Oklahoma Auto Insurance
Providing Auto Insurance for Oklahoma City, Tulsa and Surrounding Areas
Bargain Insurance Connection specializes in helping drivers of all kinds get the motor vehicle insurance that is perfect for them no matter where they are in life. We strive to take common concerns about high prices, inadequate coverage and denied claims out of the question when helping our customers get optimized auto insurance. We seek to find you the most affordable policy that also offers the most comprehensive level of benefits for your needs.
Given its location near the center of the United States, Oklahoma is a crossroads for several major national highway and interstate routes. Plus, its infrastructure system plays a vital role in connecting rural areas with major urban centers like Tulsa and Oklahoma City. All Sooner State drivers must remain conscious of driving risks whenever they get behind the wheel. Being prepared means having the appropriate auto insurance in place in case of any unexpected hazard.
To get your auto insurance policy today, call us at 1.877.453.7374 or request your free quote now!
Common Oklahoma Auto Insurance Questions:
What is Auto Insurance?
In Oklahoma, there were more than 73,000 vehicle crashes (and 640 fatalities) in 2019. That’s an average of 201 wrecks per day, according to the Oklahoma Highway Safety Office. It doesn’t matter whether you live in a major city, like Oklahoma City or Tulsa, or a rural community; you are at risk of vehicle wrecks, theft or multiple other hazards. Auto insurance is a promise of financial assistance in case the worst ever happens.
A driver agrees to pay the insurer for their auto coverage; the insurer, in turn, agrees to provide payment and other support to the driver in the event of unexpected, unavoidable vehicle accidents or other problems. With it, drivers will be reassured that they can recover from such challenges with minimal personal financial losses.
How does auto insurance work in Oklahoma?
Any challenge or damage involving your vehicle could get very expensive, and it’s only natural to worry whether you will be able to afford such costs. Auto insurance will guarantee that you can. You can file a claim against this policy for accident costs and other losses. The policy then pays a settlement to aid you in your recovery costs. You’ll be able to recover from these issues without paying an arm and a leg.
What does auto insurance in Oklahoma cover?
The average auto insurance policy can offer numerous benefits to Oklahoma drivers, including:
- Liability insurance: When an accident is deemed your fault, this coverage helps you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.
o Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.
o Property damage liability coverage: This pays for damage to the other party’s property.
- Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
- Comprehensive insurance: This coverage pays for damage from non-collision mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
- Medical payments coverage/Personal injury protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
- Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
- Roadside assistance
- Rental car reimbursement
- Custom parts coverage
- Vanishing deductibles
Is Auto Insurance required in Oklahoma?
By law, all drivers registered in Oklahoma are required to carry minimum levels of auto insurance. Oklahoma is an at-fault state, which means that drivers who cause accidents must pay for both their own damage and injuries and those of other involved parties (i.e., other drivers).
As a result of these at-fault laws, all auto policies written in Oklahoma must contain at least:
· Bodily injury liability coverage: $25,000 per person/$50,000 total per accident
· Property damage liability coverage: $25,000 total per accident
Drivers who have financed their vehicles might also be required to purchase collision, comprehensive, gap or other physical damage insurance in compliance with lender rules.
It is highly recommended that you carry more than just a minimum level of auto insurance on your policy, and we are the experts who can help you determine which coverage is best for you.
Please note: In Oklahoma, DUI recipients are not required to obtain SR-22 certificates. However, if you are required to obtain an SR-22 in another state, you will be required to do so in compliance with that state’s SR-22 rules.
What does auto insurance cost in Oklahoma?
Numerous factors can influence the cost of your Oklahoma auto policy, including:
- Your chosen coverage limits
- The value of your vehicle
- Your driving accident history
- Your history of claims on other auto policies
- The location of where you live
- The distance you drive each year
It is possible for two drivers to have identical policies but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.
Ready for the next step? Get a quick insurance quote from Bargain Insurance Connection by calling 1.877.453.7374 or click here to request a quote.