Oklahoma Car Insurance

They don’t call it tornado alley for nothing. Oklahoma has some of the most vicious thunderstorms in the country, and tornados are not uncommon by any means. When you factor in the dangers that Oklahoma City natives face every day as they brave rush hour traffic and there’s no question as to why every Oklahoman needs a quality car insurance policy. CarInsuranceQuotes.com understands how difficult it can be to find low cost car insurance quotes online and that is why CarInsuranceQuotes.com has streamlined the process, making the task of finding low-cost insurance quotes online from reputable companies practically effortless.

Oklahoma Minimum Car Insurance Requirements

Because of the risk involved in traveling Oklahoma’s roads, the state has set minimum liability insurance requirements to cover damages to the other vehicle when the insured person has been found to be at-fault in an accident. The minimum liability coverage for Oklahomans is 25/50/25 for bodily injury and property damage. These numbers represent the lowest amount of coverage in thousands of dollars that all Oklahoma residents must have for their vehicles.

•    Bodily Injury Liability- Every Oklahoma motorist must obtain a minimum of $25,000 of coverage for injuries to single person and $50,000 for multiple persons to pay for medical expenses in the event they are injured in an accident where the insured person is responsible for the accident.
•    Property Damage Liability- Property damage liability covers damage to public and private property such as buildings, guardrails and road signs as well as the other person’s vehicle. The minimum amount of coverage in the state of Oklahoma is $25,000 for repairs per incident.

With the increasing costs of medical treatment and vehicle repair, the minimum coverage in the state of Oklahoma may not be sufficient to pay for all damages that may occur. Therefore, Oklahoma recommends that its motorists obtain better liability coverage than is required as well as Comprehensive and Collision coverage to pay for damages to their own vehicle if they are found to be at-fault or their vehicle gets damaged by a natural event or from wildlife.

Though minimum liability coverage is the law, many Oklahoma motorists as well as drivers from other states fail to maintain sufficient coverage for their vehicles. This is why the state of Oklahoma highly recommends that its motorists also obtain Uninsured/Underinsured Motorist protection for their vehicles. UM protection covers the insured party in the event that their vehicle is damaged by a person without sufficient coverage or by a hit and run. Oklahoma also offers the option of Gap coverage to its residents. In the event that a vehicle is totaled in an accident and the insured’s coverage will not pay the full amount remaining on the loan, Gap coverage covers the remaining cost so the individual is not left holding the bag.

From 2006 to 2007, Oklahoma residents saw a 5.8% drop (from $1484 to $1403) in the average car insurance premiums its residents paid each year. Though Oklahoma has the fourth lowest average in the nation, the price each motorist will actually pay varies depending on an individual’s driving record, credit history and the type of vehicle they own. CarInsuranceQuotes.com’s mission is to find the lowest possible car insurance quotes online for our customers. That is why CarInsuranceQuotes.com searches top rated companies for low cost insurance and show them to our customers so they can choose the car insurance policy that suits their needs the best. Whether you need a quote for a vehicle you’re thinking about purchasing or want a better car insurance price for the vehicle you currently own, let CarInsuranceQuotes.com do the work for you.

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