Find Cheap Car Insurance in Oklahoma

Insurance is one of those things we all feel like we pay too much for.  It’s hard to understand the value of something we cannot hold in our hands.  However, if you’re ever involved in an accident, no price is too high for the comfort in knowing that you’re covered. 

So, how do you find cheap car insurance?  If you’re looking for just the basic coverage you can use the following tips to find the lowest rates in Oklahoma.

First, comparison shop locally with an independent agent.  Independent agents can quote with several different companies at once to find you the best deal.  Just be honest and accurate in answering the agents’ questions and you will receive accurate quotes. 

Second, maintaining a good driving record can help keep your costs down. This simply means to avoid accidents and tickets.  Don’t drink and drive.  Follow all driving laws.  Penalties can add points to your record and make your insurance rates much higher. 

Third, never let your auto insurance lapse. Even if you are not driving the vehicle, continue to keep the insurance paid if you can afford it.  Insurance companies take your insurance history into consideration when figuring rates.  When you have continuous insurance for at least 6 months or more, it definitely counts in your favor.  In addition to this tip, remember to always pay your policy on time. Late fees can pile up quickly, and defeat the purpose of cheap insurance!

Oklahoma car insurance laws require that you carry only liability insurance on your vehicle in the amount of 25/50/25. This means that if you are involved in an accident, you must have $25,000 for injuries to the other party, $50,000 maximum per accident, and $25,000 for property damage.  However, if the accident causes more damage than this coverage, you must keep in mind that you could be sued for the balance of the costs.  You can purchase higher limits of liability to insure that damages are covered.  Additionally, this basic coverage does not offer any personal injury or property damage for you or your car.  It simply protects you from being sued for damages due to an accident.

You must also keep proof of your insurance in your car. If you are stopped by any officer, you must show your current security verification. In addition, when involved in an accident you should also show your verification to the other parties.

If you find you’re unable to obtain car insurance in Oklahoma, there is a state program called the Oklahoma Automobile Insurance Plan. It was started in 1950 to help everyone, regardless of their driving records obtain proper insurance. Any Oklahoma agent can write up this type of plan for you to purchase.