How do I find cheap auto insurance quotes in Broken Arrow?
Welcome to Broken Arrow, Oklahoma, a thriving town on the rise with families that is full of museums and historical gems. If you’ve recently moved here and need auto insurance, or are a current OK resident looking for cheaper car insurance rates, then you’ve come to the right place. We’re about to break down the cheapest options for minimum liability and full coverage and give a few tips on how to find the best deals.
Auto Insurance Is Your Legal Responsibility
Drivers in almost all states are required by law to have at least minimum liability insurance in order to drive a car. You need to have it in hand to even obtain or renew your driver’s license, no matter if you own a car or not. That’s because minimum liability only covers the other driver in the event you cause an accident. So even if you don’t own your own car or wish to carry insurance on your own car, the local government wants to make sure other people on the road are protected.
In Oklahoma the minimum liability insurance requirements are:
Bodily Injury Liability Coverage: $25,000 per person and $50,000 per accident
Property Damage Liability Coverage: $25,000
Uninsured Motorist Bodily Injury Coverage: $25,000 per person and $50,000 per accident (this last one can be rejected if you choose but insurance companies must at least offer it to you)
The Cheapest Car Insurance Options In Broken Arrow
While the average cost of minimum liability in OK is around $745, it can range with an upper limit of around $1,168. If you want full coverage then your cost will be higher. According to Value Penguin, the cheapest car insurance companies for Broken Arrow residence are USAA, State Farm, and the Oklahoma Farm Bureau.
State Farm has minimum coverage starting at just $37 a month. They are a well-known brand that people can count on. You can usually get additional discounts for pre-paying annually or choosing auto-draft from your bank account to pay your premiums. You can also get discounts for safe driving among other things.
Companies offering the cheapest rates for full coverage are about the same, but you can add Progressive to that list. Progressive is another national chain that offers very competitive pricing and great customer service.
A few things that will raise your rates are having accidents with over $2,000 in claims, DUI or DWI tickets, and excessive speeding tickets. In fact, here is what you can expect to pay in Oklahoma if you are an unsafe driver, according to The Zebra.
Reckless Driving: $2,305
At-fault Accident (damages less than $1000): $2,527
At-fault Accident (damages greater than $2000): $2,527
Speeding Ticket (16-20 mph over speed limit): $2,050
The Best Way To Save Money On Auto Premiums
Comparison shopping is the number one way you can make sure that you are getting the best rates possible. Also, remember to check for discounts and use the pre-pay or auto-draft payment process if you are able to.