Archive for oklahoma city auto insurance quotes

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:

New Years Resolutions 2016

16 Things To Look Forward To In 2016

After closing another year…time to get organized!

  • Add Earthquake Insurance
  • Update my Home Owners Insurance Coverage
  • Add kids to the Car Policy
  • Call of visit Statewide Insurance Agency for all Home and Auto Insurance needs
Share your New Years Resolution for 2016 below:

Statewide Home Insurance Rate Card Flyer 2016

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.

Eight Auto Insurance Myths

March 1, 2011

When purchasing car insurance, it’s important to understand the factors that affect your car insurance premium rates and coverage. But how do you differentiate between truth and fiction? A good place to start is by dispelling some  common myths about auto insurance:

Myth 1 – Color determines the price of auto insurance

It doesn’t matter if your car is red, green or purple. What does matter is the type of car you select. Before you buy a new or used car, check into insurance costs. Auto insurance premiums are based on make, model, body type, engine size, the age of the vehicle and the age, driving record and credit history of the driver. Premiums are also based, in part, on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. These include daytime running lights and anti-theft devices.
For years there has been a notion that color plays a significant part in calculating insurance premium costs, many people believing that red cars cost more to insure because they are linked to aggressive driving or speeding. The fact is, insurers have no interest in the color of a car, but they are interested in knowing if you have had any previous car accidents, the number of miles you drive annually and where you live.

Myth 2 – It costs more to insure your car when you get older

Quite the opposite—many drivers over 55 years of age can, in fact, qualify for a reduction in auto insurance rates, typically for three years, if they have successfully completed an accident prevention course. Insurance companies will usually provide up to a 10 percent discount on car insurance, but check with your provider before you sign on. Mature driving courses are available through local and state agencies as well as through the AAA and AARP. You can also check with your insurance agent to find out which defensive driving courses are approved by your insurer. If you are retired or are not employed full time, you may also be eligible for a discount of up to 5 percent off your car insurance. Age requirements for this type of discount vary by state and insurance carrier.

Myth 3 – Your credit has no effect on your insurance rate

Your credit-based insurance score does matter. An insurance score is a measure of how well you manage your financial affairs, not your financial assets. Many insurance companies take your insurance score into consideration when you want to purchase, change or renew your auto insurance coverage. Because the majority of people have good credit, and insurance scores are derived from a person’s credit history, most people pay less for insurance when insurance scores are entered into the pricing equation.

Myth 4Your insurance will cover you if your car is stolen, vandalized or damaged by falling tree limbs, hail, flood or fire

Comprehensive and collision coverage are optional coverages. Lenders frequently require drivers to buy comprehensive and collision coverage as a condition of a car loan agreement. Those driving older cars sometimes drop these coverages as a way of saving money. If a car is worth less than $1,000 or less than 10 times the insurance premium, purchasing the optional coverages may not be cost effective. But bear in mind that you need to purchase both collision and comprehensive coverage in order to fully protect your vehicle from all types of damage.

Myth 5You only need the minimum amount of auto liability insurance required by law

Almost every state requires you to buy a minimum amount of auto liability coverage. Chances are that you will need more liability insurance than the state requires because accidents often cost more than the minimum limits. In today’s litigious society, buying only the minimum amount of liability means you are likely to pay more out-of-pocket for losses incurred after an accident—and those costs may be steep. The insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident.

Myth 6If other people drive your car, their auto insurance will cover them in the event of an accident

In most states, the auto insurance policy covering the vehicle is considered the primary insurance, which means that the owner’s insurance company must pay for damages caused by an accident. Policies and laws differ by state, and you should be familiar with these differences when allowing another person to drive your car.

Myth 7Soldiers pay more for insurance than civilians

If you are in the military—regardless of which branch—you actually qualify for a discount on auto insurance. In some situations you might be able to have your commanding officer make a phone call on your behalf, but for most auto insurance companies, you will need to supply documentation that lists your name, rank and the time that you will be enlisted in the service. This allows insurance companies to determine how long you will be eligible to receive a military discount. Many auto insurance companies provide discounts for former members of the military as well as their families.

Myth 8Personal auto insurance covers both personal and business use of your car

If you are self-employed and use your vehicle for business purposes, personal auto insurance may not protect you. While auto insurance geared for businesses can be more costly than a personal policy, one of the best ways to keep your auto rates down is by having a good driving record. If there are others, such as employees, using your car make sure they also have good driving records. Check the records of your employee drivers at least twice a year to ensure they maintain a clean driving record.

Travelers Insurance Offers Oklahoman's Insurance "Value"

As an independent agent, we are constantly monitoring the “value proposition”offered by the different companies that we represent for home insurance and auto insurance in the Oklahoma City area.  For the most part, this “value proposition” is made up of great pricing, solid coverage’s and excellent claim service.  If one company were always the best, that company would have all of the business.  That’s why consumers need an independent agent to place you with the company that offers you the best value on your home insurance and auto insurance.

We are very excited to report that our perception of the “value proposition” being offered by Travelers to Homeowners in Oklahoma City, Edmond and Oklahoma is on the rise.  We expect Travelers to continue to gain momentum in 2013.

Check out these videos from Travelers Insurance Company.  Great reasons to get home and auto insurance quotes from an independent agent.



OKC Spotlght Article

Local Profile: Statewide Insurance Agency

By admin · Wednesday,June6th,2012


Statewide Insurance Agency 405-285-2929

Together, Von and Cheryl Nix have more than 40 years of knowledge and experience in the insurance industry most of us grew up with, but their new business concept is modern and booming.

The Nixes had previously worked for a captive insurance agency, meaning they were required to sell for that one agency.

In 2009, Cheryl left the captive agency and started Statewide Insurance Agency with the intent of giving customers more solutions to their insurance needs.

Von says he could easily see the benefits in the customers’ favor and joined Cheryl at Statewide in April 2012. “Because we are an independent agency, we can usually offer our customers better rates and better coverage because we represent multiple companies. We have the ability to shop many different insurance companies until we find the best fit for each particular customer’s needs.”

Statewide specializes in personal lines – home, auto insurance, boats, renters’, personal umbrella policies, trailers, landlord policies, etc. Von says this is yet another realm that sets Statewide apart from other insurance agencies. “Most agencies want to do everything for everyone. We’re not like that. By specializing, we give better service, are more accurate and our overall processes are better.”

Customers come first at Statewide. The Nixes say they take pride in trying to answer all incoming calls, rather than allowing clients to get voicemail. They strive to be accurate in their work, avoiding second requests. Again, this all points back to streamlining, or specializing the products they sell.

The uniqueness of their business doesn’t stop there. Statewide serves customers in Bethany, Del City, Edmond, Midwest City, Moore, Mustang, Norman, Oklahoma City and Yukon and will soon be authorized to offer the AARP’s Auto and Home Insurance Program through The Hartford to these and other surrounding areas.

Von says his favorite part of his job is watching the insurance work. “I love watching a claim be successfully handled in order to get the customer back to where they where prior to the loss. Oftentimes, people buy insurance because they have to have it. I get great satisfaction in watching the service that people are buying actually get used.”

The relationships that are forged, even under the toughest of circumstances, are some of the biggest job rewards for Von and Cheryl.

“The truth is a lot of people rely on the agent to set up the policy the right way. When there’s a total loss, it’s usually a fire or a tornado. That’s when you find out how good your insurance is,” says Von.

Von says when people are displaced and they help them get into temporary housing, the insurance is working the way it should and those people know Statewide helped them, it’s a great feeling. “When customers pick up the phone and say, ‘Hey, I appreciate what you did. Thank you’… I know what I’m doing is making a difference.”

Statewide Insurance Agency 405-285-2929

Auto Insurance Quotes Oklahoma City/Protecting Your Assets

Bodily Injury and Property Damage Liability (BIPDL) coverage is, in my opinion, the most important coverage on your auto insurance policy. The limits that you purchase represent the amount of money that the insurance company will pay to someone else due to an accident in which you caused bodily injury or property damage. If you do not have sufficient limits to settle a claim, the other party can sue you to recover additional money above your insurance coverage.

BIPDL coverage protects your personal assets! Therefore, the more assets you have, the higher coverage you should carry. Personal Umbrella Policies (PUP) will provide you with $1,000,000.00 of coverage over and above your base policy limits. These policies are almost always very inexpensive relative to your potential savings. Your BIPDL coverage should usually be the last place you look to try to save money.

Prior Homeowner Insurance Claims

More and more Oklahomans are having difficulty finding affordable home insurance coverage when they have had one or more losses in the last several years.  We have contracts with several companies that are glad to provide your coverage even if you have had several prior home insurance losses.  Home insurance quotes don’t have to be unreasonable to get the coverage you need!

Von Nix, CPCU