Cheap Oklahoma Auto Insurance

Are you tired of paying so much for your auto insurance policy? If so, our free quote tool may be able to help with that. These days, people are cutting back on just about everything, and even if you don’t want to cut back on your auto insurance policy (as that may prove dangerous), you may still find that there are other companies that charge sufficiently less. So, if you’re looking for cheap auto insurance in Oklahoma, you may have found it!

The state of Oklahoma is a Tort state. Persons responsible for an accident will be required to pay all the damages which result from the accident they caused. Oklahoma is a comparative negligence state. This means that the insurance companies distribute the financial responsibility of an accident between those involved according to how much of the accident was the individuals fault. Individuals who do not own a vehicle are required to carry non-owners auto insurance if they still operate a vehicle for work etc. This will include all medical bills and vehicle repairs. Your insurance company may encourage you to purchase more than the minimum auto liability insurance required by the state of Oklahoma, and while it may not account for cheap Oklahoma car insurance, there are obvious benefits. If a car is financed, you will most likely be required by the lending entity to carry comprehensive and collision coverage on the vehicle.

Oklahoma insurance companies do not have to cover members of your household if they are not listed on the policy. In fact, insurance companies may refuse to cover household members if they have a legitimate reason for doing so. Any exclusion will be listed in the exclusion section of your policy along with other conditions which will release the insurance company from the responsibility of paying a claim. If the insurance company requires you to list all household members on the policy, failure on your part to do so may result in that individual having no insurance coverage. If you do not comply with the company’s request, they can deny the claims on any persons not included on the policy. You will still be liable for any damages or injuries caused by an accident the individual is responsible for.

Your personal credit history will play a part in determining your premium rates, and insurance services you are offered. Your credit history may also be a factor in how you make your payments such as monthly or yearly. Other things the insurance company will take into consideration is your driving record, age, marital status, the age and condition of your vehicle, and the area where you live. Maintaining a good driving record and paying your bills on time may reduce your premiums.

Oklahoma does not have laws in place against talking and texting while operating a vehicle on Oklahoma roads. Several bills have come before the state lawmakers but as yet, they have not passed a bill prohibiting the use of cell phones or other electronic communications devices while driving.

Things that can help you reduce the cost of your insurance premiums include a clean driving record, the type of vehicle you choose to drive as well as the number of miles you drive per year. The fewer miles you put on your vehicle each year, the lower your chances are of being involved in an accident. The reduction in accident risk can translate into a reduction in premiums. Furthermore, a clean driving record reduces your risk of an accident. It will be more expensive to insure a luxury car or a sports car. You should also keep in mind that insurance premiums will be higher on vehicles which are a high priority for thieves. The cars that made the top 10 stolen vehicles in Oklahoma are:

1. 1994 Chevrolet C/K 1500 Pickup (full size)
2. 1994 Honda Accord
3. 1998 Ford F150
4. 2001 Dodge Ram
5. 1987 Oldsmobile Cutlass
6. 1991 GMC C/K 1500 Pickup (full size)
7. 2000 Chevrolet Silverado
8. 1997 Chevrolet Cavalier
9. 2000 Honda Civic
10. 1999 Ford Taurus

Safety devices such as anti-lock brakes side air bags, automatic seat belts and daytime running lights may also reduce your premiums along with anti-theft devices like an alarm system and global positioning systems. The area where you live will affect your insurance rates. Things such as weather extremes, crime rates, and traffic patterns will have an effect on your premiums. Don’t forget to maintain a good credit record as the insurance company looks at this to determine how likely you are to pay your premiums on time. Prior accident claims will also be a red flag to insurance companies especially if there are several claims on your past record. The amount of your deductible is also a key factor when determining insurance rates. The higher your deductible is, the lower your insurance rates will be.

If you’re looking for cheap auto insurance in Oklahoma, there’s a good chance that you’ll need to use our free quote tool. We only offer the cheapest rates in the industry, all from some of the largest companies around – those with a proven track record of success.

Useful links:
Oklahoma Division of Motor Vehicles
Oklahoma Division of Insurance
Oklahoma Department of Revenue

Bodily Injury Liability Per Person: $25,000.00 Limit
Bodily Injury Liability Per Accident: $50,000.00 Limit
Property Damage Liability Per Accident: $25,000.00 Limit



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