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Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Auto Insurance Information

What is auto insurance?

Auto insurance protects you against monetary 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.

 

 

 

Buying a new car can be exciting, but make sure you're fully protected before you drive it off the lot



 

Auto insurance provides property, liability and medical coverage.

  • Property coverage, known as comprehensive and collision, pays for damage to or theft of your car. 
  • Liability coverage pays for for bodily injury or property damage caused by the policyholder to someone else.
  • Medical coverage pays for the cost of treating injuries to people involved in the accident.

An auto insurance policy is made up of several different kinds of coverage. Most states require you to buy some, but not all, of these coverages.  In Oklahoma, you are required to purchase liability in order to drive legally.  If you're making payments to a bank or leasing company, your lender may also have requirements.

All auto policies are for six months with some companies offering a full year option.

 

Why do I 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 are responsible for damage or injury to others, you may be sued for much more than what you have in savings. 

 

Questions to ask your agent

 It is your Independent Agent's job to find auto insurance that meets your specific needs. Here are a few things to ask yourself as you get ready to talk to your agent:

  • How much can you afford to pay if you get in an accident? (To keep your premiums low you may want to choose a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and good student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
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