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Anytime you get behind the wheel of a car in Oklahoma, you could cause an accident that creates damage or expenses for another driver.
State law in Oklahoma requires drivers to take full responsibility for the damages they cause, and because many drivers do not have the financial means to pay for these expenses, the state also requires its drivers to buy liability auto insurance.
While liability auto insurance is required by law, your lender for a car loan may have other insurance requirements that you need to meet. Even when not required, some additional auto insurance products could benefit Oklahoma’s drivers.
It is important that you understand the types of auto insurance available and request quotes for reasonable limits for each coverage type you want to buy. Make sure to compare rates with our free quote tool above to make sure you are getting the best rate!
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Before you begin shopping for a new Oklahoma auto insurance policy, you need to understand how each coverage option works.
You should also be aware that you will need to specify coverage types as well as limits for each product you select when you request quotes from auto insurance providers.
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You may now know more about the types of auto insurance that Oklahoma drivers are required by law to have, but you may not know what limits are required. These are the specific minimum auto insurance requirements for Oklahoma’s drivers:
Oklahoma drivers should understand that there may be instances when the expenses associated with an accident exceed coverage limits.
When this happens, insurance will pay benefits up to the established limits of the policy, and the driver is required to pay for the remaining expenses on his or her own.
If you have an inoperable vehicle, a stored car, or another unique type of vehicle situation in Oklahoma, explore the state’s insurance requirements carefully. While you may not be required to meet the above-listed insurance requirements, other auto insurance requirements may pertain to your situation.
Oklahoma will confirm that you comply with these requirements through an electronic system, and you will also need to provide proof of adequate coverage when you register your vehicle in this state or if you are pulled over.
There are specific penalties associated with violating Oklahoma’s minimum auto insurance requirements, including:
Because Oklahoma drivers are responsible for all accident-related expenses regardless of what your auto insurance limits are set at, you should consider if the minimum coverage requirements for the state are reasonable.
Examine potential expenses associated with a damaging event, and understand that the state’s liability requirements only pay for another driver’s expenses rather than your own.
Therefore, even if collision or comprehensive insurance are not required, it makes sense to consider adding them to your policy.
In addition, you should think about increasing your coverage limits above the required amounts. Minimum coverage limits may not pay for all expenses, and you would then have to pay for some expenses out of your own pocket if insurance benefits are not sufficient.
Buying an Oklahoma car insurance policy may seem time-consuming, but it actually is a fast process when you request online quotes.
Before you reach out to a few providers, you must determine how much of each coverage option you want to buy. You also must decide which auto providers to contact for an online quote.
Be aware that some providers rank higher in the areas of customer services, claims processes, and financial security than others rank.
You may be able to identify a great rate on your Oklahoma car insurance policy within a few hours or less when you shop online. However, because rates can change over a relatively short period of time, you should be prepared to compare quotes every six months going forward. Don’t miss out on our free insurance comparison tool below! Just enter your zip code and start comparing rates now!
Auto Insurance Laws