Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the company promises to pay for specific car-related financial losses during the policy's term. We can help you determine the best coverage for your needs.

How much auto insurance is right for you?

Our team of insurance professionals understands our customers' Oklahoma car insurance needs.

Auto insurance requirements vary by state. In some states, to drive, you must carry:

• Liability coverage to pay for losses you cause others.

• No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault.

• Both liability and no-fault coverage.

We write insurance in Oklahoma, Texas, California, Arkansas, Kansas, and Colorado and would be happy to help you ensure you have the right car insurance coverage.

Even in states where coverage isn’t required, by law, drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance that covers damage to your vehicle. This includes:

• Collision Insurance: Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s how much you pay for repairs before your collision insurance kicks in. The higher your deductible, the less the collision coverage will cost.

• Comprehensive Insurance (Other than collision): Comprehensive insurance covers damage to your car in ways other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although any state does not legally require it, you will probably need it if your vehicle is financed.