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:

Hi, I’d like to know more about my auto insurance in Oklahoma. When can I use it? Will it cover me if I ever am in an accident? How much will it cost?

Pia

Broken Arrow, OK

Hi, Pia! Thank you for this question as this gives me a chance to explain some misconceptions against auto insurance. Strictly speaking, auto insurance protects the car, not the passengers. There are instances when auto insurance is used to pay for bodily injuries. Say, for example, you were hit by a car and you had an injury due to the collision.

The driver of the car has the responsibility to pay for all damages done, including those human injuries resulting from automobile collision – he will do so through his auto insurance liability coverage. Similarly, if you were found to be responsible for injuring someone as a result of vehicular accident, you can use your auto insurance liability to pay for medical expenses. But if you’d insist, you can insure yourself as well as your passengers with the auto insurance personal accident coverage. But this coverage will be redundant if you already have a life or health insurance. Your local insurance agent in Oklahoma will be very happy to help you explain the many variations you can do with an auto insurance. You can also shop for free quotes online from websites like this one by filling out the relevant form.

In some cases in Oklahoma, personal accident coverage can be used to pay for the repairs due to a collision. But if you have collision coverage, this automatically takes care of the repairs for the collision. Like with any other insurance, there are many variations that can be done. The most complete which covers all damages to the car aside from collision is comprehensive auto insurance.

I hope that I have shed some light on the matter and that this helps you in your search for an auto insurance, Pia