MoneyGeek’s Oklahoma Car Insurance Calculator is a simple tool that gives a quick estimate of premium costs associated with different coverage options and scenarios. It takes into account several key elements, including age, profile and driving history as well as coverage level or adding teen drivers – among them all are covered within its estimates. MoneyGeek’s calculator can help you understand these variations and find an option most suited to your needs.
Oklahomans typically pay $589 annually for minimum liability policies; however, many drivers can find significantly cheaper rates. To see your savings potential, enter your zip code into the Oklahoma car insurance calculator above; this will show rates from several companies for minimum of $100,000 bodily injury liability, $300,000 property damage liability, and $5000 uninsured motorist coverage. Alternatively, full coverage policies allow comparison so you can see how much additional collision and comprehensive protection costs.
One factor that could significantly raise your annual rate is having traffic violations or at-fault accidents on your record, which will require higher-limit policies or be classified as high-risk drivers. Even after such events have taken place, however, you may still find an affordable policy through USAA; their annual rate for DUI drivers in Oklahoma is just $1,217!
If you have received multiple speeding tickets within three years, a higher-limits policy or high-risk insurer such as USAA might provide more affordable premiums; however, Progressive offers competitive rates at $1747 annually which is $943 less than state average premiums.
As you age, expect your car insurance costs to increase accordingly. Young drivers tend to be involved in more accidents than their elder counterparts and therefore face higher premiums; typically it is most cost-effective for young drivers to be added onto their parent’s policy as this provides them with additional discounts than an independent policy would.
Once you have selected and signed on with a provider and policy, it is vitally important that you obtain proof of insurance cards. When visiting the DMV to register or renew registrations for your vehicle, these will save time and hassle when visiting. Additionally, updating information in your vehicle registration can allow the DMV to easily verify your address based on VINs and odometer readings.