Understanding how much insurance you need, and how much you have to carry, is sometimes a bit tricky. That's why you have your auto insurance agent to help you.
Your Oklahoma City agent can help you build an insurance policy that meets your needs. However, take some time to learn what to expect when you buy insurance in OKC.
Oklahoma Auto Insurance
Like other states, Oklahoma requires drivers to carry minimum levels of liability insurance. States have instituted these requirements for a multitude of different reasons. However, auto insurance requirements help protect all drivers on the road. Insurance is a barrier against the financial losses that often follow uninsured drivers.
Oklahoma's required levels are commonly referred to as 25/50/25 policies:
- $25,000 bodily injury protection per person
- $50,000 coverage per accident
- $25,000 property damage coverage
Even with this coverage, there are a lot of other considerations you need to take into account.
Considering More Insurance
Though Oklahoma has insurance requirements, these required levels are minimum coverage. For that reason, it's wise to consider extra options for coverage. You might consider adding collision coverage, medical payments, and even comprehensive coverage to help with excess expenses.
Additionally, the state levels might not be enough to cover your specific vehicle's risks. A car's value and accessories might necessitate more coverage. Furthermore, your driving history may increase your risks, mandating more coverage.
Your Residence Will Likely Affect Rates
Location does impact auto insurance rates. The average cost of a car insurance policy in Oklahoma is around $1,200 annually.
If you look at the average rate by city, Oklahoma City trends towards the higher end of this average. Costs range between $700 and $1,300 annually depending on your insurance carrier. A smaller city, like Enid, has rates between roughly $675 and $900.
Oklahoma City is the largest urban area in Oklahoma. Therefore, there are more drivers on the roads across OKC than there would be in a town like Lawton or Ada. Additionally, Oklahoma City faces a relatively high car theft rate. ValuePenguin reports an average of 729 car thefts per 100,000 residents. These and other factors might impact your car insurance rates.
This is why you must take care when searching for the correct policy. The State of Oklahoma might require certain levels of insurance, but these minimum requirements may not be enough for you. Your insurance agent can work with you in a variety of ways to help you get the correct levels of insurance. They can ensure that you meet all lawful requirements but also don't pay too much for your coverage.
Don't Drop Your Liability Limits
Every Oklahoma City driver wants to save on their rates. The city's car insurance rates are among the highest in the state, on average. Therefore, if you have a tarnished record, you might pay more than you like (or can afford) for your coverage. You'll want to save as much as you can as a result. You might even feel like you need to drop your coverage to the minimum levels just to afford it. Here's why.
All Oklahoma drivers have to carry liability insurance. Maintaining only that which is required by the state could still put you in the way of financial harm. So, even if you pay a low price for your coverage, you will suffer financial struggles in the event of a vehicle accident.
Liability coverage does not pay you, the policyholder, directly. Instead, it pays others for the damage you might cause them. For example, if you hit another car, the bodily injury coverage will pay others for their medical costs. Property damage coverage will pay for damaged assets, such as their vehicle.
However, just because you have to carry liability insurance doesn't mean you only have to carry that protection. Most policyholders can add more liability insurance to their policies. They can also often add coverage for their own vehicle damage, medical costs, and other bills arising after accidents.
Still, a policy that only includes the minimum coverage is likely the cheapest. Therefore, if your tarnished record drives your premiums up, you might feel tempted to drop your coverage to the minimum limits. Don't do it.
Why You Shouldn't Drop Coverage
If you only carry the minimum required liability limits, you'll leave yourself a lot of holes in coverage. Those holes might equal more personal costs, should accidents happen.
- If you only have liability coverage, you might have no assistance available for your personal losses. Therefore, your policy won't help you pay for such items as wreck damage or bodily injury costs following hazardous occurrences.
- There is no guarantee that accident costs will fall within the limits of your liability insurance. What's to say an accident might cost $50,000 in property damage, but you only have $25,000 in coverage. Therefore, that's another $25,000 that you might have to cover out of your own pockets. Still, there are ways to avoid this fate. If you increase your liability limits to more than $100,000, for example, you might have coverage. We recommend that you do so.
There are other ways to save on your car insurance costs. For example, you might be able to qualify for policy discounts even though you might have a poor record. Therefore, you can still ensure you pay the most affordable cost for your coverage.
Best Auto Prices in Oklahoma City
Buying a car of your own requires a lot of research. You have to look for the budget and the type of car you want. The auto market of Oklahoma City is full of different choices but the main focus is to choose the best price for your car. Apart from buying a car, you also have to get it insured according to the laws of Oklahoma.
You will definitely don’t want to get in a car accident. No one wants this but the fact is the percentage of car accidents is increasing day by day. If we talk about Oklahoma City, the percentage is increasing in the city too. Even if you drive with a lot of care, still there are chances that you might face an accident. The future is unpredictable and that is why there is a need to be prepared for it beforehand. In the case of your car, this future preparation is done in the form of auto insurance.
Decisions Before Buying a Car
Buying a car in Oklahoma City requires some consideration of different points that are explained below:
- Consider your budget: While buying a new car, you need to have the information about the amount you can spend. The type of car you will get will depend on the amount of money you will be spending.
- Determine your needs: Once you have decided the amount of money you will be spending on the car, you need to consider your requirements. It will include some basic points like if you are single, you can buy a car with less capacity. If you are not medically healthy, you need a car that will be easy for you to sit in.
- Determine your wants: Buying a new car is a big decision. You are going to spend money so, in return, you should have something according to your wants. Decide the color, style, image, fuel economy, reliability, comfort, and capacity of the car before buying it.
Buying Your Car Insurance Online
When it comes to buying your car insurance online around the Oklahoma City area, without a doubt the cheapest deals can be found online, this is simply due to the fact that companies who sell car insurance online don’t have the overheads that high street companies do or have to have large amounts of staff and can pass these savings onto you by offering cheaper premiums and incentives. Here at Cheapest Auto Insurance, we operate as one of the Number 1 places to shop online because of the ease of service and convenience. We do have agents in the office but with smartphones and computers are clients enjoy writing policies at home or work in their own comfort.
Not only can you usually get the cheapest premiums by shopping online but you can do so all from the comfort of your own home, you are able to shop online at any time that suits your needs 24/7. Along with this, you can also take full advantage of being able to get almost instant quotes and also compare a huge range of policies and rates with a lot of companies at the same time. Especially at Cheapest Auto Insurance in Oklahoma City, Moore, or Norman because we have one of the best and top trusted networks of companies in the state. By doing this you ensure that you get the policy that you need while making the most savings. Another added benefit to shopping online for your car insurance is the amount of information you can find when it comes to the many different types of policies available.
The type of policy that you buy for your car insurance covers you for exactly the same as it would have you bought it from the storefront or major brand, the only difference is that you make savings. When making a comparison check for the cheapest premiums it is essential that you make sure you know what the policy involves.
Some companies throw in incentives to get to sign with them such as offering free breakdown cover for a specified amount of time or similar offers and this is where you are able to make the biggest savings. Or some companies have more discounts than others. This is once again another huge benefit to shopping with Cheapest Auto Insurance, we make sure you get all the discounts possible.
Bear in mind that if a policy is exceptionally cheap then it will probably only cover the very bare essentials and somewhere in the small print it could state that you will have to add additional coverage. This is when the cheapest isn’t always the best, as having to add on the cover can boost up the premium considerably. But we make sure you fully understand and educate you in the case you just need the bare minimum to get back on the road!
Before making comparisons for premiums you will, of course, have to know what type of car insurance you require and of course what that cover will give you. There are two main types of insurance and these are full coverage which is the most expensive as it generally covers just about everything and third party which covers incidents such as the theft of your car or acts of God like wind and hail.
There are many other additional components when it comes to car insurance and you would be wise to check the options that are available. Of course, the cover you need will depend on such as your age, type, and size of the car and how old the car is.
The benefits definitely outweigh shopping in person and tend to be way more convenient. Most people do not have the time to go to each and every agency to get a quote. Luckily here at Cheapest Auto Insurance, we have offices in Oklahoma City and we have over 35 years of experience with tons of trusted companies to quote with. Were are an Independent Insurance Agency which means we don’t have to write your insurance with just one company and only once choice but we have many companies. Just do a quick google search of an independent insurance agents if you would like to learn more. We provide amazing rates due to this and we are happy to serve you as well.
Can You Drive In Oklahoma City Without a Driver's License?
Oklahoma has some strict rules for driving without a valid insurance policy. Every citizen must have a minimum 25/50/25 insurance policy coverage in order to drive on public roads. However, getting an insurance policy can be tricky and sometimes annoying. You might get confused by the various options that are available at your disposal. Finding a policy which suits your need can be a hassle which may take too much time to overcome. Hence, comes in the local agents to your aid. Local agents are specialists and those who study the insurance policies and help you in selecting the best fit for your situation.
Getting different quotes from different insurance providers and comparing them with each other is yet another way of selecting the best for you. Thanks to the internet that everyone has access to all the quotes available out there. Many people have a misconception that- you need a driver license for getting a policy or a quote. We must make it clear that there is no such limitation. It does not matter if you have a DL or not, you can easily get any quote you may want. There are many companies out there which provide insurance quote as well as policies to those who do not have a DL.
There can be a number of reasons or situations where you may have a vehicle but no driver's license and it is completely fine. It is totally legal if someone is offering your an insurance policy even though you can not present a driver license in front of them. Although companies use a driver's license as identity proof, you can bypass this by stating an honest reason for your deficiency of the DL. If you have a local agent working for you, then he/she must have taken care of it before setting you up with the policy. So that you do not get caught up in a trouble in the near or distant future. If you are getting a quote online, then just input '0' in the DL time period if necessary. Getting a quote or a full-fledged insurance policy is not affected by your status of having a driver's license or not. However, we recommend that you do not drive the vehicle without it.
If you are cited without a Driver's License you may have to pay penalties and face convictions. In fact, if you get cited without a Driver's License in Oklahoma, you would have to pay a penalty of no less than $50 and you may also get some temporary suspensions based on your situation and timing.
You can get an online quote directly from us at aautoandhomeinsurance.com. It doesn't matter if you have a Drivers License. We are happy to provide you with the most suitable quote for you. We judge your situation with all the inputs that you provide us and generate the closest insurance quote for you. You would find our prices exceptionally reasonable and affordable. We provide one of the cheapest and most detailed quotes that you would find in Oklahoma. If you are outside Oklahoma then worry not, we have other branches near you. You can also get all your related questions answered by us by calling your helpline numbers.
How To Find Car Insurance in Oklahoma City
It is a necessary ritual for every car owner to get an insurance cover for their automobiles. Are you nearby in OKC? Maybe you just came in and you are having concerns on how to get the car insurance for your automobile; your search ends if you take the pains to read through this informative article that bothers on how best to get a good insurance policy for your car.
No doubt, there are some pretenders around in the business; that should not be strange to you because this scenario applies to every field of endeavor under the sun. You can get a free quote for OKC car insurance through the various agents spread across the city. However, some of these insurance firms fail to deliver on the promise when reality meets with their promise in black and white.
So how do you find them in OKC? Like it was earlier said, you will get to know them through their online portals. There are many of them, if care is not taken, they will get you rather confused than convinced. In order to avert this confusion, here presented below are the hallmarks of a Car insurance company that will deliver on promise:
- The best of these insurance outfits that are really good have a wide scope of operations. Some of these insurance outfits are restricted to certain areas. The very best among them have little no go areas. The thread where some of their competitors fail to make an impression. So before you commit your insurance to any; probe into their no go areas; the good ones will have a wider spread. The surprise is, despite their spread, statistics go to show that they rank among the cheapest! What more can you ask of.
- They are no shylocks. They come with a whole lot of incentives and discounts for their clients. Their customer service is amazing; their rates are excellent. It will only take a few minutes of your time to discover all these benefits through their portals.
- In considering the good ones, be on the lookout for their availability. The good ones will avail you of their services 24 hours in a day. They are available on the roadside in case you have issues with your car; they will avail you of prompt towing service. All that these good ones want from you is a call to their customer service and they will respond to your distress call asap. Their discounted rates bring in a lot of added values and incentives to your insurance policy.
- Check the length of years that they have been in business. Do they have the capacity to weather the storm when the clouds get dark? You definitely do not want to commit to a policy that will disappoint at the moment of your trials.
- The rave reviews of customers say it all. Check the column and read firsthand what they have to say. Were they satisfied or not? Let what you read here guide your final decisions- customers don’t lie.
How to Save on Your Insurance in Oklahoma City
Oklahoma City is the largest city in the Sooner State. Because of the significant traffic risks in the area, drivers might pay higher-than-average premiums for their car insurance coverage. All the same, our dedicated agents can help you save on your rates. Here are just a few of the ways you can benefit by letting us help you get covered.
Oklahoma City Car Insurance Costs
Auto policies for Oklahoma City drivers cost, on average, about $1,886 per year. Those are the second-highest average rates in the state, $272 more than the mean Oklahoma price.
By law, you have to carry car insurance in Oklahoma. However, the more coverage you buy, the more your policy might cost. Even so, you should be able to get as much coverage as you want at a fair price.
Adjustable Policy Limits
Once you have Oklahoma's required auto coverage, you have a choice of if you want extra coverage on your policy. Our goal is to make sure you get as much coverage as your budget will allow. We can increase your coverage, but we won't let your premiums rise arbitrarily as a result.
At Cheapest Auto Insurance, we work with a network of multiple auto insurance providers. So, you will have options when selecting coverage. We'll help you set the appropriate coverage limits, but we'll also find the policy that offers the most affordable premium. Also, as your coverage needs change, we'll be able to adjust your policy so that you never wind up carrying too much or too little coverage.
Deductible Options
If you have coverage for damage to your vehicles, such as collision and comprehensive insurance, then you will likely have deductibles on coverage. You'll pay the deductible cost before your policy will cover the rest of the costs of a damage claim.
Sometimes, the higher the deductible you carry, the lower your premium might prove. However, higher deductibles will place more of a cost burden on you if you make a claim. We are experts in helping you tailor deductibles. The right balance will keep your personal costs affordable and stabilize premiums.
Discounts and Savings
Multiple insurers offer discounts for car insurance policyholders. If you qualify for a discount, you'll have a portion of the premium reduced. Some of these include:
- Accident-free discounts for those who go years without wrecks
- Safe driver discounts for those who don't commit any traffic offenses
- Senior discounts for those aged 50+Discounts for safety features, such as anti-lock brakes or stability control
- Military discounts
- Bundling discounts — if you buy your auto, home, renters or other coverage from the same insurer
Additional Discounts
Car insurance companies in Oklahoma City consider many factors in deciding car insurance rates. They have to ensure their own maximum protection because it allows them to provide proper funding to expected levels in case of accidents, the resulting medical and car replacements, property damage and car thefts. While car insurance companies want to make the insurance process simple and effective, they follow a very strict filtering process that defines who'll pay what insurance rate. Here are ways to get cheap car insurance in Oklahoma City.
Buy anti-theft devices
When you buy a new car, you should buy anti-theft devices. It is giving your car extra protection. The insurance company will give you special discounts, as the vehicles are safer with these devices. They call it as window sketching.
Don't drink and drive
If you drive drunk, the probability of an accident is off the scale, leading to bad driving record. This record will make you lose the chance to get a cheap car insurance in Oklahoma. After a drunk driving conviction, your insurance rate will go up, sometimes by thousands of dollars a year. A good driving record in hand is the key to best car insurance rates.
Buy car insurance from well-established companies
Most often, only established car insurance companies are granted permission to offer policies in Oklahoma, and they may have lower rate programs. Every company has different rates and programs; however, a small company that maybe shouldn't have even gotten approved to sell insurance somehow slips by and can't offer lower car insurance rates as their resources are limited. Be wary of rates that seem too low to be true. Perhaps that company finds a way to not pay claims. The worst feeling is thinking you have car insurance and then after years of paying your policy on time and in good faith you file a claim and it's denied and you're stuck with paying for repairs and hospital bills out of your own pocket. Deal with credible companies.
Live in an area with low crime rates
If you are residing in an area where auto thefts are on a gradual rise, then your car insurance is going to cost you dearly. Move to a safer place. Want cheap car insurance rates in Oklahoma? Get multiple quotes. Deal with a local company, national company and an internationally based company. Compare their quotes side by side and let them know you're seeking their lowest rate offered.
Insure all of your vehicles with the same company under one policy.
The insurance company wants all of your business, and they will give you a discount to insure more than one of your vehicles. However, it is good to talk with your agent before buying any new policies and see what savings are available by combining coverage.
Keep your credit history clean. People with good credit ratings are seen as less risky and better customers than those with poor credit. Some insurance companies check your rating and will give you a discount if they like what they see. By the same logic, if you know there are some blemishes on your credit history, you may want to find a company that doesn't check your credit history.
Combine home insurance with auto insurance
If you combine, your home insurance with the auto insurance you get attractive rates .You may check with some insurance companies, which give high discounts for this dual policy. There are some more discounts available for your car insurance. If you drive accident free and ticket free for three years or if you drive less than 12,000 miles in a year you can get more discounts from the insurance companies. Remember, though, that price isn't the only issue; you also want reliable coverage and good service. Take the time to research all the companies you are considering. The Internet is a good resource for this. Do your homework and remember these tips, and you can get the best insurance for your money.
How to Insure Your Motorcycle in Oklahoma City
The times that we are in calls for prudence in spending- no thanks to the global economic meltdown that is affecting the whole world. Even the world’s greatest economies are not left out. If you are in OKC and you own a motorcycle, then there is news for you through this educative straight to the basics financial write-up.
Maybe the insurance coverage on your Motorcycle has been eating deep into your lean resources; there is a ready solution here. All that you need is to diligently digest the tips that are laid bare here and your expenses on the insurance coverage on your motorcycle will be brought down from the top of the roof.
The world is now a global village and virtually everything can be done on the internet. There are many insurance companies in OKC that offer cheap insurance on your motorcycle. Just log on to their various sites; take your time to digest what they have to offer; then you can take a pick from any of them. Their services are generally similar. Most of the good ones come with discounted rates.
Let us take a look at what you stand to benefit from most of these cheap motorcycle insurance companies in OKC. A careful study of what some of them has to offer was carefully taken and the following were the summations. All you have to do now is to arm yourself with these facts and use it as a guide in choosing the insurance cover that meets your fancy. You must consider these factors:
Discounted offer- When you quote ahead of the date of commencement of your policy, you get a discounted rate. That is a big bonus.
Safe driving- If you can avoid any form of accident for three years at a stretch, then you get huge savings.
Automatic bill pay-Once you complete your quote with any of these cheap Motorcycle insurance companies, waste no time to sign up for automatic bill pay. The wisdom in this is that you will automatically lower your rate.
Motorcycle endorsement- if your motorcycle is endorsed in addition to your driver’s license, another discount will be added to your cheap Motorcycle insurance.
Safety course- Complete an approved safety course; no matter your records in driving, you will surely get another benefit of discounted insurance.
Savings on other policies- When you do business with some of these cheap Motorcycle insurance companies in OKC, you will save money on other insurance policies that you have with them aside from that of your motorcycle.
Home owner discount- If you are a homeowner, you also get a further discounted rate even when these cheap Motorcycle insurance companies are not the ones that insured your home
Pay on time- This is perhaps the easiest discount of all that you can ever get. Be consistent in early payment on time for a year and your policy will be lowered on renewal the following year.
New to Cheapest Auto Insurance?
No matter your insurance needs Cheapest Auto Insurance is able to find the cheapest insurance for you and your vehicles. We have live insurance representatives ready to assist you and help you find the best coverage. To get a quote, call us at 405-703-4077 or if you would rather get a quote online click here!