Reader’s Question:

I just moved in to Tulsa, Oklahoma from another part of the country. I’m wondering what is the least expensive car insurance policy I should get?

Efren

Tulsa, OK

Hello, Efren, and welcome to Tulsa; I hope you enjoy your stay here. Many people visit Tulsa for a short time and fall in love with the city, often ending up relocating and moving their families to Tulsa; I don’t blame them since Tulsa is a beautiful city.

And not only is it beautiful, Tulsa is also home to many auto insurance companies with distinct reputations. You will not have a hard time looking for one and you can even start your search now by entering your zip code on the search bar provided for you on this page. Simply specify that you want the minimum coverage (liability coverage) for your auto insurance. Liability insurance is the minimum requirement for auto insurance, Efren. This auto insurance pays for the damages and injuries you may cause to another person or property when you have caused a collision with them. Person can be the passengers in the car, or somebody crossing the street, or someone idly sitting by the bench when you accidentally backed off. They might be hospitalized and will require treatment, confinement or medications and your liability coverage will pay for these expenses. Property, on the other hand, can mean the car you hit, a fence, a motorcycle, or that bench they were sitting on when you were backing and you bumped them. Obviously you have to pay for the repairs and your liability auto insurance will again shoulder the expenses for this one.

Liability coverage is the cheapest among auto insurance, Efren, because like I said, it provides only minimum coverage. In the scenarios I have described above, there are no provisions for the injuries and damages you have incurred – you will need another auto insurance for this.

Reader’s Question:

My boyfriend’s driving record is not good. I guess he’s even considered a high risk driver. My friend advised me to get high risk auto insurance in Oklahoma for him. What can we do about this?

Mina

Oklahoma City, OK

Being a high risk driver is not quite a good thing. For one, getting high risk auto insurance in Oklahoma may come in very pricey. And the reason is simple. If I am the car insurance company and I will take someone who is a high risk driver, then there’s a great probability that this high risk driver will be involved in a car accident or even accidents. Thus, there’s a greater chance for him to file for car insurance claims, which will then result to me as the car insurance company, paying for his damages. So, it’s only a business wise decision to charge higher car insurance rates for a high risk driver like your boyfriend.

Some of the things which will make your boyfriend a high risk driver will be a conviction of DUI or DWI and too many traffic violations and accidents. Your boyfriend’s driving record will speak for himself on how good (or bad) driver he is. But since you’ve already mentioned that your boyfriend’s record is not good well I guess the best way to do now is how to make him a good driver.

It would help him if he could attend defensive driving class to improve his driving skills. Another is to make sure that his credit score is good. So make sure he always pays everything on time. And also, it’s important that he has car insurance policy all the time. Having a lapse on his car insurance may also consider him as a high risk driver.

Since you are looking for high risk auto insurance in Oklahoma, you can check this site for free online quotes and you can check with your car insurance agent.

Reader’s Question:

My agent here in Oklahoma suggests that I get collision and comprehensive coverage. How are they different from one another?

Debra

Lawton, OK

Collision and comprehensive car insurance coverage are two different things, Debr,a and both can add to your safety and security while driving. Most car insurance companies in Oklahoma offer these coverages to their clients.

Try to consider that certain events or incidents can happen, and they are usually beyond our control like weather conditions such as floods, storms, hurricanes, as well as natural calamities like earthquakes and flash fires and even theft or vandalism. And if these incidents occur, having a comprehensive coverage can be handy should your car be damaged by the said events. Your comprehensive coverage will shoulder expenses for your car’s repair or even replacement of your vehicle. If you purchased your car by means of a loan, then a comprehensive car insurance coverage will be required by the bank or the financing company. Although comprehensive coverage is an optional addition to your car insurance policy, I suggest that you still get one especially if your car is pretty expensive.

On the other hand, collision coverage will pay for expenses due to damages resulting from collision with another car or objects like lamp posts or fences or wild animals. But if you have an old or inexpensive car, the costs for repairs may be worth more than the amount of having it replaced, instead. Thus, paying for high premiums for your collision coverage may not be advantageous to you. So, think it over first before adding collision coverage to your insurance policy to avoid unnecessary expenses. After all, collision insurance is typically an optional coverage in your policy.

So, remember, collision and comprehensive insurance coverage are typically optional but otherwise useful add-ons to your existing policy.