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:

I am not too comfortable marching inside life insurance offices soliciting for quotes for life insurance. I’ve tried it once and ended up being interviewed in depth which made me quite uncomfortable. How can I get accurate quotes quickly without feeling exposed?

Sheryl

Broken Arrow, OK

Hi, Sheryl! You may be surprised to know that what you feel is similarly felt by a number of our readers. So chin up, Sheryl, your apprehensions are normal.

Getting quotes online is really the fastest, easiest and most convenient way of soliciting offers or packages from insurance companies, just like what you can do from this page by entering your zip code on the space. However, these quotes will not be the exact price you will have to pay once you want to finalize your life insurance policy. Many people have been disappointed because online quotes tend to be cheaper than actual insurance policy costs.

What you should realize, Sheryl, is that these quotes are generic quotes and does not consider specific conditions that will vary from one applicant to another. There may be health and medical conditions which can be interpreted as risk by some insurance companies in Oklahoma as well as lifestyle variations. That is why it is really necessary that you personally interact with your local insurer in Oklahoma to identify the specific conditions you have that will ultimately affect your life insurance policy. Online quotes should serve as a guide for you, and you should not decide based on what you see online alone. The best way, though a bit more time consuming, is through personal interaction and you should start feeling comfortable with your insurer. After all, he or she is assisting you secure your future.