Reader’s Question:

Hi. I’m 16 and I live in Tulsa Oklahoma OK. When I get my driver’s license how much does the car insurance cost me, or rather my father who’ll pay for my coverage?

Martin

Tulsa, OK

There’s no one answer to your question, Martin. I can give neither an exact figure nor a range of figures. Do you know why? Auto insurance price depends on a number of factors. I’ll bring up some to give you an idea of what things come into play when we talk of how your auto insurance policy would cost in Tulsa Oklahoma OK.

One is the driver (you, for example). Auto insurance premium rates are higher for teenagers than for adults because the former are considered high risk by auto insurance companies. Then among teenagers, rates are higher for males than females because statistics show a lower accident rate among female teenage drivers than males.

Another is the car you drive. You pay a higher auto insurance premium when you drive a Porsche Carrera GT or Rolls-Royce Phantom than we you drive a Ford Focus or Honda Civic. It also matters if the car is brand new or used when you purchased it.

The state where you live, the city (prices differ in different cities in Oklahoma OK) and even a particular area in the city affect how much the auto insurance company will charge you.

This site can even help you find good rates in Oklahoma. Enter your zip code on the form found on this page and click to the pages that contain auto insurance premium rates.

Reader’s Question:

A friend of mine has been paying a lot less for her auto insurance and she said that it’s because she gets a lot of discounts. As for me, what types of discounts can I be able to get to save on my auto insurance here in Oklahoma?

Dianalyn

Norman, OK

If you and your friend live in the same area, belong to same age group and have not committed traffic violations and gotten into accidents and you are paying more than she does, now is the perfect time to shop for auto insurance quotes from other companies. While you’re at it, you have to look at the auto insurance discounts that each company offers so that you can save on your auto insurance in Oklahoma. The following are some of the more common discounts available on auto insurance that you can take advantage of:

Safe Vehicle
If your vehicle is equipped with certain security features like anti-lock brakes and airbags, you can be given a auto insurance discount for it.

Low Mileage
If you meet a certain level of mileage requirements in a year, you can get low mileage discount on your auto insurance.

Multiple Policies
If your insurance carrier also offers coverage for homeowners and other kinds of policies that you own, you have to get coverage from them. If you have more than one policy, you can take advantage of multiple line discount.

Safer Driver
If you take lessons in defensive driving from a driving school certified by your auto insurance company, you can also be offered a discount for being a safer driver.

Economy Vehicle
A number of auto insurance companies give discounts for those you drive an economy vehicle. If you drive a low profile vehicle, make sure you find a auto insurance company that can offer you a discount for that.

These auto insurance discounts combined with shopping for multiple auto insurance quotes will surely help you save on your coverage.

Reader’s Question:

Hi, I’m in Oklahoma, and I’ve never been in an accident before, but I want to know just what to do auto-insurance wise if ever it happens to me.

Dolly

Tulsa, OK

Well, hello, Dolly. Yes, I hope nobody ever figures in an accident. I’ve been in one here in Oklahoma, too, and it was nowhere near pleasant. But if ever it happens, what you need to do first, of course, is to check for any injuries. Some injuries would take hours or days before they appear. It is always best to go see a doctor just to be really sure. And then there’s the matter with the police. Report the accident immediately. Then call your auto insurance company and tell them about the accident.

Speak with the other driver if you figured in a collision accident, and exchange information with him or her: phone number, address and insurance information. This is especially important if the accident was caused by the other driver. You could also look for witnesses and ask for their contact information in case their account of the accident is needed.

So, to sum it up: When you figure in an accident check for any injuries, contact the police, exchange pertinent information with the other driver, contact auto insurance company and check if you can find any witness.

After reporting the accident to the auto insurance, they will then send an insurance adjuster. Be ready to provide what you know to the adjuster. Do not add anything or edit what happened because the adjuster will confirm your story with other sources, too, such as the witnesses’ account, the other driver’s story and the police report.