Auto Insurance FAQ

Many variables can impact the cost of your coverage. While some factors are personal, others are related to the local environment. Common elements include:

• Driving record
• Vehicle type
• Location
• Credit history

While Oklahoma requires a minimum amount of liability coverage, those limits may not fully cover your assets after a serious accident. Our team may recommend the following:

• Collision coverage for repairs to your vehicle after a crash, regardless of fault
• Comprehensive coverage for noncollision events, such as theft, vandalism or severe weather damage
• Uninsured/underinsured motorist coverage for when you’re involved in an accident caused by a driver who carries little or no insurance

Weather-related damage falls under comprehensive coverage. Hail, flooding, fallen trees and wind damage are common comprehensive claims in storm-prone areas. If you carry only the state minimum, weather damage to your own vehicle is not covered. If you’re in an area with frequent severe weather, consider weighing the cost of comprehensive coverage against the risk of going without it.

You may be eligible for premium discounts by bundling your auto and home policies, maintaining a clean driving record or choosing a higher deductible. Additionally, some carriers offer discounts for vehicles equipped with advanced safety technology or for students with good grades.

If you are involved in an incident, your first priority should be safety. Once you are safe, document the scene with photos and exchange information with any other parties involved. Contact our team as soon as possible, so we can guide you through the claims process.

In most cases, your auto insurance follows the vehicle, not the driver. If you give someone permission to drive your car and they have an accident, your policy is typically the primary coverage. Coverage may become complicated if the other driver is an excluded driver under your policy, a household member without their own coverage or someone who regularly uses your car. Review your policy terms or speak with your agent before allowing others to regularly drive your vehicle.

Contact Best Insurance, Inc today to review your current coverage, compare your options and find a policy suited to your needs.