Category: Auto Insurance

When you choose an independent insurance agent,  they work for you not for one insurance company. Independent agents represent many carriers, which allows them to find one that is the perfect fit for every customer. At D & E Insurance Agency in Muskogee, OK, we work with our customers to personalize their insurance coverage. 

When it comes to renting a car, you will probably be doing it online. These days it is the usual way to rent a car. As soon as you have placed your dates, destination, and car choice, questions about insurance coverage will start to pop up. Nobody wants to pay for insurance they don’t need at the same time, no one wants to be driving without having the coverage they need. 

Whether or not your auto insurance will cover a rental car depends on exactly what your policy looks like. If it is a basic auto insurance policy, then there will not be enough coverage. You need to have a policy with collision and comprehensive coverage. It needs to protect the vehicle itself, not just you, from liability. 

Before you decide to say yes to any coverage that the rental car company offers, check with your credit card company to find out if it provides rental car coverage. Many of them do. 

You do not need to take additional liability coverage from the rental car company if you are happy with your coverage. If you have home, condo, or renters insurance, you don’t need theft insurance for your vehicle. All you need is a CDW that takes you out of the picture in the event of damage to the car. It’s expensive but gives peace of mind.  

Contact D & E Insurance Agency in Muskogee, OK when you are in the market for auto insurance.  

In Oklahoma, there are laws about the kind of insurance that you must have on your vehicle as well as how much of each coverage type you need. This is not a limit on how much insurance you can have, however. It’s generally recommended to add more coverage to an auto policy in Oklahoma. The required amounts in Oklahoma are low when compared to other states, and adding onto your maximum payout amounts is a smart move. If you’re interested in auto insurance, call us today at D & E Insurance Agency in Muskogee, OK.

Bodily Injury Liability

When you get your auto insurance, there are two amounts of bodily injury liability protection that you must have. This includes a specific amount of coverage for one person who becomes injured in an accident. There is another, the higher amount required for when an accident injures two or more people. Both of these amounts are too low to pay for a serious accident in many cases. In some cases, the medical bills may go on for weeks or more as someone receives care after the accident. Your bodily injury coverage even pays for your own lawyer’s fees. 

Property Damage Liability

The state of Oklahoma also requires you to have at least a specific amount of coverage for any property that is damaged during an accident that you caused. This coverage can cover items in the other car that get broken in the crash as well as property damage is done to a home or to landscaping. This coverage is vitally important not only because it’s required but because it can save you from financial disaster if another vehicle or other items are damaged and you don’t have the money to fix it all. 

Get Your Auto Insurance

If you need auto insurance in Oklahoma, call us at D & E Insurance Agency in Muskogee, OK.

With so many motor vehicle coverages available, most vehicle owners face the challenging task of determining the exact amount of insurance they need. Ask any insurance agent, and they will tell you they’ve encountered the question: how much car insurance coverage do I need? 

Unfortunately, there’s no precise answer to the inquiry. The amount of auto insurance needed primarily depends on the number of coverage you are considering and the deductibles you can comfortably bear. According to the D & E Insurance Agency of Muskogee, OK, here is how you determine the amount of car insurance needed.

Liability Insurance

In almost all the states, the law requires that you have liability insurance cover if you own a vehicle. This insurance coverage comes to your rescue when your car causes injuries or damages to other people or their properties. 

Whereas you can’t predict the extent of damages or injuries you’d cause, you should have higher liability coverage — this would enable you to cover more damages. 

Experts recommend having 100/300/100 liability insurance if you are to be on the safe side. This simply means $100,000 per individual, $300,000 per crash (bodily injuries), and $100,000 (property damage liability). If you have a high liability exposure, consider umbrella insurance. 

Collision Insurance

This sort of insurance coverage protects your auto in case of a collision with other cars or properties. It’s essential to have this coverage as it covers your auto’s repair cost after an accident. But how much of it do you need? You should have coverage that repairs or replaces your vehicle without incurring out-of-pocket expenses. 

Comprehensive Insurance

Unlike the collision insurance cover, comprehensive insurance coverage shields your vehicle from any damage that arises from reasons other than collision. For instance, a falling object can hit your auto while it’s parked. Like collision coverage, you should carry comprehensive insurance sufficient to cover repairer replacement of your vehicle without incurring expenses from your pocket apart from the deductibles.

The bottom line

Although there are several other auto insurance coverages that you should consider when answering the question “how much motor vehicle insurance do I require?” the above are the most common. If you are stranded, D & E Insurance Agency in Muskogee, OK will guide you to figure out the amount of insurance you need. 

If you live in the city of Muskogee, OK, and are interested in learning more about auto insurance in your area, agencies such as D & E Insurance Agency can help answer your questions and teach you more about the benefits of auto insurance and why it is mandated in Oklahoma.

In Oklahoma, anyone who drives a vehicle must have a minimum amount of auto insurance coverage. In fact, before you go to the DMV in Oklahoma to register your car, you will need proof that you have current auto insurance. Additionally, you will need to bring personal identification documents, such as your vehicle title. Then, you will need to take your car to the nearest Oklahoma Tax Commission or Oklahoma Department of Public Safety within the next 30 days to see a tag agent who will inspect your vehicle and confirm the vehicle identification number and odometer reading.

In addition to all of this, you need to ensure that you meet all of the minimum legal requirements for auto insurance coverage in Oklahoma. You will need property damage liability coverage for $25,000, as well as bodily injury liability coverage and uninsured motorist bodily injury coverage (both in the amount of $25,000 per person, in addition to $50,000 per accident).

Teenage drivers in Oklahoma needed to follow certain rules when it comes to auto insurance as well. They need to meet all of the requirements to receive a learner’s permit and then a license, and they must be covered by auto insurance in the state of Oklahoma, just like any adult who lives in the state.

If you are a Muskogee, OK resident, and want to know more about auto insurance, you should feel free to contact the professionals at D & E Insurance Agency. We will answer any questions you might have and point you in the right direction regarding what policy you should get for yourself.