Car Insurance in Owasso, OK
Watch out for your financial security by getting great car insurance in Owasso for a great price.
Owasso is in Tulsa County and has just under 40,000 people and with virtually no public transportation in Owasso, the population of just under 40,000 people must use their cars to get everywhere, making good car insurance a necessity.
Of the 18,000 residents currently active in the workforce, about 91% either drive alone or carpool, and 7.72% work from home.
With a 21.4-minute daily drive to work, commuters should protect themselves with car insurance coverage.
State laws require that drivers have 25/50/25 liability policies. These cover damages you cause in an accident or that someone else causes if they hit you. Normally, you turn in your claim with the at-fault driver's insurance in a not-at-fault accident to get paid.
Liability coverage pays for damages you cause to someone else in a crash. This is a critical part of your car insurance in Owasso, and you can use VIU by HUB's online comparison platform to ensure your limits meet your needs while your rates stay within your budget.
In Owasso, you can expect to pay around $450 a year for the required minimum liability coverage, which is higher than the state average but lower than the national average. Note that minimum coverage policies are eligible for the fewest number of discounts and don't offer many ways to save money.
Bodily injury coverage protects other drivers from injuries you cause in a crash. It pays for medical bills to treat injuries, pain and suffering and lost wages. You want your liability limits to be high enough to cover any damage you might cause.
This policy pays for your medical expenses should you have an accident where the other driver is at fault and doesn't have insurance. This is a great idea since Owasso is a metropolitan area with some congestion on the roads.
The first thing you should do in any accident is check yourself and your passengers for injuries. When there are injuries, call 911 immediately. If everyone is fine, call the non-emergency line for your local police department to request a report. While they do the report, take photos of the accident. Before leaving the scene, make sure you get a copy of the uninsured driver's personal information, including their driver's license number. Then, you will have everything you need to file a claim with your insurance company.
State laws don't require that you have an uninsured motorist policy. You should consider this type of coverage in Owasso for several reasons.
Your policy can range from 25/50 to 250/500. However, you cannot purchase more than your bodily injury liability policy has. For example, if you go with the minimum in bodily injury coverage, you cannot buy more than a 25/50 uninsured motorist policy. If you want to purchase 50/100 in uninsured motorist coverage, you must have bodily injury liability coverage of at least this much.
Use VIU by HUB to compare rates from different insurers and pick the best car insurance in Owasso for you. Comparing policies will help you get the lowest prices and have enough coverage.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
