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1903 N Main St,
Muskogee, OK 74401

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Get Auto Insurance Protections from Muskogee OK’s Most Dangerous Intersections

An Overview of Muskogee’s Most Dangerous Intersections by D & E Insurance Agency

The most dangerous intersections are often reported by local citizens and the Department of Transportation authorities, who collect data on frequent automobile accidents and the flow of traffic patterns in the region.

Factors that make an intersection dangerous include some or all of the following:

  1. Complex Traffic Layouts
  2. High Traffic Volume
  3. Poor Visibility
  4. High Speeds
  5. Frequent Turning
  6. Inadequate Traffic Control Devices

Muskogee’s most dangerous intersections identified by local sources and long-time residents include:

  • Country Club Road and Shawnee Bypass: High speeds, no left turn light, and traffic congestion lead to numerous fender benders, rear ends, and sideswipes.
  • US 62 / Shawnee Bypass between 6th and 11th Street: This area reports a higher-than-normal amount of auto accidents due to high congestion and a complex layout.
  • US 69 and 24th Street: This intersection is along one of the most congested and highly traveled routes in the area. High traffic volumes drive auto-related incidents here.
  • Okmulgee Avenue at 40th Street, 43rd Street, 44th Street, and 54th Street: This main thoroughfare sees more than its fair share of collisions due to frequent turns and a lack of adequate traffic control devices.

Protect Your Automobile in Muskogee, OK

Now that you have a better idea of where some of the city’s worst traffic congestion and high incidents of auto accidents occur be proactive in protecting your auto from the financial fallout that can result from local fender benders. A comprehensive auto insurance policy can protect your vehicle against a wide variety of perils.

Talk to a licensed and knowledgeable D & E Insurance Agency agent today to get a comprehensive insurance quote to protect your vehicle from accidents, theft, natural disasters, and vandalism!

Overlooked Commercial Policies Your Business Needs

When it comes to protecting your business in Muskogee, OK, certain insurance policies are often overlooked despite their importance. At D & E Insurance Agency, we believe in helping local businesses understand all their insurance options to ensure comprehensive protection. Here are some key policies you might not have considered but could be crucial for your business.

  • Cyber Liability Insurance: In today’s digital age, every business, no matter its size, faces cyber threats. Cyber liability insurance protects your business from the repercussions of cyber-attacks and data breaches. Considering the rising frequency of these incidents, this coverage is becoming essential for safeguarding your client data and your company’s reputation.
  • Employment Practices Liability Insurance (EPLI): This protects your business against employee claims alleging discrimination, wrongful termination, harassment, and other employment-related issues. As companies in Muskogee grow and employ more staff, the risk of these claims increases, making EPLI a wise addition to your insurance portfolio.
  • Directors and Officers Insurance: This policy is critical for businesses that have a board of directors or executive officers. It protects these key personnel from personal losses if they are sued as a result of serving the company. This type of insurance can help attract and retain qualified executives in Muskogee, OK.
  • Business Interruption Insurance: Property insurance covers physical damage from events like fires or storms, but business interruption insurance covers the revenue you lose during these closures. This can be a lifesaver for sustaining operations until your business in Muskogee, OK, can fully reopen.

Contact us today if you’re unsure about your current coverage or want to learn more about these essential but often overlooked policies. Let D & E Insurance Agency help protect every facet of your business.

How Much Coverage Should I Have For My Home? Do I Have Enough?

Do you have enough home insurance coverage to pay for property damage, damage caused to others, and possible displacement expenses? Owners often ask this question, so we’ll cover the basics here.

Personal Property Coverage

There’s no need to have a valuable collection or wine cellar to need personal property coverage. There are likely costly items that would require replacement should there be an incident. Electronics and jewelry are common goods in this example. Typical places cover property values between 50 to 70% of home value.

Liability Coverage

Should you, a household member, or a pet be found liable for harming another person in your home or damaging their property, you’ll need personal liability coverage. Most insurance companies advise having coverage that’s equivalent to your net worth.

Additional Living Expenses

Should a disaster strike and leave your home uninhabitable, you will have expenses such as rent, meals, laundry, and storage costs. Also known as loss of use coverage, your home policy typically covers additional living expenses by 30%.

Additional Coverage Options

A few supplemental policy add-ons that you should consider adding include the following.

  • Other Structures: Coverage for fences, storage buildings, etc.
  • Inflation Guard Clause: Increases coverage amounts due to inflation
  • Extended Replacement Cost: Boosts coverage between 10 and 50% as needed
  • Equipment Breakdown Coverage: Covers the costs of repair or replacement for electronics and appliances
  • Service Line Coverage: Repairs lines damaged due to inclement weather, malfunctions, and tree invasions

Wondering Whether You Have Enough Home Insurance?

Find out more about your coverage and whether you need supplemental policies to have ample insurance in place. Contact us at D & E Insurance Agency in Muskogee, OK, to get all the answers you need.

Why Renters Insurance is a Smart Financial Decision.

Insurance for those who rent is not typically required by law; however, renters insurance provides a simple and affordable solution to help renters protect themselves from property and financial losses or injury to others. The D & E Insurance Agency, which serves the greater Muskogee, OK region, offers this advice about renters insurance benefits.

Renters Insurance Provides Liability Coverage.

This policy, which a tenant can buy and even choose to tailor to their needs, will cover someone’s medical and/or legal expenses should someone become injured in the rental unit.

Renters Insurance Protects the Insured’s Personal Property.

A renters’ policy offers insurance coverage for personal belongings (which may include items like furniture, clothing, electronics, and more) should a covered event (e.g., theft, vandalism, etc.) cause the items mentioned above to be damaged/stolen. Specific policies for renters may cover personal belongings damaged/stolen when not within the rental property—for example, a laptop stolen from your parked car.

Renters Insurance Covers Additional Living Expenses Should You be Displaced.

If the rental unit becomes unlivable (due to a defined, covered loss), this policy reimburses for temporary living expenses until you can return.

Note that some landlords may require renters insurance as a lease provision. However, given the security and the peace of mind provided by having a renter’s policy protecting you against unforeseen events, an insurance policy for renters can only be considered a wise financial choice.

For more information about renters’ insurance and its potential value for you, your family, and your personal belongings in and around the Muskogee, OK area, contact the insurance professionals of D & E Insurance Agency at 918-682-3632 or online.

Can You Get Auto Insurance Before You Buy a Car?

Preparing for Vehicle Ownership: The Role of Car Insurance

If you’re in the process of procuring a car, you must be deliberating over car insurance. Driving efficiency, some individuals prefer to have their car insurance squared away even before their first car acquisition. If that sounds familiar, our team of professionals at D & E Insurance Agency serving Muskogee, OK, can guide you through the necessary steps to ensure a seamless car purchase.

Car Insurance: A Compulsory Requirement

It’s unavoidable—car insurance is an essential prerequisite to driving a car. The inability to secure an insurance policy prior to owning a vehicle can be a source of confusion. To finalize the policy sale, your insurance agent will require details such as your car’s VIN (vehicle identification number).

Initiating An Insurance Policy Before Car Purchase

You may not finalize a car insurance policy without owning a car, but you can certainly shop for a policy and orchestrate most policy details beforehand. Such pre-emptive measures help streamline the car purchase process at the dealership. Once most policy details are outlined, the final step involves a simple phone call to your insurance agent to disclose the VIN and other relevant data.

Setting up an auto insurance policy is a simplified process, and it’s critical to coordinate your car purchase with your insurance agency’s operational hours for timely communication of your information.

Questions on Insurance for a New Car?

If you have questions about securing an auto insurance policy for your future car, don’t hesitate to reach out to the D & E Insurance Agency serving Muskogee, OK, for more information. We’re here to help.

Can My Business Buy a Business Owners’ Policy?

Protecting your small to mid-sized Muskogee, OK area business proves simpler with a business owners’ policy (BOP) from D & E Insurance Agency. This package of four commonly needed insurance policies provides your business with vital financial protection at a better rate than purchasing the four policies separately. 

BOP Qualifications

Every insurance company uses its own modification of the criteria, but each applies four main requirements. To qualify for a BOP, a business must:

  • Maintain a staff of fewer than 100 individuals
  • Operate from an office or commercial space
  • Generate annual revenue of less than $1 million
  • Require one year or less of business interruption insurance.

Essentially, a BOP provides a strong foundation for a company while it remains in the startup phase.

How a BOP Helps Your Business

Buying a BOP package doesn’t just save you money on premiums. It automatically provides coverage for:

  • Commercial property
  • Bodily injury and property damage liability
  • Personal and advertising injury liability
  • Business interruption coverage.

With these important protections, a business remains covered from most perils and all liability situations.

You can also add other coverage to your commercial policy package, using the BOP as the foundation. Commonly added coverage includes a commercial auto policy, glass coverage if your business space features plate glass windows, and malpractice protection for attorneys and medical practitioners.

Contact Us for Coverage

Contact D & E Insurance Agency for a commercial insurance consultation for your Muskogee, OK business. We offer commercial policies that protect the financial future of your business. Call or email us today about a business owners’ policy for your company.

Should I Tell My Insurer if I Have a New Trampoline or Swimming Pool?

As a homeowner, you know how important it is to have home insurance, whether or not your home has a mortgage on it. At D & E Insurance Agency serving Muskogee, OK and surrounding areas, we take pride in educating all of our home insurance policyholders, so they can get the coverage they need.

Risk Assessment

When you buy home insurance, the insurance company takes into consideration a range of factors, including where your home is located, what it’s constructed of, and other things. Adding things to your home, such as a new addition or home office, changes how much coverage you may need. Adding certain other features to your home can change your coverage needs as well. This includes things like swimming pools and trampolines.

Features That Add Value

Certain features add value to your home in the eyes of homebuyers. Depending on the homebuyers’ perspective, a swimming pool may be a desired feature, or it could detract from the value. Much depends on the area and the perceived value. If your home is valued higher by your local tax assessor because of the pool, you may need more home insurance coverage.

Either way, though, a trampoline and a swimming pool increase risk, too. Any feature that could potentially be a hazard might be considered a risk. You’ll want to protect yourself from these risks, in the event that anyone is hurt while using these features. And it makes good sense to notify your insurance company ahead of time if you’ve added features of any kind to your home.

Call Today To Discuss Your Options

Since this can be a complex situation, you should consult with your insurance representative at D & E Insurance Agency serving Muskogee, OK. We can help you to determine if your home insurance coverage meets all your needs.

Why All Renters Need Renter’s Insurance

If you rent your home, there are a number of precautions that you need to take to protect yourself. One way that you can protect yourself is to have a renter’s insurance policy. These policies protect you in a number of ways against serious expenses that could be unaffordable. All renters need to have this policy in place just in case of damaging incidents that can cost them a bundle. If you’re a renter and need coverage, call us at D & E Insurance Agency in Muskogee, OK.

It’s Generally Required

One reason that you need to have renter’s insurance is that it’s usually required by landlords. You don’t have to have the dwelling insured, as that’s up to the landlord. However, you do need the other types of protection that these policies provide. If you don’t have a policy in place, the owner of the home may be sued if something happens there that damages property or injures someone. Your renter’s insurance has different types of coverage within it, and one of these is liability coverage. The policy can pay for the medical bills and other costs that someone has if they are injured in your home. 

It Protects Your Property

The items that you own inside your rented home are also in need of protection, and renter’s insurance includes this type of coverage. You have a lot invested in the things that you own, and they could be in danger or being destroyed in an accident, disaster, etc. When this happens, your policy can pay for you to replace the things you own so that you can quickly get back to your normal life. 

Get Renter’s Insurance Today

Even if it isn’t required for you, you need renter’s insurance. Call us at D & E Insurance Agency in Muskogee, OK. 

Can I insure someone else’s car for myself to drive?

Everyone has a different life and circumstances. While most auto insurance is specifically tailored to individuals and their automobiles, there are other policies designed for non-owners. If you drive regularly but don’t own a vehicle in Muskogee, OK, D & E Insurance Agency can help you find a policy that works for you. 

How Does Non-Owner Auto Insurance Work?

Not every insurance company even offers non-owner policies. Normally, insurance follows the car instead of the driver. That way, people can allow their friends and family members to borrow their vehicles. 

With a non-owner policy, the insurance follows the driver. A non-owner policy provides liability protection to the driver in whatever car the driver is currently operating. Without additional protection, there is not usually coverage for other damages, such as the driver’s own injuries. 

Reasons You May Need a Non-Owner Policy

Here are the main reasons people get non-owner auto insurance:

  • You may need to carry a non-owner policy temporarily if you are between vehicles and you want to avoid a lapse in coverage.
  • Sometimes the court orders individuals to carry insurance after certain kinds of convictions. If those individuals do not currently own a vehicle, they can meet their legal requirements by getting a non-owner insurance policy.
  • Many people find it more practical to rent cars on a regular basis instead of maintaining and storing their own vehicles. If you do this, make sure your non-owner policy covers rentals.
  • If you don’t own a car but borrow other cars regularly, you can get a non-owner policy that will kick as secondary coverage.

We Are Here To Help

If you would like to discuss non-owner auto insurance, or if you have questions about auto insurance in general, please feel free to call D & E Insurance Agency in Muskogee, OK today.

Four misconceptions out there about commercial insurance

Business owners need to be properly informed to make the right choices about commercial insurance. Unfortunately, there’s a lot of misinformation that business owners in Muskogee, OK could come across. At D & E Insurance Agency, we’re dedicated to informing business owners and helping them make the best decisions on insurance coverage.

The following are four misconceptions out there about commercial insurance:

Commercial insurance is always optional.

Commercial insurance is not always optional; in many cases, it’s mandatory. Laws and regulations may require businesses to carry certain types of insurance, such as workers’ compensation or liability coverage, to protect employees, customers, and the public.

Commercial insurance is not affordable for startup businesses.

Commercial insurance can be surprisingly affordable, even for startup businesses. By tailoring policies to specific needs and leveraging discounts, startups can obtain essential coverage without breaking the bank. This protects a business’s operations and helps achieve future growth.

Business owners can always get coverage under their partner’s commercial insurance policy. 

Business owners cannot always rely on their business partner’s commercial insurance policy. Each business should maintain its own insurance coverage to protect its interests, as relying on a partner’s policy may lead to coverage gaps or conflicts.

All commercial insurance policies are the same.

Commercial insurance policies are not one-size-fits-all. These policies are typically uniquely tailored to the specific needs that a business faces. That’s why business owners need to take the time to figure out what types of coverage and how much coverage their company needs. 

Consult With Us

Get the information you need on commercial insurance by contacting us at D & E Insurance Agency. Protect the financial future of your business in Muskogee, OK with the quality coverage we offer. Call now for a policy quote!

Partner Carriers

  • Access Insurance Company
  • American Modern
  • AmWINS
  • Equity Insurance Company
  • Gainsco
  • Harbor
  • Liberty Bankers Life
  • National Lloyds
  • The National Security Group
  • Progressive
  • Traders Insurance
  • Travelers
  • UAIC