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The post Best Home Insurance Rates OKC first appeared on Statewide Insurance Agency.

• Outside:
  • Clean up the yard
  • Clean up/trim up the trees
    • Keeping trees trimmed back from roof line will help protect from potential roof damage during spring storms.
  • Sweep and power wash patios and decks
• Inside:
  • Give your pipes a look!
    • Check under sinks for any signs of potential leaks. This could save you from having bigger problems down the road!
  • Check your fire alarms and smoke detectors! ALWAYS IMPORTANT!
  • Touch up any paint
    • Or use a magic eraser on your trim, doors and walls.

As with any time you’re working on your house, it’s a great opportunity to make sure you’re not paying too much for your Oklahoma Homeowners Insurance. If you think you’re paying too much, give Statewide a call to see how much we can save you! 405-285-2929 or get a quote online here!

Source: https://www.nytimes.com/guides/realestate/home-maintenance-checklist

The post Best Homeowners Insurance in Oklahoma first appeared on Statewide Insurance Agency.

Did you know we also offer boat insurance? Make sure you’re covered when you’re out on the lake! Get a free boat insurance quote here.

The post The Insurance Alphabet- B! first appeared on Statewide Insurance Agency.

The post Credit Impacts Homeowners Insurance Rates in Oklahoma first appeared on Statewide Insurance Agency.

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 post Saving Money on Auto Insurance first appeared on Statewide Insurance Agency.

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

The post Buying Car Insurance: Young Drivers first appeared on Statewide Insurance Agency.

1. Auto insurance: Insurers determine car insurance quotes based on many factors, one of which is your driving record. It’s no surprise that these companies prefer to insure Edmond, OK residents who drive safely and file few claims. For this reason, multiple tickets and accidents on your record can result in higher premiums. How high? A speeding ticket can raise your auto insurance quote by up to 20 percent. A more serious offense, such as reckless driving or a DUI, can cause your rate to skyrocket by up to 300 percent.
2. Life insurance: Similarly, life insurance premiums are determined by your risk of dying. An unsafe driver has a higher risk of being involved in a serious accident, which can knock you down to a less preferred tier of life insurance, complete with a premium that can be several hundred dollars more per year.
3. Credit score: If you neglect to pay a ticket, like in our example above, your credit score can take a hit. Once the bill’s deadline comes and goes, fees are slapped onto the amount you already owe. You may start getting calls from collection agencies saying that you owe a huge amount, at which point you remember that bill that you set aside for later…ten weeks ago. By then, it’s too late. Your deflated credit can affect your ability to apply for a loan, credit card or even to rent an apartment.
4. License suspension: Serious driving infractions and unpaid tickets often result in the suspension of your license. In such cases, the Oklahoma DMV can refuse to register your car, which can lead to more tickets if you continue to drive an unregistered car or with a suspended license. It’s a cyclical mess that can be difficult to get out of.
5. Hard time: Hard time in jail, that is. Unpaid tickets can result in a misdemeanor charge and a warrant for your arrest. Not to mention, a DUI can land you in the slammer that same day.
6. Professional career: Losing your license can also result in the loss of your job, particularly if your job requires driving or comes with the perk of a company car. And then when you interview for a new job, some employers will turn you away if they see a DUI or other serious violations after conducting a background check.
7. Loss of rights: A DUI or other serious violation can be classified as a felony if the incident(s) resulted in severe damage or death. Convicted felons are stripped of a number of rights, such as the right to vote, hold public office, serve on a jury, receive federal aid for higher education, travel overseas etc.
8. Adoption: Adoption agencies have different policies, but many of them will look at your driving record. A DUI or other serious violation may result in an extensive interview during the home study or may result in outright refusal of your application. The more recent the violation, the more likely it is to affect your eligibility to adopt.

To get the lowest car insurance quotes possible for Oklahoma residents, always drive with caution and respect other drivers who share the road with you. If you do happen to receive a minor ticket, pay it immediately before you have the chance to forget about it. In fact, it’s so important to drive safely that many insurers offer auto insurance discounts to safe drivers. Ask your agent if you qualify for savings today!

The post 8 Ways Your Driving Record Could Injure Your Future first appeared on Statewide Insurance Agency.

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

The post Car Insurance Rates Outpacing Home Insurance Rates in 2017 first appeared on Statewide Insurance Agency.