Need Auto Insurance? Read This First to Find the Best Car Insurance in Oklahoma

The neat thing about car insurance is that you can choose your coverage, like browsing a buffet of options. Fill up your plate with the coverage you do want, and leave what you don’t. 

There are plenty of options to choose from. Some of the most common coverage types include:

• Liability: This has two components, bodily injury and property damage. If you cause an accident and another person is injured or you cause property damage, this coverage foots their medical costs and the costs for the property damage. It also gives you a legal defense if you’re sued because of the accident. 
• Collision: If you collide with another vehicle or a stationary object like a telephone pole or highway divider, collision covers the damage for your vehicle.
• Comprehensive: If you collide with an animal, weather causes damage to your car, or your vehicle is stolen/vandalized, comprehensive has you covered.
• Uninsured/Underinsured Motorist: If you’re involved in an accident with someone who doesn’t have insurance or doesn’t have enough to cover the costs, this coverage kicks in. Hit and runs typically fall under this coverage, since it’s assumed that drivers that flee the scene often don’t have insurance. 
• Medical Payments: This helps cover the medical bills of you and your passengers if you’re involved in an accident, which can quickly add up. If you have great health insurance, this coverage might not be needed, but if you don’t (or your typical passengers don’t), this can save you from hefty medical bills. 
• Gap: If your vehicle is leased or financed and becomes totalled, this covers the amount you still owe on the vehicle.
• Roadside Assistance: If your vehicle breaks down, this covers a service tow to a nearby repair shop and other minor roadside repairs. 
• Ridesharing: If you drive for a service like Lyft or Uber, you’ll need additional car insurance coverage to protect you and your customers. 
• Classic Car: If you have an antique car or classic car, you’ll need special car insurance coverage because repairs and parts are much more expensive. 

These are just some of the common options available to you. Depending on the insurance provider you go with, you might be able to add even more coverage options that help you feel most protected.

Remember: the only coverage you need on the above list is bodily injury liability and property damage liability, according to Oklahoma car insurance laws. But it’s wise to get more coverage than you are legally required to, because you never know what might happen. 

If cost is an important part of the coverage decision, we’ve got that and more, next.

But first, listen up new parents: if your newest addition to the family means a bigger, better car is in the cards, then you’re going to want to keep reading for how to find savings on your insurance. But insurance is just one part of the financial puzzle when it comes to expanding the family. Grab our free financial guide for new parents so you can stay on top of all things money when the wee one arrives.