car insurance rates from it being impounded. If it is actually repossessed it should not affect car insurance rates either unless your credit was affected and the insurance company, you are with uses credit as a rating factor. 

Click here to learn more about finding insurance for a car in impound

To learn more about finding car insurance for a car in impound click here

How Does Non-Owners Insurance Work In Tulsa, Oklahoma?

Non Owners insurance can often be a confusing policy. On many of the policies in Oklahoma, companies will add an exclusion of coverage if the vehicle is driven on a regular basis for a long period of time.

According to the Department of Insurance, a "non-owner liability policy pays for damages and injuries you cause when driving a borrowed or rented car, but it doesn't pay for your injuries or damage to the car you are driving." Many customers use this coverage to simply get their license reinstated.

If you drive a vehicle on a regular basis and own the vehicle, it is best to actually insure that vehicle (rather than to purchase a non-owners insurance policy). Many times, Non-Owners Insurance is cheaper than a normal auto policy. That said, coverage is much more limited.

One of the things we do here at Cheapest Auto Insurance is help explain all your coverages so everyone can understand them. Feel free to give us a call at (918) 744-5145 or visit one of our three local Tulsa offices to discuss a Non Owners Insurance Policy or any other questions you might have regarding auto insurance.
Click to learn more about finding cheap non owner car insurance.
Click here for additional information on non-owners car insurance 

Independent Insurance Agents

There are an estimated 36,500 independent insurance agencies. This segment of insurance agents takes up a large amount of the insurance sector. These agents work with numerous independent insurance companies and sell their product as a “middleman” and are paid on a commission basis from the carrier partners. Many people like working with independent insurance agencies because of the numerous price and coverage options they can obtain with one phone call. We have provided more in depth information regarding independent insurance agencies in the below article.

Auto insurance for used cars

Finding auto insurance for your used car is one of the most expensive parts of car ownership but also one of the most important since you are required by law to carry at least state minimum limits of liability. Just because you have a used car does not necessarily mean your insurance will be cheaper every time. But we have found in most cases full coverage insurance will be cheaper compared to new cars. This is usually not the case on liability only policies. We have gone more in depth to help you find all the information you need to about used car insurance in the below attachment.

New Driver Insurance

Auto insurance for new drivers can be very expensive. But many auto insurance carriers take into consideration the reason why you are a new driver. Insurance companies charge more on monthly premiums for new drivers because of the lack of experience on the road. They feel this lack of experience can make it more likely for a new driver to have a claim compared to a more experienced driver. We have found ways for new drivers to still find quality affordable insurance. Please read our article below to find out how to find cheap auto insurance for new drivers.

ID Only Car Insurance

Finding ID only car insurance can be difficult and expensive. But here at Cheapest Auto Insurance we have companies who specialize in insuring customers with and ID only. Just because your license is not active does not mean you can't find affordable insurance. You just need to find the right company who specialized in ID only car insurance. We have found that nonstandard auto insurance companies are your best bet for cheap ID only car insurance. You will find these companies at your local independent insurance agency. These agents work with numerous companies to find you the cheapest rate possible. We have gone more in depth to provide you with all the information you will need to find the best ID only car insurance possible in the link below. 

Click to learn more about ID only car insurance

Click to learn how to find cheap car insurance with an ID 

How to get the best ID-only car insurance 

Nonstandard Auto Insurance Companies

Nonstandard auto insurance companies are becoming more and more common especially with some of the big players really starting to enter this market. It is the fastest growing insurance sector currently and we see it continuing to grow. Nonstandard auto insurance companies specialize in providing high risk drivers with affordable basic auto insurance coverage. Many of these carriers will only offer state minimum liability limits due to the risk that bad drivers can bring. But just because you are a high risk driver does not mean that you can find affordable car insurance.

To learn more about nonstandard auto insurance click here 

SUV Insurance

SUVs are becoming one of the most popular vehicles on the road and who you choose to insure your SUV is very important. With auto insurance rates starting to trend up again it is important to call your insurance company before purchasing a new SUV so you can see how much you will be paying. There are several auto insurance carriers that provide affordable insurance prices for SUVs. We have researched all about SUV insurance and want to provide you with as much information about it as possible. Please see the article below to find out more about SUV insurance.

How to get cheap auto insurance quotes in Tulsa

Cheapest Auto Insurance wants to help you find the best auto insurance quote possible. When searching for auto insurance you will see lots of advertisements from insurance companies. So here are a few ways you can help find cheap car insurance in a fast efficient way.

1. Find an auto insurance broker that works with many different insurance companies so you can find the best rate.
2. Find an online quote comparison site that can shop online for you searching through a large amount of insurance companies.
3. Find an insurance company that fits your coverage needs and current situation.
4. Ask for every possible discount you can.
5. Set your policy up on auto pay for your monthly premiums
6. Set your billing up on Paperless Billing.
7. Try to bundle your homeowners' policy or renter's policy with your auto insurance policy for the multi policy discount.

Here are a few local auto insurance brokers close to Claremore that we found for you:

• Melton Insurance
• RCI Insurance
• Dorsey Insurance

Click this link to learn more about why cost of insurance may be increasing! 


Temporary Car Insurance

Temporary car insurance can be a great way to get cheap insurance for a short period of time. We recommend going with an auto insurance carrier that offers a monthly policy or if they only offer a 6-month policy then make sure they pro rate their cancellation refund. If they short rate the refund you could get stuck owing them money if you cancel very quickly after starting the policy. Even though there is no auto policy that is called a “Temporary Car Insurance” you can just tell the insurance company who you are getting quotes through that you intend to cancel the policy very soon and they can find the best for you. Many nonstandard auto insurance companies specialize in this type of insurance coverage.

Foreign License Auto Insurance

Finding cheap auto insurance if you are a foreign driver can be challenging in some circumstances. We do recommend all foreign or International visitors who are here on a longer term or permanent basis that plan to drive an automobile to get a U.S. license. It can be an annoying process though but we feel is worth it in the long run. If you are here on a short term basis we do not recommend getting a U.S. license but instead purchasing insurance from a rental car company or just do ride sharing. In most cases ride sharing makes a lot of sense and can be a great way to get around legally.

Tips on buying insurance for your new car

There can be a lot to buying a new vehicle and one of the most important parts of this process is purchasing auto insurance. Car insurance prices for new vehicles can be very expensive. So, it is important to make sure you take all the steps to get the cost as affordable as possible. We have found a few of the top companies for full coverage insurance on new cars and here they are:

• Progressive
• Geico
• State Farm

It is important to keep your auto insurance policy active and credit score high to receive the best full coverage new car insurance prices.

Most car dealerships will require you to have full coverage insurance proof before they will let you purchase the car lot and leave with the car. Some dealerships will let you carry liability auto insurance through an insurance company and they will sell you the comprehensive and collision coverage part of the policy. It's important to remember though that in most cases the dealership insurance is not legal insurance you will have to purchase state minimum liability limits to be legal on the road.

 All about new car insurance 

Low Income Car Insurance

Low income car insurance is not an actual policy that can be purchased. There are a few states that offer assistance for car insurance for households that qualify. There are ways for households with low income to find affordable car insurance. The two keys for anyone to get cheap insurance is to keep a good driving record for three years and keep continuous auto insurance for at least 6 months. In addition to these two key factors be sure and shop around and get as many quotes as possible, this will increase your chances. You can also consider just purchasing auto insurance with the bare minimum coverage and when you get back on your feet financially you can add on all the coverages you need.

Tips on how to lower your auto insurance rates in Tulsa

It is wise to always try to take advantage of all the discounts possible when you are trying to save on your car insurance rates. Here are a few discounts you can ask for when getting auto insurance quotes:

• Set your billing up on EFT
• Sign up for Paperless billing
• Some auto insurance companies offer a 7-10% discount for taking a defensive driving course.
• Be sure to shop around on your renewal to make sure your current insurance policy still works for you.
• Try to keep an even number of cars and drivers on your policy.

To go a little further on the last discount we mentioned and explain why this is so important. Auto insurance companies like this because it appears as that you have disclosed everyone who has access to drive your vehicles. Undisclosed drivers cost insurance companies a large amount of money each year by having accidents. Auto insurance companies want to be able to underwrite all drivers that are driving a vehicle to provide the appropriate monthly prices.

Truck Insurance

Truck insurance can cost more than regular car insurance in many cases just because trucks are bigger and can cause more damage than smaller cars. This is more on the bodily injury liability and property damage liability section of the policy that you will see the increase. As far as the other coverage sections like uninsured motorist coverage, medical payments, or pip coverage sections of the policy, truck insurance rates on those parts of the policy are very comparable to any other vehicle you would get a quote from. Here at Cheapest Auto Insurance we have companies that specialize in cheap truck insurance, call or text us today for a quick quote!

Online car insurance quote comparison sites

Online car insurance quote comparison sites can be great ways to get a lot of quotes at one time. And as we have discussed many times that is one of the key ways to finding the cheapest auto insurance policy. The more quotes you get the cheaper your insurance is in most cases. If you do choose an online comparison site for your insurance needs it is important to remember that site in most cases is not your actual insurance carrier. They are the middleman and mostly just help you get the policy started initially and do not service the policy going forward. The insurance carrier they set you up with would be responsible for servicing the policy going forward.

5 Things To Look For In Your Next Insurance Company

One of the benefits of going through an independent insurance agent for your auto insurance is the ability they have to quote and place your policy with several different insurance companies.

1. Great Rates
2. Excellent Service
3. Quick Accessibility
4. Convenient Service Options
5. 24 Hour Claims Support

There is no perfect insurance company out there, but there are a lot of good ones. Find one that matches what's important to you and enjoy the benefits of a great insurance experience

Additional resources to find the best auto insurance companies:

1. https://www.aautoandhomeinsurance.com/blog/who-are-the-best-insurance-carriers-video.aspx
2. https://www.aautoandhomeinsurance.com/blog/who-are-the-best-insurance-carriers.aspx

DUI Auto Insurance

Auto insurance rates after a DUI can get very expensive. It is the violation that carries the heaviest points allowed up to 6 pts for just one incident. To weigh that impact on rates an accident I usually 3-4 pts on high end. Auto Insurance companies feel drivers who have had a DUI history are more prone to large accidents. Usually, an accident involving a drunk driver does serious damage to property and people which costs the insurance companies large amounts of money. Drivers with a DUI pay the highest auto insurance premiums in the market. Some auto insurance carriers will decline coverage to anyone who has had a dui in the last 5 years. Here at Cheapest Auto Insurance, we make sure to find you the cheapest auto insurance quote possible even if you have a DUI on your record. Here are a few auto insurance companies that we found who offer auto insurance after a DUI:

• The General
• Traders
• Safe Auto
• Save Money Car Insurance
• Jupiter

Auto Insurance with a Suspended License

Finding cheap auto insurance with a suspended license can be very difficult. Auto insurance is expensive enough with a normal license let alone with a suspended one. A lot of insurance companies surcharge up to 4 points on an auto insurance policy for having a suspended license. This can raise your rates up to 30% on your monthly premiums. Insurance companies also look at the reason why your license is suspended and rate accordingly. Some auto insurance companies will even deny you coverage if your license is currently suspended. We have found nonstandard auto insurance companies are the best fit for drivers with a suspended driver's license. Drivers with a suspended license are considered high risk drivers as far as insurance companies are concerned. Here are a few auto insurance companies we found who offer affordable rates for drivers with a suspended driver's license:

• Save Money Car Insurance
• The General
• Safe Auto
• Venture
• Key

How to find cheap auto insurance with no license

Drivers who do not have a driver's license will pay more for their auto insurance compared to what the cost would be if they have an active license. But one major misconception about auto insurance is that people think you cannot get auto insurance without an active license, but you absolutely can. It’s going to be more expensive but it is very doable. Here are a few tips for you to help keep your auto insurance affordable if you do not have a license:

• Sign up for auto pay on your monthly payments
• Sign up for paperless billing
• Keep a clear driving record for 3 consecutive years
• Shop around at your renewal to make sure your current company is still the cheapest
• Keep active insurance for 6 straight months for prior insurance discount
• Get a State ID as a form of identification

These are just a few tips to help you get cheap auto insurance quotes without a license. The best thing you can do though is keep a safe driving for 3 years and get as many quotes as possible. The more quotes you get the better your chances of saving money on your car insurance premiums.

Learn more about vehicle insurance without a license here! 


Insurance in Tulsa

There are several different types of insurance that you can purchase in Tulsa, here are the core segments of insurance to choose from:

1. Auto Insurance
2. Homeowners Insurance
3. Commercial Insurance
4. Life and Health Insurance

Before you can sell insurance in Tulsa you much be a licensed agent. You must pass the test required by the Department of Insurance and then pay your applicable fees. Then you much complete CE requirements and pay license renewal fee to keep your license active. Insurance can be complicated which is why it is important to purchase it from a licensed agent who can go over the coverages you need. If you have ever had a claim and were not adequately covered you will understand why it is so important. Nothing is worse than thinking you have a certain coverage and finding out after a claim you do not have that coverage and have to pay for the damages out of your pocket.

Most all segments of insurance in Tulsa have stayed pretty steady price wise except Health Insurance. Health insurance is the one segment that usually rises on a consistent basis. Insurance is like anything else very susceptible to inflation so you will usually see small steady rises in cost across the board.

The more body shops charge insurance companies to repair cars for instance has an effect on how much everyone pays for insurance. And just like any type of insurance the less claims you turn in the less you pay for you premiums.

Do I need an auto insurance broker?

Auto insurance brokers can be a great option to shop car insurance quotes through multiple companies with one call. This saves consumers a lot of time and hassle because we all know that no one enjoys calling around for auto insurance quotes. We have found some of the larger auto insurance brokers in Oklahoma and Texas that can help do all the auto insurance shopping for you:

• Amax
• Baja
• Cheapest Auto Insurance
• Best Insurance
• La Familia
• Advantage 1
• Freeway

Some of these companies are contracted with over 100 different companies so you will see how this could be an advantage to the consumer to get that many quotes with one call. With anything though there are pros and cons about purchasing auto insurance from a broker.

Auto Insurance for Older Cars

Auto insurance prices for older cars are generally cheaper than newer cars especially when it comes to full coverage. As far as liability only it's not a big difference in price. However, there are a few companies that offer discounted rates on older cars even on liability only like Progressive. They are recognized as industry leader when it comes to the best prices on older cars. There is a lot to know about insurance on your older car and things you can do to save money. Please see more info below to learn more ways to save on older car insurance

Future of Insurance in Tulsa

Insurance in Tulsa is ever changing with the InsurTech companies coming on the scene you can purchase almost any type of insurance completely online on your own. Which is such a different experience of working directly with an agent face to face like has been done for so long. There are still many customers that want that face-to-face interaction because insurance can be complicated especially when you get into homeowners and commercial insurance. There can be a lot of exclusions and endorsements in these policies that for the consumer may be difficult to understand. But we feel the future of insurance is a direct-to-consumer model. Face to face may not go away completely but with the amount of new tech companies coming into the industry we expect insurance to continue to head in that direction on a furious pace, especially in the automobile insurance sector. Automobile insurance is much easier to purchase compared to other segments of insurance. Many of these new tech companies have affordable auto insurance rates but it is yet to be seen how claims are handled and can they be profitable on the underwriting side, which usually takes years to tell. Thankfully at Cheapest Auto Insurance we have companies that allow Tulsa drivers to start your policy online yourself or come face to face to speak with an agent at one of our Tulsa locations. To read more about the future of auto insurance click here.
Check out this video to learn more about the future of auto insurance

How to find cheap auto insurance online?

When getting online car insurance quotes, you need the same mindset as if you were speaking to an agent. First off have all your information ready so the quote can be accurate. Secondly, tell the truth so your quote will be accurate. Try to get as many discounts as possible, here are a few you can check when getting online quotes:

• Sign up for auto pay
• Sign up for paperless billing
• Take a defensive driving course
• Pay your policy In full for six months

Some auto insurance companies offer a discount for doing the insurance online compared to speaking with an agent. So, if you understand auto insurance coverage this can be a very good option for you to save some money on your insurance. Just make sure you research the company you are looking at before you pay for the policy. The more research you do the better and the more quotes you get the chances of finding cheap rates will increase.

Importance of doing annual auto insurance check-up

Our lives are always changing and so are our coverage needs for our auto insurance policy. It is important to contact your auto insurance company or auto insurance broker on a yearly basis to go over your policy with them. Here are a few things to mention to your company or broker to make sure you are still covered correctly:

• Make sure you have all the discounts you deserve on your policy and do they suggest any more discounts you should look at.
• If you just bought a home you should consider bundling that with your auto insurance policy for a multi-policy discount.

Cheapest Auto Insurance strives to make sure all customers have the time and attention they need from us to be sure they have the coverage they need. Call or text one of our experienced agents to review your coverage today!

Learn more about why auto insurance rates are rising in 2023

Check out this article to learn about insurance deductibles! 

Learn how to save money with rising insurance rates 

Best Insurance Companies in Tulsa

There are many insurance companies in Tulsa to choose from. So, we want to help you find the best one to fit your needs. It is important to view customer reviews on the insurance company you are getting car insurance rates from. We have found one of the best ways to do this is reading the insurance company’s Google Reviews. This gives you a true look at what customers are saying about the specific insurance company you are looking at from the customer’s point of view. This will take your focus off solely looking at price but also weighing in customer experience to make your final decision. We know we are not perfect but as you can see by our reviews below, we do our best to take care of every customer and try to find them insurance in Tulsa at an affordable price regardless of driving record and insurance history. We would love to be your insurance provider, please check out our reviews below and see if we can help save you money on your insurance today!
3245 East 15th Street
9747 East 31st st
6030 South Memorial Dr
4024 South Yale Ave

FAQ-Auto Insurance in Tulsa

FAQ- Auto Insurance in Tulsa 

Get Started Today

Cheapest Auto Insurance wants to be your neighborhood insurance partner in Tulsa. You can reach one of our agents via phone at (918) 744-5145 or get an instant online quote.

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Note All rate data is generated as part of The Zebra's industry-leading annual insurance rate study.

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