Insurance companies set prices for location of domicile, then on to the individual's profile & MVR, and also from what they find here
http://www.privacyrights.org/fs/fs26-CLUE.htm#6 at the CLUE database. (See part 7) Every reported claim finds a home there, even a $0 claim my wife called in to the insurance company by mistake.
I could tell you what I pay in NW CT, but it would have little to no relevance to a Tulsa price.
I found too that the difference between buying the CT state minimum required insurance, ($20,000 / $40,000) and bumping up the coverage to the maximum allowed coverage ($100,000 / $300,000) prior to an additional umbrella policy was very cheap. I think maybe $75 or $100 a year for the extra coverage? $40K don't go too far these days - maybe the first 8 lawyer calls? ;-)
I hate surprises in policy limits after a claim. Found out the hard way on a pollution claim. A weasel boy on an excavator working for the neighbors popped a heating oil line on my commercial property. As no one was there to actually see him do it, he went weasel boy on me, the two insurance companies agreed, and it's all on me now.
weasels...
