Oklahoma car insurance laws require liability insurance on your vehicle to cover the 25/50/25 law. This means you must carry 25,000.00 in injuries and property damages and 50,000.00 in maximum accident coverage. If you are found at fault these are the coverage limits upon your insurance. However, if the accident causes more damage than this coverage you can be sued for the rest of the costs. In addition this type of policy offers you no personal injury or property damage to you if you are found at fault in the accident.
You must keep proof of your insurance available. When asked by any officer or trooper you must show this proof of insurance. In addition when involved in an accident this proof of insurance must be shown to the other parties. Failure to carry insurance or show proper proof may result in a 30 day jail sentence, suspension of your license, or fines and fees.
If you find you’re unable to obtain car insurance in Oklahoma, there is a state program called the Oklahoma Automobile Insurance Plan. This was started in 1950 to help everyone, regardless of their driving records obtain proper insurance. Any Oklahoma broker can write up this type of plan for you to purchase.
Following are some tricks and tips to secure yourself the cheapest car insurance in Oklahoma. First, comparison shop locally and online. Be honest and accurate on the evaluation and you should receive free quotes from several sources.
Second, maintain a good driving record. Do not get citations, tickets, and fines imposed upon you. These things make your insurance rates much higher and can impact the savings on a cheap car insurance plan a great deal.
Third, do not ever let your insurance lapse. If you are not driving the vehicle, continue to keep the insurance paid unless you are getting rid of the vehicle. When insurance policies lapse, the insurance company is allowed to charge you a fee in order to reinstate the policy. Those fees and fines can add up costing you a bundle when the car is again on the road. In addition to this tip, remember to always pay your policy on time. Late fees also can rack up quickly. With these tips you should be able to secure yourself the best possible rates on cheap car insurance in Oklahoma.
