How do you find the best auto insurance in Tulsa? Finding the best auto insurance in Tulsa begins with conducting thorough research regarding various policies available. By working with Tulsa Insurance Guy, you can access the best auto insurance rates that protect you and your family while you are on the road. 

Navigating various auto insurance policies can be quite a time consuming and confusing task. With the help of this step-by-step guide, we hope that your next auto insurance experience is simple and straight-forward. Keep reading to learn more about finding the best Tulsa auto insurance policy for your family!

Steps to Finding the Best Tulsa Auto Insurance

Like many things in life, finding the best Tulsa auto insurance policy takes time. However, if you follow these steps for success, you will find a great policy that fits both your needs and your budget.

Research Auto Insurance Agents in Tulsa

The first step to finding the best auto insurance in Tulsa is to research various auto insurance agents in Tulsa. While there are countless insurance agents, it is important to work with a team of experts who truly have your best interest in mind at all times. 

Tulsa Insurance Guy has access to auto insurance policies from over 80 nationally recognized insurance companies. They work to provide each client with the best rates. In most cases, they save clients an average of up to 28% off traditional rates.

Personal Referrals

When you are beginning your search for an insurance agent in Tulsa, you may wish to ask your friends and family members for personal referrals. This is a great place to begin generating a list of agents to research further.

Online Reviews

Another great way to find an insurance agent in Tulsa is by reading online reviews on sites like Google and Facebook. Reviews provide you with insight into the experience of past and present clients of the insurance agent.

Figure Out What Type of Auto Insurance Coverage You Need

After finding an insurance agent with experience and exceptional reviews, you need to determine what type of auto insurance you need. 

Minimum Auto Insurance Requirements in Oklahoma

Oklahoma, like most other states, has requirements regarding auto insurance minimums. To legally operate a motor vehicle, the driver must have an active auto insurance policy. 

In the very least, Oklahomans must have a minimum of $25,000/$50,000/$25,000 in liability coverage. This means that your policy covers up to $25,000 for bodily injury per person, with a maximum of $50,000 per accident. Additionally, the policy covers up to $25,000 of property damage to the other person’s property.

While this is Oklahoma auto insurance minimum, there are countless benefits to investing in more comprehensive coverage. 

Liability Coverage

The minimum requirement in most states, including Oklahoma, is liability coverage. This type of auto insurance policy covers bodily injury to another person and property damage to another person’s property. Liability coverage will not cover any bodily or property damage to your personal property in the event of an accident.

Uninsured & Underinsured Motorist Coverage

Although auto insurance is a requirement in Oklahoma, some individuals operate a vehicle without coverage. If you are involved in an accident with an uninsured or underinsured motorist, you will be responsible for your medical bills or vehicle repairs.

Coverage for uninsured or underinsured motorists is available that may help you pay for any bills or expenses that you incur due to this type of accident. While underinsured motorist coverage is mandatory in some states, it is not required in Oklahoma. However, most individuals benefit from this additional coverage.

Collision Coverage

Collision coverage helps pay for repairs to your vehicle if you are involved in an accident with another vehicle or a stationary object. This type of coverage helps cover damage to your vehicle due to single-car accidents. It may also cover crashes into trees, fences, or other objects, or collisions with other vehicles. Collision coverage does not cover damage caused by theft, vandalism, or weather, or damage to another person’s vehicle. If you lease your vehicle, this type of auto insurance coverage may be required. 

Comprehensive Coverage

Tulsa experiences a number of intense storms and weather events every year. Because of this, many individuals benefit from comprehensive auto insurance coverage. This type of auto insurance policy will help cover any damage your car receives from hail, storms, or fire. It also covers damage due to theft or even vandalism. This type of insurance policy provides you with peace of mind in knowing your vehicle is covered in any situation that may arise.

These are just a few of the many types of Tulsa auto insurance policies that are available to motorists. The best way to determine the best type of coverage for your situation is to speak with an insurance expert at Tulsa Insurance Guy.

Contact Tulsa Insurance Guy for Auto Insurance Quotes

After conducting some preliminary research regarding Tulsa auto insurance, the next step is to contact Tulsa Insurance Guy for the best quotes available. 

Easy Online Tulsa Auto Insurance Quotes

Tulsa Insurance Guy works to provide an exceptional customer experience. They make it easy to request an online auto insurance quote. Simply provide them with some basic information regarding your needs and they will contact you to complete the process. 

The professionals at Tulsa Insurance Guy have access to over 80 auto insurance policies. They have the knowledge necessary to select the coverage that fits both your needs and your budget. 

Research Applicable Auto Insurance Discounts

A step that many individuals overlook while shopping for auto insurance in Tulsa is researching applicable discounts. The team at Tulsa Insurance Guy will help you research auto insurance discounts to provide you with an even better rate.

Some of the auto insurance discounts that may be available to you include discounts for retirees, college-aged drivers, drivers with low yearly mileage. Military discounts, safe driver discounts, and more are also available. Working with a knowledgeable insurance agent is the best way to find discounts on already low insurance rates.

Ask Questions Regarding Your Auto Insurance Policy

Once you decide upon an auto insurance policy, ask questions about your coverage. There may be things you can do to lower your rates. Things such as submitting driving records, properly maintaining your vehicle, or equipping your car with additional safety features may benefit your budget.

The best way to get the most value out of your insurance policy is to inform yourself of your coverage. The team at Tulsa Insurance Guy is always ready to answer any questions you may have regarding your auto insurance policy.

Enjoy Your Drive With the Best Auto Insurance in Tulsa

Protected by the best auto insurance in Tulsa, you can now enjoy your drive, confident in your policy and coverage. With the help of Tulsa Insurance Guy, you and your family have protection no matter what comes your way. 

Tulsa Insurance Guy works to provide you with auto insurance policies that protect your family both now and into the future. The way they care for each client as an individual is a true testament to the quality of service they provide. Contact their team today for more information regarding the best Tulsa auto insurance policies!

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In these scenarios, as well as countless others, how do you go about getting auto insurance as a carless driver? There’s something called non-owner auto insurance for these types of scenarios. You don’t need a car to get auto insurance as long as you choose a company that does offer non-owner auto insurance.

You may be surprised how many auto insurance providers offer such a plan, but we will get into that later.

Here is a guide to non-owner auto insurance. We will cover:

• Qualification of Non-Owner Auto Insurance
• Rates of Non-Owner Auto Insurance
• Coverage of Non-Owner Auto Insurance
• Who Should Get Non-Owner Auto Insurance

What are the qualifications for getting non-owner auto insurance?

In certain areas geographically and with certain insurance companies, these qualifications may vary slightly. There are three qualifications you must comply with before you can qualify for this type of insurance.

• You must have a valid driver’s license.
• You must not own a vehicle or have regular access to a vehicle, many times this includes living in a household with someone who has a car.

This is simply because it would be more cost-effective and logical for you to be listed as a secondary driver on a vehicle that you regularly use instead of getting insurance specifically for non-vehicle owners.

How much money does it cost on average for non-owner auto insurance?

The cost of non-owner auto insurance varies depending on three factors.

• Your driving record. Like with standard auto insurance and coverage plans, the cost is affected by your driving record. If you have a lot of priors that will make your rates significantly higher.
• The location in which you live. Many areas have higher rates due to driving statistics and the general cost of living. This obviously should scale with the cost of living, but in certain places, states make the non-owner auto insurance more of a headache. Therefore, the amount of work the insurance company goes through to get you auto insurance as a non-owner causes the rate to be slightly higher than it should be based on the cost of living scaling.
• The company you pick. You want to make sure you do your research and pick a company that is willing to give you the best rates possible. Many of the large auto insurance providers offer these non-owner plans, but each company sets the rate for non-owner auto insurance plans based on many things. With all of that being said, the average cost annually is $474 which averages out to be about 40 dollars a month. This is significantly cheaper than standard insurance plans. Make sure you are getting the best rate by contacting Tulsa Insurance Guy to find a solution for you.

Who should get non-owner auto insurance?

If you are researching and looking into buying non-owner auto insurance, you want to make sure that it fits your circumstances. If you are a person who knows that you will not be owning a car for a period of time, this type of insurance is perfect for you. Many times, when you are reapplying for auto insurance and there is a gap in your coverage, it is a significant rate increase.

If you keep the auto insurance, that will, first of all, allow you to take advantage of loyalty discounts, but also make sure there are no gaps in coverage. In addition, if you are someone who could potentially rent cars for trips and things in the future, this coverage can be a benefit. This will allow you to qualify to rent cars.

What does non-owner auto insurance cover?

It covers liability only.

This means that the damage caused to the other party and their property is covered, but the borrowed car you are driving would not be covered. The insurance that the owner of the car has would need to take care of their own car damage.

Liability is still very important.

It keeps you legal on the road which is very important. Accidents do happen, so it is extremely beneficial to know that anyone who may be affected by the accident is covered and will be taken care of. Liability insurance is popular with car owners with lower income and older, less expensive vehicles as well. It is definitely the most economical choice, especially when you don’t actually own a vehicle.

Non-owner auto insurance is a great thing for people who find themselves in need of it. The auto insurance companies that offer it are able to help you find out if you really need it. Your coverage may be limited, but if you are in need of the insurance, it can save you a lot of trouble on the roads.

Tulsa Insurance Guy can help you get the non-owner auto insurance you need at the best rate around. They are an insurance broker in Tulsa who works with over 80 insurance providers to get you the coverage you need where you need it most. They specialize in auto insurance and can help you find an insurance provider that can give you non-owner auto insurance at the price you can manage.

Give them a call or send them an email to get the whole process started and get your non-owner auto insurance today. They can walk you through the process and find a solution for your situation and your wallet.

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This is where Tulsa Insurance Guy comes in. They have the connections, knowledge, and understanding of the auto insurance market to get you the best and cheapest rates in Tulsa. They work with over 70 different insurance providers to ensure that you are given the best options for your auto insurance coverage. Look no further than Tulsa Insurance Guy to get the best coverage at the best price for all your auto insurance needs.

How to Get the Best Auto Insurance Rate

With a little bit of research and some critical thinking, you can make better choices for your Tulsa auto insurance. If you do your homework and come to your insurance broker with at least some semblance of a plan for your auto insurance based on your situation, vehicle arrangement, and budget.

Tulsa Insurance Guy has many ways to get you the best auto insurance rates on liability, full coverage, and bundles. Here are a few ways to save money on your auto insurance by reevaluating your current setup of vehicles and auto insurance policies.

Best Auto Insurance Rates – Liability

Liability Auto Insurance is a relatively simple type of policy that every auto insurance provider offers to anyone looking for coverage for their car or family of cars. It is the cheapest option for auto insurance, but that comes with a few caveats.

When is Liability Auto Insurance Useful?

It may be the frugal choice, but it may not be the right choice for you. That said, liability insurance is a great choice if your budget is tight or if your car is a bit older.

If your car has lost the majority of its value either through wear, age, or a previous accident, then liability auto insurance could be perfect for you. Another way liability coverage can fit for you is on a secondary vehicle. Let’s say you have a sedan you drive almost everywhere. It goes to and from work, on grocery runs, and even on road trips to see family, but you have a truck to haul lumber for your side job making custom doghouses.

Your second vehicle that gets used only periodically doesn’t require full coverage. Liability will work just fine in this case and it can keep your auto insurance rates lower overall.

What are the Drawbacks of Liability Auto Insurance?

Liability auto insurance can be great if you are on a budget or if you just need to insure your secondary vehicle, but it does have its drawbacks for being so cheap.

The coverage is not great. Your car’s value is not protected by the insurance plan, only the cost of mechanic shop expenses, medical bills and lost wages of the other driver in a potential accident (some insurance brands also cover your medical bills and lost wages in liability coverage, but usually at added expense). This is the bare minimum coverage just to get you out from under the financial burden of the reparations paid to the other motorist.

You know you better than anyone and can tell by now if liability is a good idea for you, or if you should continue to look for a better solution. If you are generally a good, responsible driver with good defensive reaction, you may never have to worry about your auto insurance. If not full coverage may be the way to go for you.

Best Auto Insurance Rates – Full Coverage

Full coverage Tulsa auto insurance is exactly that: it covers everything fully. Both you and the other motorist in a hypothetical crash are covered, including the value of your car. Full coverage auto insurance is a great option for newer cars with more intrinsic value.

When is Full Coverage Auto Insurance Useful?

In most cases, this option is the better option in every way. Since it covers so much in the event of an accident, you can rest assured that if anything were to happen on the road, you are covered and so is the motorist you collide with. This kind of functionality and assurance comes at a price.

This higher price can be anywhere from twice as much as liability to ten times the price or liability coverage on the same vehicle. Your budget is the limit here and depending on how much you have to spend, you could get double and triple coverage on your car and expenses for after-crash care.

Full coverage auto insurance gives you confidence on the road that liability coverage could never do. This is still not a reason to drive unsafe, but you can rest easy if you get into an accident.

What are the Drawbacks of Full Coverage Auto Insurance?

Full coverage auto insurance is the go-to option for people with a higher budget or if their vehicle is newer and more valuable. This is a great thing to have in these cases, but what are the drawbacks, if any, to full coverage auto insurance?

The price is pretty high. With an unlimited supply of money, full coverage auto insurance is a no-brainer, but if you have a limited budget, there’s a good possibility that full coverage will be out of reach. This can be solved through a bit of shopping around to find a company that offers full coverage at the lowest price. Insurance brokers such as Tulsa Insurance Guy can help you shop around and find a company and price point that works for you and your desired configuration of coverage.

If you think you’ve found a good option for you, or if you already have a great auto insurance policy, you can save even more money by bundling with other insurance options.

Best Auto Insurance Rates – Bundle and Save

There’s a reason that last sentence doesn’t contain the word “auto:” you can bundle with any insurance policies. Most insurance companies offer home, life, renter’s, and even boat and motorcycle insurance to try to keep all your policies under the same roof. Bundling these policies can cut out a lot of headache and lower the cost of your overall insurance bill by quite a bit.

When is Bundling Auto Insurance Useful?

If you have multiple large ticket items bringing up the value of your belongings, you may want to get them all insured just in case anything tragic happens to them. Getting them insured can be a hassle if you are insuring them all individually, but bundling them can help cut down on overall cost. It can also help simplify your insurance payments down to a single payment monthly, quarterly, or biannually.

Working with an insurance broker can help make this process even easier as they can figure out the best system of bundling to get you the lowest cost on your auto insurance.

What are the Drawbacks to Bundling Auto Insurance?

If you don’t have multiple things in need of insuring, there would be no way to get any sort of bundle discount. With a limited budget, it would not make sense to add more cost just to reduce the cost a few dollars. Not every insurance company offers bundling to give a discount, making it hard to predict how you are able to save money. Bundling locks you in to one specific company, keeping you from finding the cheapest rates for each individual thing from all the insurance providers.

The good and bad of bundling your insurance make it a more nuanced choice that can be best made with the help and knowledge that a professional insurance broker can offer. Tulsa Insurance Guy is able to help with these kinds of choices.

Tulsa Insurance Guy is an insurance broker in Tulsa working with many different kinds of insurance, including auto, home, life, renter’s, and even motorcycle insurance. They work with over 70 different insurance agencies to make sure you have the most options to find the right policy and price for you and your budget. They understand that finding the best and cheapest insurance is not an easy task, and they will do everything they can to make your insurance selection process easier on you.

They put all your policies into one simple monthly, quarterly, or biannual payment plan so you don’t have a bunch of bills going to multiple places. Keeping up with that would be annoying to juggle along with everything else in your busy life. This cuts out the need for bundling to save headache and needing to send money to a bunch of different destinations.

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Oklahoma Winter Storms Ahead:
Are You Ready?

We admit it: As insurance pros, our picture of winter isn’t exactly cozy. Oklahoma Winter Storms means traffic snarls, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and holiday lighting can increase the risk of fire.

A picture-perfect winter requires a few precautions

Here are a few of our top tips to help reduce weather-related hassles this winter.

Winter-proof your car with good snow tires or chains, new wiper blades, antifreeze, and emergency road supplies.

Keep your attic cool to help prevent ice dams. Insulate the attic floor and make sure it is well-ventilated.

Do not overload circuits with holiday decorations.

When Oklahoma winter storms hit, be smart

If you do not have to drive, stay put. If you must drive, make sure you’ve winterized your car and have a full tank of gas.

When the air is cold, keep bath and kitchen cabinet doors open so warm air can circulate around pipes. If pipes do freeze, let them thaw normally—they’ll be less likely to burst.

And if the power is out, make sure you avoid leaving candles or fires burning unattended. If you use a portable generator, follow the instructions and do not use it indoors.

Know what your insurance covers

We want to help you rest easy.  You will be more relaxed when you know you have prepared your property to lessen the chance of winter storm damage. Your insurance policy covers repairs. Repairs can be anything from adding roofing cement to replacing shingles. I could also be a full rebuild. However, your deductible does apply. Check your policy to see what is covered and to confirm the deductible you have chosen.

If you have any questions at all about your coverage, call Tulsa Insurance Guy at 918-574-6262 and we will help you review your options.

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Although the Tulsa motorcycle insurance policy is very similar to the personal auto policy, you will never find a policy where they are combined. The personal auto policy is for vehicles with at least four wheels, and motorcycles will not qualify – at least not yet. The Tulsa motorcycle Insurance policy is a package deal made up of several different coverages:

• Bodily Injury Liability – This coverage pays for injuries or deaths you cause in an at-fault accident.
• Property Damage Liability – This coverage pays for property damage you cause in an at-fault accident. It will also pay to reimburse the other driver’s rental expenses.
• Passenger Liability – Pays for injuries to your passenger in an at-fault accident.
• Uninsured/Under insured Motorist – Similar to the personal auto policy, this coverage pays for your injuries if you are hit by an uninsured or under-insured motorist.
• Medical Payments – Since this coverage pays for your injuries and your passenger’s injuries, you should buy as much as you can afford. Especially if you don’t have medical insurance. States that don’t have a helmet law normally require riders to carry this coverage if they are going to ride sans helmet.
• Collision – This pays to repair or replace your motorcycle if you are in an at-fault accident subject to the deductible you select.
• Comprehensive – Will pay for damages to your motorcycle for reasons other than a collision. This is the coverage that pays for theft or damages resulting from hitting an animal or vandalism.
• Additional Equipment – Many riders will add additional equipment to their motorcycles such as saddlebags, windshield, custom crash bars, GPS equipment and communications This coverage will pay for this equipment if stolen or damaged in an at-fault accident.

There are many insurance companies offering Tulsa motorcycle insurance and some of them even specialize in this coverage. The motorcyclist should call or visit with an experienced agent or broker to determine which company offers the best value and rates.

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The answer to this question in the most simplest of terms is Risk. Every renter or property owner has an inherent risk of a liability claim simply because they own or rent property. Yes, your homeowner’s or renter’s policy will provide liability coverage , but the coverage is typically  limited to $300,000 and in many cases, this may fall short of your needs if an action is brought against you.

A Personal  Tulsa Umbrella Policy adds an additional layer of protection on top of all your underlying personal policies. It will provide additional liability coverage for:

• Homeowner’s coverage
• Renter’s coverage
• Personal auto insurance
• Watercraft Insurance
• Motorcycle Insurance
• RV Insurance

Since most personal insurance policies have maximum limits of only $300,000, you are at risk if the claim can’t be settled for the limit in your policy. For example, if you are in an at-fault car accident, it would not be difficult for the injured driver or drivers and passengers to accumulate over $300,000 in injury expenses that you would be held responsible for. Any amount of awarded damages over your liability limit is going to come out of your pocket. Remember, car accidents are not always the result of one car versus another car. Many times they are the result of one car, causing a multi-car pileup or driving through a convenience store. Without a Personal Tulsa Umbrella Policy that would increase your liability limits to a million dollars or more, say goodbye to your investments, savings accounts, and any other assets that are not protected from a lawsuit.

How do I know if I need  Tulsa Umbrella Policy?

The easiest way to determine if you need a Personal Tulsa Umbrella Policy is to add up the value of your assets. Anything over the liability limit of your auto, home, renter’s, boat, motorcycle, and RV insurance policies is at risk of being lost if an action brought against you.

The good news is that most Personal Tulsa Umbrella Policies are very affordable. A typical one million dollar policy can cost as little as $175 per year depending on your situation. Most insurers will offer limits of $1 million to $5 million dollars without many underwriting questions. Call your agent or independent broker and find out how little you’ll pay for so much coverage.

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