All of the auto insurance companies we represent provide a wide range of car insurance coverages at a fair price. There are numerous discounts that can be achieved as well such as voluntary smartphone apps that monitor your driving habits, good student credits, drivers education or defensive driving discounts and many more. When applying for auto Insurance in Guthrie, Oklahoma, or anywhere in the States of Oklahoma & Arkansas, you will be offered many optional coverages on top of the standard liability. These options include Comprehensive, Collision, Uninsured Motorists, Medical Payments, Roadside Assistance, Rental Car Reimbursement and more. We can help you understand what these terms mean and decide WITH you, what coverage is right FOR you.
Auto Insurance Coverage options in Guthrie, Oklahoma:
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages help pay for damage to your vehicle. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan are typically required to carry both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as hail, fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible (the portion of the loss that you are responsible for), which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. In most cases, the higher the deductible the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident. This is the portion of your insurance policy that is required by law rather than by a lender. Liability coverage limits are expressed in three distinct dollar limits. The first limit is the maximum amount the insurance carrier will pay for any ONE person's bodily injuries in the other vehicle. The second limit is the maximum amount the insurance carrier will pay for ALL parties bodily injuries in the other vehicle. The third & final limit is the maximum amount the insurance carrier will pay for the damages you cause to other people's property. The state minimum in Oklahoma for these three limits is $25,000/$50,000/$25,000 but that can lead to being underinsured due to high cost of medical care & vehicle replacement or repair. Dependent on the carrier, you can also purchase insurance limits in the amount of $50,000/$100,000/$50,000, $100,000/$300,000/$100,000, $250,000/$500,000/$250,000 or $500,000/$500,000/$500,000.
Medical Payments coverage
Medical Payments or "Med Pay" coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. Med Pay limits are usually $1000, $5000 or $10,000.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver. This coverage has nothing to do with repairing or replacing your vehicle if you are in an accident with an uninsured or underinsured driver. Statistically 1 out of 4 drivers have no insurance at all or inadequate limits to cover in case of an accident.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
Our professional auto insurance agents in Guthrie Oklahoma, including the Coyle-Langston, Crescent, Edmond, Mulhall-Orlando, and Perkins areas, can assist you in finding the right car insurance for you & your family.