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210 SE 89th Street
Oklahoma City, OK 73149

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S & S Insurance Services, Inc. Blog

What are the Pros and Cons of Sharing an Auto Insurance Policy With Your Partner?

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 Cons

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 Pros 

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. 

Auto Insurance Terms Every Insurance Purchaser Should Familiarize Themselves With

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

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

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. 

How Can I Make Sure I’m Getting The Best Deal On My Auto Insurance?

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.

Roadside assistance is available as part of your auto policy

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.

Roadside assistance

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. 

Who can I add to my auto insurance?

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. 


Partner Carriers

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