Finding low-cost automobile insurance is important for many drivers in Oklahoma, especially those on a tight budget. This is especially true given that the state has among the highest rates in the nation, at $1,778 in premiums for 2016 according to Insure.com, and strict auto insurance requirements.
Drivers in the Sooner State are required to be able to show proof of insurance if stopped by the police. Violations of this requirement may result in a 30-day jail sentence, license suspension, and fines. To avoid these problems, and for safety and peace of mind, it is best to follow the laws of the state.
Simplified, the laws of Oklahoma require all licensed drivers to have liability insurance coverage consistent with the minimum 25/50/25 rule, which means that a driver needs to be insured for $25,000 per person for injury or death per accident, $50,000 for more than one person for injury or death per accident, and $25,000 for property damage per accident.
If a driver is deemed to be at fault in an accident, then that is what his insurance coverage provider can pay out. On the other hand, the driver be sued for damage over the minimum policy limits. Because of this, it may be advisable for drivers who can afford it to get extra coverage.
Hospital treatment and car repair are the very last things a person recuperating from an accident needs to worry about. Having extra coverage beyond the minimum requirements will provide peace of mind, and, should an accident arise, will allow the policyholder to focus on more important matters.
If a driver avoids getting tickets or accidents for a long period of time, his or her insurance premiums will generally decline. Other factors that can help drive down premiums are working closer to home or driving less frequently and maintaining a good credit score. Paying one’s premiums on time is another way to keep rates low, since insurers will charge late fees for those who send in their payment late.
Affordable car insurance can be found in Oklahoma, though it may seem like a challenge to find it. Using reputable websites such as AutoInsuranceWorld.net to compare quotes is another way to ensure you find the best deal. You can start today by getting your fast free quote at the top of this web page. We only team up with reputable and trusted insurers with a track record of meeting and exceeding industry standards.