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March 26, 2015

Cheap Auto Insurance

Cheap car insurance. We help to find cheap auto insurance .

Are you tired of paying so much for your auto insurance policy? If so, may be able to help with that. These days people are cutting back on just about everything, and even you don’t want to cut back on your auto insurance policy. So, if you’re looking for cheap auto insurance, you have found it!

Car Insurance Law

The state of Oklahoma is a Tort state. Persons responsible for an accident will be required to pay all the damages which result from the accident they caused. Oklahoma is a comparative negligence state. This means that the insurance companies distribute the financial responsibility of an accident between those involved according to how much of the accident was the individuals fault. Individuals who do not own a vehicle are required to carry non-owners auto insurance. If a car is financed, you will most likely be required by the lending company to carry comprehensive and collision coverage on the vehicle.

Common Oklahoma Car Insurance Practices

Oklahoma insurance companies do not have to cover members of your household if they are not listed on the policy. In fact, insurance companies may refuse to cover household members if they have a legitimate reason for doing so. Any exclusion will be listed in the exclusion section of your policy along with other conditions which will release the insurance company from the responsibility of paying a claim. If the insurance company requires you to list all household members on the policy, failure on your part to do so may result in that individual having no insurance coverage. If you do not comply with the company’s request, they can deny the claims on any persons not included on the policy. You will still be liable for any damages or injuries caused by an accident the individual is responsible for.

Your personal credit history will play a part in determining your premium rates, and insurance services you are offered. Other things the insurance company will take into consideration is your driving record, age, marital status, the age and condition of your vehicle, and the area where you live. Maintaining a good driving record and paying your bills on time may reduce your premiums.

Things that can help you reduce the cost of your insurance premiums include a clean driving record, the type of vehicle you choose to drive as well as the number of miles you drive per year. The fewer miles you put on your vehicle each year, the lower your chances are of being involved in an accident. The reduction in accident risk can translate into a reduction in premiums. Furthermore, a clean driving record reduces your risk of an accident. It will be more expensive to insure a luxury car or a sports car. You should also keep in mind that insurance premiums will be higher on vehicles which are a high priority for thieves.

Cheap Auto Insurance in Oklahoma

Safety devices such as anti-lock brakes side air bags, automatic seat belts and daytime running lights may also reduce your premiums along with anti-theft devices like an alarm system and global positioning systems. The area where you live will affect your insurance rates. Things such as weather extremes, crime rates, and traffic patterns will have an effect on your premiums. Don’t forget to maintain a good credit record as the insurance company looks at this to determine how likely you are to pay your premiums on time. Prior accident claims will also be a red flag to insurance companies especially if there are several claims on your past record. The amount of your deductible is also a key factor when determining insurance rates. The higher your deductible is, the lower your insurance rates will be.

If you’re looking for cheap auto insurance in Oklahoma, use our free quote tool or call us at 18005305822 or on the web at www.cloverleafins.com.

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