Oklahoma Auto Insurance

Oklahoma stateDrivers and vehicle owners in Oklahoma are required by law to carry the minimum of liability coverage. The average premium in OK is higher than that of the national average and therefore it is strongly advised that motorists take the time to compare auto insurance quotes in order to save on their premiums. Many consumers believe that the state controls and sets the rates of insurers but this is untrue. For that reason many do not comparison shop and end up paying more than necessary for coverage.

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Compare Cheap Oklahoma Car Insurance Online

The price of a policy can vary greatly from one insurer to the next and it is suggested by most consumer guides to complete a thorough OK car insurance comparison in order to obtain affordable policies. The Internet allows for consumers to be provided with multiple quotations from various insurers in way that is quick, convenient and most importantly, effective in helping to find cheaper rates.

When trying to find cheap auto insurance be sure to take advantage of any discounts available. This can reduce the cost of premiums significantly. Comparing different types of coverage can be beneficial as well. One may find that they can be covered more extensively for just little bit more money. This could help prevent some financial hardships in the future as well as grief. By taking time and completing comparisons, the chances of a motorist finding the right policy at a price that can accommodate their budget becomes much higher.

Oklahoma Auto Insurance Requirements

In accordance with the OK car insurance laws and requirements, all drivers and automobile owners in OK are mandated to carry the minimum limits of liability. Proof of coverage must be furnished in the case that they are asked to do so by a law enforcement officer or if involved in a traffic accident. The requirements are as follows:
  • $25,000 for injury or death of one person
  • $50,000 for injury or death of two or more persons
  • $25,000 for property damage

legal scaleAlthough these are the minimum necessary, it may be wise to consider buying Oklahoma auto insurance with higher limits and additional options. The most common additions are comprehensive and collision. When combined with liability these policies are often referred to a "full coverage". This protects the insured's vehicles from damages as a result of a collision and other perils such as theft and vandalism. Another beneficial option is Uninsured Motorist. This will protect the insured in the event that they are involved in a collision with a hit-and-run driver or the other party is uninsured or underinsured. There are also some inexpensive add-ons to choose from, such as uninsured motorist coverage, that may be beneficial to most motorists.

Questions Regarding Oklahoma Auto Insurance

  • To What Extent Does Gender Affect Oklahoma Auto Insurance Premiums?

    In Oklahoma, as in practically every other part of the country, men tend to get charged more for car insurance than women with comparable coverage profiles. This is because statistics consistently show men are involved in accidents at a higher rate than female drivers, especially when it comes to...

  • What Are Some Key Points for Buying Oklahoma Auto Insurance?

    Oklahoma state flagVehicle coverage may be required in Oklahoma, but purchasing a policy may involve more details than many people realize. Plans should include enough vehicle protection to adequately cover potential injuries or damages that may result from an accident, but also be...

Oklahoma Car Insurance News

  • Car Insurance Laws Go into Effect at Turn of New Year

    December 31, 2013 - The New Year that begins tomorrow will mean a few changes to car insurance-related laws in several states across the U.S. Beginning Wednesday, drivers in California, Texas, Oklahoma and Nevada will be subject to new laws taking effect. California auto policies can be renewed electronically under a law that goes into effect on Jan. 1 ...

  • Oklahoma Picks Red Rock as Temp Carrier for Uninsured Drivers

    December 06, 2013 - The Oklahoma Insurance Department (OID) said Thursday that Red Rock Insurance Company is the Sooner State's pick as car insurance vendor for a liability plan that will cover uninsured drivers temporarily until they buy coverage of their own. Oklahoma's Temporary Motorist Liability Plan (TMLP) is part of beefed-up enforcement ...

  • Oklahoma Regulator: Car Insurance Code Allows Electronic Proof

    November 11, 2013 - A recent regulatory bulletin in Oklahoma cleared the way for drivers there to begin using electronic proof of car insurance statewide. The bulletin, issued last week, notifies coverage providers and others "within the insurance industry that OID supports the recognition of electronic versions of security verification." In ...

Articles for OK Coverage

  • Choose an Oklahoma Car Insurance Company

    Dec 21, 2011 - The Sooner State is home to over 2,300,000 licensed drivers, and each motorist is required to carry liability insurance to legally drive. The number of insurers that are licensed to sell automobile coverage in...

  • Oklahoma Required Car Insurance Coverage

    Oct 25, 2011 - Motorists in the Sooner State are required to remain financially responsible at all times while behind the wheel of an automobile. There are a number of ways that drivers can...

  • Be Sure to Buy Insurance in Oklahoma

    Jul 22, 2010 - The Sooner State is one of the many states in the nation that require resident motorists to be financially responsible for bodily injury and property damage at all times when operating an automobile. This requirement is most commonly...