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Oklahoma Car Insurance Quote

 
Living in Oklahoma one can enjoy the benefit of the state motto: "Labor vincit omnia or ("Work conquers all")".

Do a little bit of work- some extra research- and you can save money on your car insurance. Log on to quotecarinsurance.com which is an online insurance marketplace where you can browse through great offers and get the most affordable insurance available in Oklahoma. By comparing rates from multiple companies, you not only get the lowest rates, you also get a policy that is tailored to your needs. We offer a convenient way to purchase your car insurance, saving you time and money.



Rates

Oklahomans paid an average of about $862 in insurance premiums in 2003, compared to the national average of about $914. It is popular perception that all these rates are fixed by insurance companies and state regulatory agencies, but in reality, discounted and competitive rates are available in Oklahoma, and quotecarinsurance.com is the best place to find them.

Comparing rate change over the last four years, within the state of Oklahoma, the average car insurance premium in 1999 was about $713, which is an increase of about 20.9% in 4 years! But in 2007, the rates are expected to decline for the first time since 1999. A decrease of .5% to 1% from 2006 maybe expected. Sites like quotecarinsurance.com are facilitating the change by bringing competitive rates directly to the consumer.

Consultation

An important requirement in Oklahoma is to consult your state insurance regulator. Oklahoma follows a Tort system which means someone must be found to be at fault for causing the accident and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state and it is best to check with your state insurance regulator. For consulting an expert, visit the State Insurance Regulators page on quotecarinsurance.com for a list of links to all the state insurance regulators websites.

Coverage

There are different kinds of coverage offered by the insurers. First there is the basic coverage. Oklahoma state law requires minimum Bodily Injury Liability coverage of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 25/50/25 coverage.

Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your co- passengers. While Oklahoma state law does not require a minimum Personal Injury Protection, some insurers offer this as an optional coverage.

Additionally, you can get Uninsured/Underinsured Motorist coverage for any bodily injury caused by an uninsured driver. While Oklahoma state law does not require this coverage, you can purchase this as an optional coverage for added protection.

Car insurers offer good coverage at best rates for all -it doesn't matter if you have a perfect driving record or if you are a high-risk driver. With increasing reports of auto theft and car crashes, it is important to protect yourself and your property.

Purchasing Online

In many states you have the ability to get a quote and even purchase a policy online! The site offers car insurance for Oklahoma residents in all cities and you can get a free quote for your city. So get started by entering your zip code and find out how much you can save in Oklahoma.

But are you looking for car insurance for a different state? All you have to do is go to www.quotecarinsurance.com can and you will be able to find out the rate for all the 50 States.
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