As a driver in Oklahoma City, OK, you want to ensure you’re always protected. While basic auto insurance coverage is essential, S & S Insurance Services Inc. recommends adding these vital add-ons for peace of mind.
Uninsured/Underinsured Motorist Coverage
Even though auto insurance is mandatory in the state, many uninsured or underinsured drivers are still on the road. You may be left with significant expenses if you get into an accident with one of them. Uninsured/underinsured motorist coverage can help cover these costs, including medical bills and vehicle repairs.
Personal Injury Protection
Personal injury protection can help cover medical expenses, lost wages, and other related costs if you or your passengers are injured in an accident. This is particularly important if you have a high deductible health insurance plan or no health insurance coverage. One key benefit of personal injury protection is that it pays regardless of who was at fault in the accident.
Comprehensive coverage can help protect your vehicle from non-collision damage, such as theft, vandalism, or natural disasters. This coverage is especially crucial if you live in an area prone to storms, floods, or hurricanes.
Breaking down on the side of the road can be stressful, especially if you’re far from home. Roadside assistance coverage can help with services like towing, jump-starts, and flat tire changes, giving you peace of mind knowing that help is just a phone call away.
Give Us A Call
At S & S Insurance Services Inc., we understand that every driver has unique needs and concerns. That’s why we offer a range of auto insurance add-ons to help give you the coverage you need. We serve drivers throughout Oklahoma City, OK and the surrounding areas. Contact us today to learn more.
One of the largest investments that someone in the Oklahoma City, OK area can make will come when they buy a car. If you are going to purchase a car, you will also quickly recognize that it is an asset that you will rely on daily. Accordingly, getting the right insurance is very important. One form of coverage all people here need to consider getting is comprehensive insurance.
A fully comprehensive insurance plan will provide various forms of coverage:
Theft and Vandalism Risk
One of the risks that people will face is the risk that a car could be stolen or damaged by another person with intent. If you are a victim of theft or vandalism, the cost to replace or repair your car can be significant. If you are not insured, you will need to cover these costs out of your own savings. However, with an auto insurance plan with comprehensive coverage, you will receive the support you need in these situations.
Natural Disaster Damage
If you live in an area prone to hurricanes, tornados, or other types of natural disasters, there is always a chance your vehicle could be damaged during one of these situations. If you have a comprehensive insurance plan, you will get the support that you need in these situations. This can ensure you are able to make necessary repairs or replace the car entirely.
Have Questions? Consult With Us
Auto insurance becomes essential when you own a vehicle in Oklahoma City, OK. To ensure you have the right coverage, it’s wise to reach out to our team with S & S Insurance Services Inc. When you contact us at S & S Insurance Services Inc., you’ll receive expert guidance and support to tailor a comprehensive insurance plan that effectively safeguards both you and your vehicle. This will keep you in good standing with any requirements and will also offer peace of mind.
Basic auto insurance is the minimum required by the state to operate your vehicle. If you have an old vehicle with little cash value, that may be fine. At S & S Insurance Services Inc., serving the greater Oklahoma City, OK region, we are independent insurance agents, and we take our responsibility to our customers seriously. We make sure they have as much auto insurance as they need to be protected.
In the state of Oklahoma, the basic amount of auto insurance you must have is liability coverage in the amount of 25/50/25. That will protect other drivers from you, but it doesn’t do anything to help you protect your vehicle. If you are leasing your vehicle or have a car loan, you will need to have additional insurance to protect the car.
Beyond The Basics
If you are like most people, you count on your vehicle every day to do your regular activities of daily life. Getting to work, going to the grocery store, running errands, etc. are vital, and being without a vehicle can be a serious problem and cause a lot of stress. Not everyone has the cash necessary to pay for repairs or to replace their vehicle out of pocket.
Comprehensive coverage and collision coverage provides protection for accidents that happen to your vehicle when no one else is responsible for the damage. It can be weather-related, it can be an accident you caused, or a one-car accident. It also covers theft, vandalism, a cracked or damaged windshield, and a whole lot more. Furthermore, it provides the peace of mind that you need when it comes to your vehicle.
Contact Us Today
To discuss your auto insurance needs, give S & S Insurance Services Inc. in Oklahoma City, OK a call or drop by our office.
If you are starting to build a life with a partner or new potential spouse, you may find yourself wondering if you should share an auto insurance policy. Here at S & S Insurance Services Inc., providing residents in the greater Oklahoma City, OK area with auto insurance, we want to help our customers make the decision that is right for them. Learning the pros and cons of sharing a policy can help you to see if sharing a policy may be a good idea or a bad idea for you and your partner.
Sharing an Auto Insurance Policy With Your Partner
The biggest downside to sharing an auto insurance policy with your partner is that you can civilly be held liable if your partner causes an accident that causes more damage than your auto insurance coverage provides for. You open yourself up to this liability if you share a policy with anyone, including a partner, a spouse, or a teenage child.
The biggest benefit associated with sharing an auto insurance policy with your partner is that your rates may decrease. When you combine policies, you and your partner will likely be spending less compared to each of you having your own policy. Additionally, it helps to ensure that you are both covered on each other’s vehicles, so you can freely share cars or drive each other’s vehicles.
Contact Us Today
If you have decided to share an auto insurance policy with your partner, or you want to keep your policies separate, S & S Insurance Services Inc., serving the greater Oklahoma City, OK area, is here to help you with all of your auto insurance needs. Call us today to obtain estimates for auto insurance products.
Here at S & S Insurance Services Inc., serving the greater Oklahoma City, OK area, we have noticed that many people are unfamiliar with common lingo or terms that are used in the automobile insurance industry. Unfortunately, this can make it hard to understand specific policy information or to even select the policy that is best suited to that individual. Our agency wants to make it as easy as possible to select the right insurance policy for your needs.
Here are just a few of the auto insurance terms that every insurance purchaser should familiarize themselves with:
Liability insurance helps to cover other individuals’ cars, property, or expenses if you are at fault for an accident. Every state has a mandatory minimum liability insurance coverage amount, but you are able to purchase more than the minimum amount.
Comprehensive coverage is auto insurance coverage that covers your vehicle for events outside of accidents. This may include fire, theft or flooding. If your car is not paid off yet, you may be required by the loan company to carry comprehensive coverage.
A deductible is an amount you will have to pay out-of-pocket, or up-front before your insurance policy pays for any remaining balance. Not every policy has the same deductible, so it is important to consider what the deductible is on a specific policy.
Get Auto Insurance Today
If you are looking to purchase a new insurance policy, chances are, you are going to hear the terms liability insurance, comprehensive coverage, and deductible. These are just a few of the terms that are commonly used in the auto insurance industry. If you are looking to purchase a new auto insurance policy and have questions about terms, coverage, or limits, reach out to S & S Insurance Services Inc., serving the greater Oklahoma City, OK region. Let us help you find the right insurance policy for your needs.
The high cost of your auto insurance might be why you are not getting sufficient coverage. However, ensuring you get the best deal on your car insurance will allow you to get adequate coverage for your vehicle and keep your insurance rate low. S & S Insurance Services Inc. offers this guide in navigating auto insurance in Oklahoma City, OK.
Tips For Getting The Best Deal On Auto Insurance
1. Repair Your Car to Excellent Condition
Unless your vehicle is straight out of the showroom, it likely has a few problems that affect its functioning. Before seeking auto insurance, make sure that all the issues that your car might have been fixed and that it’s in tip-top condition. If your insurer inspects your car and finds it to be working perfectly, they will deem it safe and less of insurance risk. This will result in lower insurance rates.
2. Do a Valuation for Your Car
Most cars depreciate, although each car model depreciates at a different rate. Just because other car models from the same OEM as yours are depreciating slowly or faster, it doesn’t mean that’s the case for your vehicle. At S & S Insurance Services Inc., we suggest that you do a valuation for your automobile to find its "true/actual value." Use this "true/actual value" to purchase your auto insurance. This will prevent you from incurring the unnecessary expense of insuring your car for more than its worth and paying unusually high premiums.
3. Take a Defensive Driving Course
Taking a defensive driver course provides you with the skills and knowledge to be an outstandingly better and safer driver. When purchasing your car insurance, the insurer will offer you a massive discount if you have completed the defensive driving course, making your insurance cheaper.
Contact Us Today
Are you a driver in Oklahoma City, OK, looking for auto insurance info or deals? Call S & S Insurance Services Inc. today, and top-notch auto insurance professionals will assist you.
The many features and benefits available through auto policies continue to grow. S & S Insurance Services Inc. has you covered when it comes to providing auto insurance to our Oklahoma City, OK friends and neighbors. If you are looking for auto insurance, or just want to update your current policy, give us a call today.
We are all familiar with the many benefits of roadside assistance services, but did you know that this is often a feature available through your auto policy? Being stranded by the side of the road with car problems is an experience that we can all do without! But if the worst should occur, you’ll want to have this service in place.
Roadside assistance can be a lifesaver if your car breaks down or you are involved in an accident. It can also be a great help if your car needs to be towed in for service. Now is a great time to give your auto policy a closer look to see if it provides roadside assistance. While you’re at it, why not learn more about the many features that are available to OK drivers.
Car insurance can provide you with many more benefits than liability coverage. Why not take the time to find out more about the policy options that are available to you?
Find out more today!
The team at S & S Insurance Services Inc. is proud to serve the greater Oklahoma City, OK community. We are here to help you with all of your insurance needs. Call or stop by today and find out more about the many features that are available to OK drivers.
Like most other states, auto insurance is required in the state of Oklahoma. If you have a family or a roommate, you may wonder if everyone needs their own auto insurance policy or if everyone can be on one? Can you cover your children if they move out of the family home? Questions like these are why you need an insurance agent you trust. At S & S Insurance Services Inc. in Oklahoma City, OK, we are always there to answer questions and provide our customers with the insurance products they need.
You can add any family member who lives in your home to your auto insurance policy. As a matter of fact, it may be a requirement to add them depending on what insurance carrier that you have. When your teens get to the age to get a driver’s license, it time to add them to your insurance policy. But what happens when they go off to college? In most cases, a child in college who comes home on breaks and during the summer is still considered part of the family and can be included in your policy. When they graduate and move to another city and live independently, they need to get their own auto insurance policy.
If you have a nanny, roommate, or someone who uses your car regularly but is not an immediate family member, you should discuss this with your insurance carrier to see how they suggest handling it. In most cases, the insurance is on your vehicle, not you as the main driver, so if someone is driving with your permission, they should be covered but don’t necessarily need to be added to your policy.
Contact S & S Insurance Services Inc. in Oklahoma City, OK for all your insurance needs. We care for our customers like members of our extended family.