Average Cost of Car Insurance

Average Car Insurance Cost

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Average Car Insurance in Oklahoma – What to Expect

If you are a new resident, you will need to know about the average car insurance in Oklahoma rates and carry an insurance policy to be a legal driver. Or maybe you are just now getting your driver’s license for the first time, or your very own auto insurance policy. The reason doesn’t matter, but making sure you have financial protection in the event of an accident does.

In fact, if you get caught without car insurance, you could receive fines, penalties and points against your license for driving illegally. Don’t make this mistake. Protect yourself when it comes to your auto insurance protection and you will be glad you did. Of course to avoid having too little coverage you need to know about state requirements.

For the average car insurance in Oklahoma policy to be diving legally you need:

  • 25/50/25 – What this means is the amount of bodily injury and personal property damage you need to carry. The first number is the $25,000 per person per accident for bodily injury you must have by law. The middle number, $50,000, is the total bodily injury covered for any one accident in which you are the driver at fault. Finally, the other $25,000 is for coverage for personal property per accident.

You can, of course, carry more than this, and it would be a good idea. Take even the $25,000 for personal property. If you total another driver’s car out in an accident, you are covered for only up to this amount. If the other person involved was driving a new financed vehicle this amount could easily be double this figure. This would mean any additional expenses over the $25,000 would be your financial responsibility out of your own funds. In other words, it is a good idea to keep yourself extra protected.

Smart & Safe Drivers

If you are looking for the average car insurance in Oklahoma rates, then you may be a new driver. Keep in mind keeping a safe and clean driving record is the best way to save money on insurance rates. Avoid:

  • Minor fender benders
  • Distracted driving including cell phone usage, texting or using a handheld mobile device
  • Small tickets that can lead to big problems
  • Driving Under the Influence or Driving While Intoxicated
  • Driving without insurance

In fact, once you have a policy it is important not to allow it to lapse. If you have a gap in your policy of 30 days or more, you could end up being put in the high risk category. This is the most expensive driver classification you can be in and will end up costing you more until you establish a better driving or insurance history.

The bottom line is the better driver you are the better your rates will be. Start being the savvy driver and consumer you can be by using your zip code to get FREE quotes brought to you. Getting quotes for your average car insurance in Oklahoma policy rates will be the best thing you do to protect yourself and save money on car insurance.