Does your Oklahoma homeowners insurance cover liability arising from lawn mowing accidents? Ours does!
Even if you drive like this guy, Statewide Insurance Agency still has a home insurance company that is right for you! Get a quote here today!
Needing a quote for your home and/or auto insurance? Get one here! We currently represent and offer quotes from 10 different companies. By doing so, we are able to find the company that is best for you. In addition, we only represent companies that have an “A” Rating through A.M. Best Company.
Saving Money on Auto Insurance – Auto insurance is a necessity, but it doesn’t have to cost a fortune. This video includes 5 simple steps to saving money on Auto Insurance. We’ve also included more tips for cutting insurance costs below.
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 car insurance quotes, or visit us online to receive a no-obligation quote.
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
Almost 90 million dogs are owned as pets in the United States according to a 2017-2018 survey by the American Pet Products Association.
According to the Centers for Disease Control and Prevention, about 4.5 million people are bitten by dogs each year. Among children, the rate of dog-bite–related injuries is highest for those 5 to 9 years old. Over half of dog-bite injuries occur at home with dogs that are familiar to us.
Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim exceeds the limit, the dog owner is responsible for all damages above that amount.
Some insurance companies will not insure homeowners who own certain breeds of dogs categorized as dangerous, such as pit bulls. Others decide on a case-by-case basis, depending on whether an individual dog, regardless of its breed has been deemed vicious. Some insurers do not ask the breed of a dog owned when writing or renewing homeowners insurance and do not track the breed of dogs involved in dog bite incidents. However, once a dog has bitten someone, it poses an increased risk. In that instance, the insurance company may charge a higher premium, nonrenew the homeowner’s insurance policy or exclude the dog from coverage.
Some insurers are taking steps to limit their exposure to such losses. Some companies require dog owners to sign liability waivers for dog bites, while others charge more for owners of breeds such as pit bulls and Rottweilers and others are not offering insurance to dog owners at all. Some will cover a pet if the owner takes the dog to classes aimed at modifying its behavior or if the dog is restrained with a muzzle, chain or cage.
Dog owners are liable for injuries their pets cause if the owner knew the dog had a tendency to bite. In some states, statutes make the owners liable whether or not they knew the dog had a tendency to bite; in others, owners can be held responsible only if they knew or should have known their dogs had a propensity to bite. Some states and municipalities have “breed specific” statutes that identify breeds such as pit bulls as dangerous; in others individual dogs can be designated as vicious. At least two states, Pennsylvania and Michigan, have laws that prohibit insurers from canceling or denying coverage to the owners of particular dog breeds. In Ohio, for example, owners of dogs that have been classified as vicious are required to purchase at least $100,000 of liability insurance.
The American Kennel Club reports that while many municipalities have enacted bans on specific breeds, several states have laws barring municipalities and counties from targeting individual breeds.
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Safeco Insurance (a Liberty Mutual Company) is saving Edmond car insurance customers money on their insurance through a program called Rewind. The Rewind program offers qualified prospect permanent forgiveness for an at-fault accident. Qualified Edmond residents will see substantially lower car insurance quotes by participating in the program. Read all the details at http://www.safeco.com/rewind.