Frequently Asked Questions

What Happens If I Have A Foreign Or International Driver's License?

Plan on getting auto insurance in Oklahoma or Texas with a non-U.S. License? A lot of people wonder if they can get insurance in the U.S. with a non-U.S. License. Many people that migrate to the U.S. finding themselves uninsured and searching for answers about how to go about getting regular liability insurance. Whether it is to either go get your driver's license switched to a U.S license, or maybe your interested in getting your car registered in the States, or even if you want to keep your license that is okay too.

Whatever your needs, at Cheapest Auto Insurance we can write you a policy. We have affordable insurance policies for everyone even those that have international or foreign drivers licenses. At Cheapest Auto Insurance, we help people every single day get the insurance they need right away. So what are you waiting for? Either swing by one of our many locations or give us a quick call. We know it can be a pain to find insurance somewhere that offers good rates for International DL’s so we make it really easy for you to get a quote. Click here to get started.

Remember to be eligible to drive according to USA.gov you must possess an active drivers license.

We can write a policy within Oklahoma or Texas now! So it doesn’t matter where you live in one of the states we operate in. We can give you a free quote for your auto insurance today. Don’t forget to refer a family member or friend! We love to pass on the savings to everyone! 

What If I Have A DUI Or An SR-22?

The state of Oklahoma requires all vehicle drivers to have adequate auto insurance coverage in order to protect themselves, their property, and the people that might be injured during an accident. Despite some upfront costs, auto insurance is in place to keep you from major financial losses and gives peace of mind for possible future expenses on car repair, car rental, medical bills, and many others. Thankfully, people in Oklahoma can save a great deal on their auto insurance.

Despite the low insurance premiums of Oklahoma, some drivers are still not carrying any type of auto insurance policy. Driving without insurance is illegal and police officers can identify these people through routine traffic checks. Failure to present a proof of auto insurance will allow the police officer to issue a traffic ticket and suspend the auto registration as well as the driver’s license. In most instances, drivers who have an Oklahoma DUI can also face major charges for such incidents.

Often they will be required to present a form called an SR-22, which is a way of reinstating the driver’s license after convicting such offense. An SR-22 can be obtained from your local auto insurance agent. This is usually requested by the policyholder in order to submit it to the local DMV. SR-22 submission is dependent on the driving penalties committed. There are instances where the DMV will require an SR-22 form every year for three years and this must be replaced by a new form if one has switched to another insurance company or has transferred to another state.

If you need an SR-22 or if you have had a DUI or a DWI, then Cheapest Auto Insurance can help. With access to over 30 companies in Oklahoma, we will be sure to find you the lowest rates. Simply click here to get started!

What Are Some Common Auto Insurance Terms And Definitions?

To help you have a clear understanding of Insurance: (Hey you have to buy it, might as well understand it right?)

AT FAULT:

The degree to which you caused or contributed to an accident, or are “at fault,” and determines whose auto insurance company pays what portion of the damages. The method by which this is determined varies from state to state.

A representative of an auto insurance company who investigates and settles claims to ensure that all parties – you, your auto insurance company, and anyone else involved – receive fair compensation.

When you suffer a loss that’s covered by your insurance, such as an automobile accident, you submit a request to your auto insurance company to pay or reimburse you for expenses, damages, and other financial obligations. By definition, that request is called a claim.

If you are at fault for an automobile accident, bodily injury coverage on an auto insurance policy pays the medical expenses and additional damages for which you are liable for other individuals injured in the accident.

The degree to which you caused or contributed to an accident, or are “at fault,” and determines whose auto insurance company pays what portion of the damages. The method by which this is determined varies from state to state.

A representative of an auto insurance company who investigates and settles claims to ensure that all parties – you, your auto insurance company, and anyone else involved – receive fair compensation

When you suffer a loss that’s covered by your insurance, such as an automobile accident, you submit a request to your auto insurance company to pay or reimburse you for expenses, damages and other financial obligations. By definition, that request is called a claim.

DEDUCTIBLE:

Any damage to yourself, your vehicle, or other people or property that is covered under your insurance policy.

Coverage that pays for damages to your vehicle resulting from a covered loss other than a collision, such as fire, theft, vandalism or contact with persons, animals, birds or falling objects.

COMPREHENSIVE:

Coverage that pays for damages to your vehicle resulting from a covered loss other than a collision, such as fire, theft, vandalism or contact with persons, animals, birds or falling objects.

COLLISION:

Coverage that pays for physical damage to your vehicle caused by rolling over or a collision with another vehicle or object, such as a building, fence or telephone pole.

INDEPENDENT AGENCY:

An insurance Agent or agency not directly employed by an insurance company. By definition, independent Agents may represent multiple insurance companies and can help you find the best fit for your personal auto insurance needs.

MEDICAL PAY:

Coverage that pays for reasonable medical expenses or death benefits to anyone covered under your policy in the event of an auto accident, regardless of fault.

Coverage for damages your auto causes to others and their property.

MOTOR VEHICLE RECORD:

A state record of licensing status, violations, suspensions, and other infractions you’ve had over the last several years. The MVR is one of many factors used by your auto insurance company to fairly determine your premium, based on the probability that you’ll have a claim in the future. Coverage that pays for reasonable medical expenses or death benefits to anyone covered under your policy in the event of an auto accident, regardless of fault.

PREMIUM:

The amount you pay for your insurance coverage; can be paid monthly, quarterly, yearly or according to different payment plans that you select.

A state record of licensing status, violations, suspensions, and other infractions you’ve had over the last several years. The MVR is one of many factors used by your auto insurance company to fairly determine your premium, based on the probability that you’ll have a claim in the future.

VEHICLE IDENTIFICATION NUMBER (VIN):

Your vehicle’s serial number assigned by the manufacturer. The VIN identifies year, make, model, options and other information that, by definition, is unique to your specific vehicle.

Coverage that pays for your bodily injury and related medical expenses when you’re injured in an automobile accident and the responsible party (other than yourself) doesn’t have auto insurance or can’t be located (hit-and-run).

If purchased, this auto insurance coverage will reimburse you for reasonable towing costs and labor costs at the site of breakdown when a covered vehicle is disabled.

Note: Each state governs auto insurance differently, and some of these terms and definitions may differ from state to state, or from policy to policy.

Can I Get Insurance With A Suspended License In Oklahoma?

The short answer is Yes.

Depending on your specific situation, there are many ways to obtain insurance in order to get your license back.

Make sure you check with your local DMV authorities to determine if you need an SR-22, a "Non-Owners" Policy or just a normal Insurance Quote.

Once you have obtained the proper type of insurance, we will provide you with the necessary paperwork to take the Tag Agency and they will instruct you further on what is needed to get your license reinstated. It is a very simple and quick process and one that we do here daily at Cheapest Auto Insurance. Make sure you give us a call at (918) 744-5145 or get your quick free quote today so we can get the process started for you, thanks!

Can I Get Auto Insurance After A DUI?

Although everyone realizes the dire consequences of a DUI or DWI, most people have no idea how much it really costs you financially until after it happens. The obvious repercussions are that you will have a black mark on your driving record for a mighty long time, and you may even have your vehicle confiscated for a period of time. Some states will prevent you from driving, and you may even have to serve jail time. But, after all of that is over and you are legal to drive again, how can you get low cost auto insurance?

The average financial cost of a DUI in this country, taking into consideration the ticket, legal fees, and penalties, is over $10,000. Then, you come to the additional cost of your car insurance. Once you have a DUI on your record, you can certainly expect the cost of your car insurance to go up, but that does not mean that you can’t still get low cost auto insurance.

By shopping with us, you will be able to compare low cost auto insurance from multiple companies at one time. From there, you will be able to see which companies are eager for your business and which ones are not. We have many options for your situations.

Just because you have a DUI does not mean you are uninsurable, and also remember that the length of time since your DUI occurred is also important, so if it has been a year or more since the DUI, it might be time to get a new quote on your auto insurance. You could end up saving a lot of money. Click here for a quick quote, we look forward to helping you!

What Are 8 Ways To Attain A Lower Auto Insurance Cost?

We have determined 8 key ways that you can get a lower rate on your auto insurance.

1. Shop Around for Insurance

Prices vary from company to company, so it pays to shop around. Let us save you valuable time by shopping for you! We have over 30 insurance companies and our duty is to match you with the perfect fit that saves you the most money possible while keeping you and your family properly protected.

2. Before You Buy a Car, Compare Insurance Costs

Before you buy a new or used car, check into insurance costs. Car insurance premiums are based in part on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft.

3. Ask for Higher Insurance Deductibles

Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

4. Reduce Insurance Coverage on Older Cars

Consider dropping full coverage on older cars and switching to liability coverage. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost-effective. Review your coverage at renewal time to make sure your insurance needs haven't changed.

5. Buy your Homeowners Insurance and Auto Insurance from the Same Insurer

Many insurers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers. You may save money buying from different insurance companies, compared with a multi-policy discount.

6. Maintain a Good Credit Record

Establishing a solid credit history can cut your insurance costs. Insurers are increasingly using credit information to price auto insurance policies. To protect your credit standing, pay your bills on time, don’t obtain more credit than you need and keep your credit balances as low as possible.

7. Take Advantage of Low Mileage Insurance Discounts

Some companies offer discounts to motorists who drive a lower than average number of miles a year. Low mileage discounts can also apply to drivers who carpool to work.

8. Seek Out Other Insurance Discounts

Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you take a defensive driving course. If there is a young driver on the policy who is a good student, has taken a drivers education course or is at a college out of the area without a car, you may also qualify for a lower rate.

What’s the best car for insurance?

Here are a few vehicles that are best to insure:

• Ford Fiesta
• Fiat Panda
• Kia Rio

Are newer cars cheaper to insure?

In most cases, the answer is no, it is usually more expensive to insure a newer car. Because newer cars have a higher value than older ones. Which during an accident an insurance company has to pay the value of the vehicle at the time of loss and a newer car will cost more to fix than an older one. Some auto insurance companies feel a driver with a new car will drive more carefully and therefore in certain situations companies offer a lower rate for a new car.

Can I get car insurance without paying up front?

No, to purchase an auto insurance policy and coverage to be bound there has to be an exchange of money from customer to carrier and documents signed by the insured and company for document to be binding.

What is the best and most affordable car?

Studies have shown that State Farm and USAA have the most affordable car insurance. For people who have bad driving records and no previous insurance policy, it has proven to be more affordable to call a non-standard auto insurance broker who can shop numerous companies for you, who specialize in that field. They have contracts with many different companies that can get the best price in many cases.

How long are you considered a high-risk driver?

Tickets and accident stay on your driving record for three years with most insurance carriers. Some auto insurance companies do go back five years. So after your violations are over three years old you are not considered a high-risk driver any longer.

Where can I get car insurance with a bad driving record?

Many non-standard auto insurance agencies provide affordable auto insurance for people with a bad driving record. Most cities in have several of these non-standard auto insurance brokers that can help bad drivers with their insurance needs. These brokers have contracts with many different auto insurance companies in so they can shop a wide variety of price options.

What is the best car insurance for bad drivers?

The Best High Risk Auto Insurance Companies of 2020 according to www.thebalance.com are below

• Bristol West
• Allstate
• State Farm
• Progressive
• Geico

How much does your insurance go up when you add a teenage driver?

According to www.incharge.com, adding a teenage driver can add up to 365% to your auto insurance policy. A big factor in how much it will go up depends on whether you have the teenage driver rated on a full coverage vehicle or a liability only vehicle. Putting them on the liability car will help keep costs down dramatically.

Will my insurance go up if I add a new driver?

Depending on the age of the driver yes, your insurance can go up. But there will be some cases where your insurance will not be affected. For instance, if you add a driver who is 30 years old or above and a clear driving record it may not affect your rates at all.

What is the cheapest car insurance for high-risk drivers?

Basic state minimum liability auto insurance is the cheapest auto insurance policy for a high risk driver. If a customer with a bad driving record needs to add full coverage it can get very expensive. High risk drivers have accidents and/or tickets on their driving record that make them a higher risk for auto insurance companies. Many high-risk drivers start out with basic liability auto insurance at the beginning and as their driving record improves they add more coverages like full coverage, uninsured motorist coverage, and medical payments.

Do you offer car insurance for just 30 days?

Yes. We have several carriers that offer a one month term on car insurance.

Can I let someone that is not a driver on my car insurance policy drive my car?

Almost every insurance company will tell you that this is not acceptable. It could result in your policy being canceled if discovered.

Will uninsured motorist coverage pay for my vehicle damage in Oklahoma?

No. Currently, uninsured motorist in Oklahoma only covers bodily injury as the result of an accident due to the fault of an uninsured driver.

What is included in full coverage car insurance?

Full-coverage car insurance can mean many different things. When starting an insurance policy with more than just liability protection, ask your agent to explain the different types of coverages offered to make sure you have the level of protection you desire.

Am I required to get full coverage car insurance if I'm making payments on my car?

Some finance companies do allow their customers to only get liability car insurance if they purchase a vehicle damage protection plan. This almost always increases the car payment, so check with the insurance company to see if it's cheaper to have the full coverage through them before adding it with your finance company.

What is non-owners car insurance?

A non-owners car insurance policy offers the policyholder liability protection when driving a vehicle they don't own or don't regularly drive.

How long do moving violations affect my car insurance rate?

Most carriers allow moving violations to affect your insurance rate from three to five years after the date of the violation. We do have a few carriers that will only rate violations two years after the date they were incurred.