What is auto insurance?
Auto insurance can help protect you from costs related to auto accidents and other types of losses, such as the theft of your vehicle. Your auto insurance policy is a contract for which you pay a certain amount, known as a premium, to your insurance carrier in exchange for the coverages you select. Types of coverages available are bodily injury and property damage liability, medical payments, uninsured/underinsured motorist and physical damage (collision & comprehensive) coverages.
Why would I need car insurance in Oklahoma?
If you’re involved in an auto accident, you may have to pay expenses for car repairs, medical bills, lost wages and more. Without the coverages you need, you could have to pay those bills out of your own pocket. Oklahoma is an “at-fault” state, which means that the driver deemed responsible for a crash is responsible for all damages. Auto insurance can help cover those expenses, which could protect you from financial ruin.
How can I get the best car insurance and lowest premiums in Oklahoma?
There are many factors that determine an insured’s premium rate. Some factors are out of our control, such as our age, the economy, cost of building materials and all of the insurance claims being filed in the region. However, some of our life decisions can make an impact on our insurance premiums, such as our credit rating, driving record and recent insurance claims. Below are a list of several ways you can get the best rates in Oklahoma:
- Shopping multiple insurance carriers at once with an independent insurance agency like Scherer Insurance
- Having good credit history
- Having a good driving record
- No recent insurance claims
- Having a college degree
- Being married
- 3+ years at your residence
- 3+ years at your workplace
- 3+ years with your current insurance carrier
- 3+ years with continuous insurance coverage
- Garaging in a low-crime ZIP code
- Not using your vehicle for business, delivery, transportation network or carpool
- Companion “bundling” policies such as your home and auto policies with the same carrier
- Opting for a higher deductible
- Owning your home instead of financing or renting
- Owning your car instead of financing
- Paying your premium in full
- Paying via EFT payments as opposed to mailing checks
- Retired or a senior citizen
- Students with good grades
- Young drivers who have taken drivers education
- Installing a device or downloading an app that monitors driving behavior
- Anti-theft devices
- Anti-lock brakes, air bags or daytime running lights
- Being a member of an auto club or organization
- Declining collision or comprehensive coverage for older, high-mileage vehicles that may not be worth repairing
- Keeping your car in a garage
- Driving fewer miles
- and many more
When you request a quote from Scherer Insurance, you can be confident that every possible credit and discount will be requested.
How can I buy car insurance in Oklahoma?
There are three easy ways to get a quote or request more information for auto insurance in Oklahoma:
- Call/Text (405) 605-9891
- Email jp@schererinsurance.com
- Fill out the convenient online form below. You will be contacted shortly after it is received.