Navigating auto insurance in Oklahoma does not have to be complicated. Here are some essential tips to help you understand what you need:
- Know your Coverage: Oklahoma requires liability insurance-this covers damages if YOU are at fault in an accident. This covers the other driver…not you or your auto. Consider adding collision and comprehensive coverage for extra protection. Sometimes this is referred to as “Full Coverage.”
- The minimum insurance you must have in Oklahoma is $25,000 for bodily injury per person, $50,000 total per accident, and $25,000 for property damage. Driving without it will most likely lead to fines.
- How Premiums are decided: Your insurance cost depends on your driving history, auto type and your location. Safe drivers usually pay a whole lot less, so keep your record clean as a whistle!
- Review Regularly: Life changes can affect your insurance needs. Check your policy each year to ensure you have the right coverage and are getting the best rates. An Independent Agent or Broker can review several options that may save you premium dollars.
By knowing these basics, you can manage your auto insurance wisely and save some cash. Take a quick minute and review your policy today!