Archive for Auto Insurance

Car Insurance Rates Outpacing Home Insurance Rates in 2017

Oklahoma consumers are finally getting relief from skyrocketing home insurance quotes.  However, now our attention is turning to car insurance rates in Oklahoma.  What can consumers do in 2017 to find car insurance rates that are affordable?  1) Work with an Independent Agent that can shop multiple companies and 2) Call your agent and ask him to go to work for you!

Check out this report from CNBC on why Oklahoma car insurance rates are now outpacing Oklahoma home insurance rates.  Click Here

 

 

#MostImportantCoverage

Protect your personal assets from others by purchasing Liability Insurance!  #mostimportantcoverage

#CheaperCarInsurance

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Saving $$$ on your car insurance may be as simple as finding the company that really wants and values your business!

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Its official! #ExpericeDowntownEdmond

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Downtown Edmond Business Association

Do You Own Rental Property

Click and hear what Trevon Nix has to say about Landlord’s Insurance. #ProtectYourHome #LandlordsPolicy

Happy Labor Day Weekend

Labor Day Weekend @okstatewide

Just a friendly reminder that our office will be closed Monday, September 5th! Enjoy your Labor Day Weekend.

Does Your Car Insurance Pay For a Rental Vehicle

 

What does Rental Car Reimbursement cover? Trevon Nix, an Independent Insurance Agent with Statewide Insurance Agency in Edmond, Oklahoma, would like to share some benefits of having this coverage added to your car insurance policy. 

Personalized Insurance Quotes

When generating a personalized home insurance quote for all Oklahoma residents, we take into account several standard aspects of your home and deductibles to find a starting price point. However, we also look at a few other factors when determining your home insurance premium.

Custom Quote @okstatewide

 

The Structure of Your Home

What your house is made of can increase or lower your premiums. Concrete and brick houses tend to fare better against environmental elements and are less susceptible to house fires. Therefore home insurance premiums on them tend to be lower than their wood structure counterparts.

 
Your Insurance Score

Insurance companies actually use “Insurance Scores” rather than “Credit Scores” when rating for for your home and auto insurance. Each company has their own proprietary formula for calculating an Insurance Score; however, based upon our experience, we find that Credit Scores (such as those through TransUnion) are usually similar to Insurance Scores. 

 
The Structure of Your Home

What your house is made of can increase or lower your premiums. Concrete and brick houses tend to fare better against environmental elements and are less susceptible to house fires. Therefore home insurance premiums on them tend to be lower than their wood structure counterparts.

 
The Age of Your Home

Newer homes that have been built with the current safety codes and better building materials may mean lower insurance premiums than their older counterparts that were built with outdated security measures and older structural materials.

 
The Emergency Response Team Nearby

Many homeowners don’t realize the effect of their town’s fire station on their home insurance premiums. If your home is close to a fire hydrant, near an adequate fire station, and has a higher quality emergency response team you may be eligible for lower premiums.

It is important to understand how your house can affect your homeowners insurance premiums. If you have any questions or wish to speak with one of our agents, please contact us today to review your policy.