Affordable Car Insurance Auto Insurance in Oklahoma - Compare Rates

All the drivers of the Sooner State, it is mandatory for you to purchase a minimum liability cover. Purchasing the minimum insurance will allow you to drive legally in the State and you won't have to pay any heavy penalty or risk your driving privileges.

The state of Oklahoma follows a Tort system which means that if you are at-fault then your insurer will have to pay for it.


Bodily Injury Liability
>> This will cover the expenses of injuries caused to the victims and will also cover the legal costs if you are sued, as you caused the accident.
>> The limit is $25,000 per injured person up to a total of $50,000 per accident.

Property Damage Liability
>> It will pay for the damages that you caused to property of others. It will not only include a car but also other items like a mail box and a tree.
>> The minimum limit is $25,000 per accident.
>> This basic coverage is often referred to as 25/50/25 coverage.

Purchasing the minimum coverage will keep you away from penalty but it won't safeguard you if involved in an accident with uninsured or underinsured driver. Uninsured/Underinsured Motorist Bodily Injury coverage will cover injuries caused by such a driver. If you don't have this cover, your insurer will not pay for the damages. The reason being the State follows a tort system and only the at-fault driver's insurer is supposed to pay for the damages.

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You can also have options of customizing your coverage with the help of collision and comprehensive coverage.

The collision coverage pays for any damage to your car due to a collision with another car or any other object.

A comprehensive coverage means a total insurance. It will cover damages to your car caused due to multiple factors like fire, theft, vandalism, hurricane, flood, and animal or bird impact.

Using the internet to obtain quotes from several companies will make your job far easier.

It is necessary to remember that only lower premium rates don't matter. If the company's financials show instability and consumer reports reveal shoddy performance, then it is better to not consider that company (even it offers you lower costs).

You can save money on your premiums by increasing your policy deductibles. If you can afford it then there is no harm in going for it.

Today companies offer a variety of discounts in order to attract and retain the customers. So whichever company you choose, don't forget to take advantage of the discounts.

Discounts may be available for:
>> Anti-theft Devices
>> Good Student Grades
>> Drivers Education
>> Claims-Free Discount
>> Senior Drivers etc.

Oklahoma Automobile Insurance Plan:

If you are having problems finding auto insurance in the voluntary market you should go for Oklahoma's Automobile Insurance Plan. This program will help you to buy insurance but it might be at a higher premium, so use this option as the last resort.

So the Sooner State drivers....

The sooner you buy the insurance coverage, the better it is.....

Don't think of it as a waste of money but as an opportunity to safeguard yourself and your family against uncertainties.

Happy shopping!!

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