Whether you drive a pick-up, SUV, van, sports car, smart car, clunker, compact, lemon, jalopy, or a sedan - you deserve to drive it knowing it's covered by a policy that fits. To get started, click above to get your free, no-obligation auto, RV, or motorcycle quote!
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy liability coverage. Currently the minimum liability limit required in Oklahoma is $25,000 per person and $50,000 per accident for bodily injury, and $25,000 property damage. If you're financing a car, your lender may also require comprehensive and collision coverage and specify maximum deductibles.
Auto policies are either for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
Not only is having insurance a prudent financial decision, many states including Oklahoma require you to have at least some coverage.
Call us today or click below for a quote from your local independent insurance agent. Our goal is to provide the cheapest insurance policy with the right coverage for each client. We have multiple companies to work with to make sure your policy offers the best value available.