Archive for Auto insurance quotes

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Holiday Schedule
Christmas Eve 24th / 8:30-2 p.m.        
Christmas Day 25th / Office is Closed. 
New Years Eve 31st / 8:30-2 p.m.        
 New Years Day 1st / Office is Closed.

 Have a Safe and Happy Holiday!

Buying Car Insurance: Young Drivers

Car insurance rates for young drivers in Oklahoma is expensive. Take the time to educate yourself and seek an agent that represents multiple companies so you can find the company that wants your business the most. Whether you are shopping for homeowners insurance quotes in Oklahoma City or for the best car insurance in Edmond, an Independent Insurance Agent is usually your best choice.

Here is a helpful link to assist you in making decisions about your young driver: http://j.mp/1GCrFQk

Saving Money on Auto Insurance

When consumers in Oklahoma City and Edmond get car insurance quotes, they expect great service with a low price. The tips below are good but I really like the video tips…

This video includes 5 simple steps to saving money on auto insurance. We’ve also included more tips for getting lower car insurance quotes below. Video: http://youtu.be/kvDlRSN3nG0

Shop Around – The easiest way to save on high risk auto insurance is shopping around. Obtain as many auto insurance coverage quotes as possible. Since there are a myriad of alternatives accessible in the insurance marketplace today, you have the luxury of comparing different rates and opting for the most affordable option.

Take Control Of Your Rates – Being in control of your rates can also help lower the cost of car insurance. Tickets as well as accidents which are no longer paid for should be taken off the coverage at the right time. Each time changes are made to your status, obtain a few quotes and compare the different rates. Perhaps, you will be able to find a plan that allows you to save.

Buy A Cheap Car – The more expensive a car is, the more you will pay in insurance premiums.

Cover Less Miles In A Year – Try to keep your mileage to the minimum. Drivers who cover less than 10,000 miles in a year are more likely to qualify for reduced insurance rates. The more time you spend on the road, the more likely you are to be involved in an accident.

Park Your Car In A Safe Area – Burglary and accidental damages are just some of the factors that can increase your insurance premiums. Cars parked inside a garage or on a driveway are less likely to be broken into or damaged which results in a 4% to 6% decline in insurance costs.

Exercise Caution While Driving – Careless driving will result in additional points in your license. As a result, you will be expected to pay more in insurance premiums. Whereas points attributed to speeding tends to remain on a driver’s license for at least 4 years, insurance companies will confirm if there have been convictions in the past 5 years prior to deleting them from your record.

Install Security Systems In Your Car – Installing security systems, for example, car alarms and anti-lock brakes in your car can also help in lowering your risks.

Avoid Making Changes to Your Car – Do not make changes to your car before informing your insurance provider. Modifications refer to anything that will alter the original specifications, for example, fitting allow rims.

Call Statewide Insurance Agency today for more information on saving money on your Oklahoma City or Edmond auto insurance, or visit us online at https://okstatewide.com to recieve a no-obligation quote.

The 9 Most Dangerous Things Drivers Do

The best way to stop bad driving is to know what causes it. Check out this list of the 9 most dangerous things drivers do on the road. http://j.mp/1CxXy37

Cheap Car Insurance

Finding cheap car insurance doesn’t have to be time consuming and a hassle.  The key is to find a company that wants “your business”….  not your neighbors or your co-workers business, but yours.  You see, insurance companies have become very sophisticated (complicated) in the way they price their policies.  Statewide Insurance Agency represents about 9 companies on car insurance and I think most consumers would be shocked to see how different they all are in the way they decide who is going to get the cheapest car insurance rates in Oklahoma.  For example, some companies give large discounts if you have been with your current insurance company over 5 years, some aren’t young driver friendly, some increase the rate a lot if you’ve had an accident and some will actually ignore an accident.  So, if the key is finding the company that wants you, how do you do it quick and with little effort?  The answer:  Contact Statewide Insurance Agency.  We’ll use our comparitve rating software to shop all of our companies to find you the cheapest car insurance rates in the Oklahoma City area.  Call us or complete our online form….

www.okstatewide.com

 

Is My Newly Acquired Vehicle Covered?

Customers often tell us they are buying a new car and ask if they need to call us before they drive it off the lot.  Usually, if you currently have Comprehensive and Collision coverage on any vehicle on your policy and if the insurance company insures all your vehicles, physical damage coverage will automatically transfer to the newly acquired vehicle for a temporary period.  Therefore, problems arise when you are carrying Liability Coverage only on all your vehicles and you need physical damage coverage (Comprehensive and Collision) on the new vehicle.  Problems also arise when you are using 2 or more insurance companies to provide your personal auto insurance coverage.  Be safe and ask your agent how your policy addresses this issue.

Ordering Mexican Food at Outback

Statewide specializes in homeowners insurance and auto insurance to the Oklahoma City area.  Specializing enables us to be more effecient, more effective and just “better than most” at what we do.  I think most consumers are tired of companies and sales people trying to sell them more products and services than you want just because they may have your attention (or your email address).  Buying health insurance from the agent that sold you car insurance is usually like ordering mexican food at Outback!  http://www.okstatewide.com  

Mercury Insurance Acknowledged

Mercury Insurance Group (NYSE: MCY) continues to advance it’s position as a stable, long term provider of home insurance and auto insurance to the Oklahoma City market.  For the most part, “value” is made up of price, quality coverage and good claim service.  Mercury is exceeding our expectations with their “value” propostion for Oklahoma City homeowners insurance and auto insurance.  We also like the fact that they maintain an A+ rating with the A.M. Best Co.   something few insurers can say.  And it gets better…..in 2012 Mercury was recognized by Forbes as one of “America’s Most Trustworthy Companies”….. read more about it…

http://www.mercuryinsurance.com/wps/wcm/connect/portalcorpweb/cws/resources/526109804ad9c140ad77fd912cb13c1d/Forbes_Info-Sheet.pdf

Immediate Accident Forgiveness

Auto insurance quotes in Oklahoma City are cheaper with Safeco’s Rewind program.  The rewind program provides immediate accident or ticket forgiveness to qualified drivers and the good news is that most drivers qualify.  We continue to have great success in lowering auto insurance rates for Oklahoman’s and the savings is often surprising.  Check out this Rewind Program link…   http://www.rewindprogram.com/

 

Do I need separate rental car insurance?

Properly insuring a rental car can be confusing, frustrating and downright daunting. Unfortunately, many consumers do not even think about car rental insurance until they get to the counter, which can result in costly mistakes—either wasting money by purchasing unnecessary coverage or having dangerous gaps in coverage.
Before renting a car, the I.I.I. suggests that you make two phone calls—one to your insurance agent or company representative and another to the credit card company you will be using to pay for the rental car.

  1. Insurance Company     Find out how much coverage you currently have on your own car. In most cases, whatever coverage and deductibles you have on your own car would apply when you rent a car, providing you are using the car for recreation and not for business.
    If you have dropped either comprehensive or collision on your own car as a way to reduce costs, you will not be covered if your rental car is stolen or damaged in an accident.
    Check to see whether your insurance company pays for administrative fees, loss of use or towing charges. Some companies may provide an insurance rider to cover some of these costs, which would make it less expensive than purchasing coverage through the rental car company. Keep in mind, however, that in most states diminished value is not covered by insurers.
  2. Credit Card Company     Insurance benefits offered by credit card companies differ by both the company and/or the bank that issues the card, as well as by the level of credit card used. For instance, a platinum card may offer more insurance coverage than a gold card.
    Credit cards usually cover only damage to or loss of the rented vehicle, not for other cars, personal belongings or the property of others. There may be no personal liability coverage for bodily injury or death claims. Some credit card companies will provide coverage for towing, but many may not provide for diminished value or administrative fees. Some credit card companies have changed their policies, too, so you may not have as much coverage as you thought.
    To know exactly what type of insurance you have, call the toll-free number on the back of the card you will be using to rent the car. If you are depending on a credit card for insurance protection, ask the credit card company or bank to send you their coverage information in writing. In most cases, credit card benefits are secondary to either your personal insurance protection or the insurance offered by the rental car company.
    If you have more than one credit card, consider calling each one to see which offers the best insurance protection.

 

At the Rental Car Counter

Since insurance is state regulated, the cost and coverage will vary from state to state. Consumers, however, can generally choose from the following coverages:

 

  • Loss Damage Waiver (LDW) Also referred to as a collision damage waiver outside the U.S., an LDW is not technically an insurance product. LDWs do, however, relieve or “waive” renters of financial responsibility if their rental car is damaged or stolen. In most cases, waivers also provide coverage for “loss of use,” in the event the rental car company charges the renter for the time a damaged car can not be used because it is being fixed. It may also cover towing and administrative fees.
    Waivers, however, may become void if the accident was caused by speeding, driving on unpaved roads or driving while intoxicated. If you already have comprehensive and collision coverage on your own car, check with your personal auto insurer to make sure you are not duplicating coverage you already have. Should you decide it is necessary, this coverage generally costs between $9 and $19 a day.
  • Liability Insurance     By law, rental companies must provide the state required amount of liability insurance. Generally, these amounts are low and do not provide much protection. If you have adequate amounts of liability protection on your own car, you may consider forgoing additional liability protection. If you want the supplemental insurance, it will cost between $7 and $14 a day.
    An umbrella liability policy, however, may be more cost-effective. Umbrella liability insurance is so named because it acts like an umbrella, sitting on top of your auto and homeowners (or renters) liability policies to provide extra protection including accidents while driving your own car or one that you rent. These policies, usually sold in increments of a million dollars, cost as little as $200 to $300 annually for a million dollars worth of coverage and another $50 to $100 for each additional million.
    Those who do not own their own car and are frequent car renters, can also consider purchasing a non-owner liability policy. This not only provides liability protection when you rent a car, but also when you borrow someone else’s car.
  • Personal Accident Insurance     Personal Accident Insurance offers coverage to you and your passengers for medical and ambulance bills for injuries caused in a car crash. If you have adequate health insurance or are covered by personal injury protection under your own car insurance, you may not need this additional insurance. It usually costs about $1 to $5 a day.
  • Personal Effects Coverage     Personal Effects Coverage provides insurance protection for the theft of items in your car. If you have a homeowners or renters insurance policy that includes off-premises theft coverage, you are generally covered for theft of your belongings away from home, minus the deductible. If you purchase this coverage through the rental car company, it generally costs between $1 and $4 a day.
    If you frequently travel with expensive items such as jewelry, cameras, musical equipment or sports equipment, it may be more cost-effective to purchase a personal articles floater under your homeowners or renters insurance policy. With such a floater, your valuable items are protected at home as well as while traveling anywhere in the world and the coverage is broader.

 

Other Things to Consider

States have minimum age requirements for renting a car and most major rental car companies refuse to rent a car to someone who is under 21 and in some cases under 25. In addition, some rental car companies now investigate your driving record and/or credit history so check with the rental car company before picking up the car.
If you are planning to rent a car abroad, contact both your insurance agent and travel agent to find out what you need to do to be properly insured. Those driving a rental car from the U.S. into Mexico may find it progressively more difficult to rent a car as U.S. rental car companies are increasingly concerned about the rising crime rates in that country. The minimum required insurance coverage to drive in Mexico is civil liability insurance which covers you in case you cause injury or damage. Your American liability insurance is not valid in Mexico for bodily injury, though some American insurance policies will cover you for physical damage—check with your agent or insurance company representative. You can also buy Mexican car insurance in several American border towns; there are generally several storefronts selling Mexican car insurance near the border.
Note: If you’re renting a car abroad, you may need an international drivers license.

http://www.iii.org