Auto insurance can be a critical lifeline if you ever get into a car accident. This coverage can help limit your out-of-pocket costs by reimbursing damages and medical expenses. Furthermore, auto insurance is generally required in Oklahoma.

Do I Really Need It?

Yes, you really need auto insurance. Regardless of the type or age of your vehicle, going without insurance can introduce a variety of issues.

In Oklahoma, a driver must be able to prove financial responsibility after a car accident. Most people satisfy this requirement by purchasing minimum levels of liability insurance. Having no coverage could lead to significant penalties, including license suspension and much higher insurance rates later on.

Beyond legal mandates, auto insurance can help you get your car back on the road swiftly following an accident and pay for your medical bills. Without this coverage, you’d be paying for everything yourself.

What Are My Options?

There are several options when it comes to finding the right auto insurance policy for your vehicle and personal circumstances. Here are some coverage options typically available under a standard policy:

• Liability coverage may help pay for expenses stemming from injuries and damage you cause to others in an accident.

• Medical payments coverage may help reimburse the medical bills of you and your passengers.

• Collision coverage may help pay to repair damage sustained by your car, regardless of fault.

• Comprehensive coverage may help compensate expenses resulting from incidents other than collisions, such as vandalism and theft.

Other coverage options may also be available to you, such as uninsured motorist coverage, aftermarket modifications coverage and more. Your broker can help you shop around for a policy that works for you.

How Can I Limit My Costs?

You can save money on auto insurance through several methods. Safe driving may qualify you for discounts, and so can bundling different forms of insurance (e.g., home and auto coverage). Students with good grades may also receive discounted rates. Another way to limit auto insurance costs is by maintaining a good credit score.

Metro One Insurance Agency is here to help you navigate all your auto insurance options. We can identify discounts, recommend coverage and find a policy that meets your needs. Contact us today to have a conversation without obligations.