Cheap Car Insurance in Oklahoma
Finding cheap car insurance in Oklahoma is a serious concern for drivers in the Sooner State. Oklahoma has strict auto insurance requirements and some of the highest rates in the country. According to a 2011 study by insure.com, Oklahoma had the third highest rates in the country, with the average driver paying nearly $2,200 per year on auto insurance premiums.
Oklahoma Auto Insurance Requirements
Oklahoma drivers are required to carry proof of insurance in their automobiles. Violations of this law can result in a 30-day jail sentence, license suspension, fees and fines. It is just too much money and hassle to go without car insurance in the State of Oklahoma.
Simplified, the Oklahoma law requires all licensed drivers to have liability insurance on their vehicles according to the 25/50/25 formula. This means that an Oklahoma driver must be insured for $25,000 in injuries and property damage and $50,000 in maximum accident.
If a driver is deemed to be at fault in an accident, this is what his insurance provider will pay out. He or she can, however, be sued for damage over the minimum policy limits. That is why it is important for most drivers to purchase the amount of coverage that protects themselves and their family’s assets.
Why You Should Never Be Uninsured or Underinsured
In addition to the legal requirements, there is a very positive financial side to having car insurance. It can be an important safety net for the driver who is involved in an accident. Serious injury accidents can involve hundreds of thousands of dollars in coverage.
Medical care and car repair are the last thing a person recovering from an auto accident wants to stress about. If they have coverage over the minimum amounts required, all that they will have to do is concentrate on healing physically.
Additionally, drivers who have comprehensive, collision, uninsured driver, rental, personal injury and extra property damage coverage will have the least problem with getting their car repaired and the medical care that they need. Property damage over the minimum policy limits will prevent a driver from being sued, if the accident was deemed to be that driver’s fault.
How to Lower Your Oklahoma Auto Insurance Rates
If a driver avoids getting citations, tickets and fines, his or her insurance costs will be less. It will also be less, if the driver does not let his policy lapse. Insurers can charge a reinstatement fee. Policy payments that are made after the payment deadline will reflect poorly on the insured. He or she will be charged a late fee every time he is late in sending in his car insurance payment.
Even though it can seem hard to find, there is cheap car insurance in Oklahoma. The Oklahoma Automobile Insurance Plan is available for drivers who qualify and cannot afford auto insurance. However, it will vary in price depending upon a person’s driving record.
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