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Safe Insure Plus, LLC

2105 S. Elliott
Pryor, OK 74361

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Oklahoma Auto insurance coverage

How Much Does Umbrella Insurance Cost?

Umbrella insurance is a tricky thing to calculate a general, across the board rate for. There are many factors to take into consideration when it comes to umbrella policies and how much you can expect to pay for them. For those that live in the Pryor, OK area, the agents with Safe Insure Plus, LLC can help you determine what type of umbrella policy works best for you.

For starters, there is not a base rate to go off of for most umbrella insurance policies. Instead, the overall price is going to be calculated based on a few different factors. The first is any discount you may get by bundling an umbrella policy with a current policy. You also need to keep coverages in mind as well. Larger coverage is going to cost more while lesser coverage is going to cost less. You also want to consider the type of umbrella policy.

Though umbrella signifies that it is going to cover a wide range of things, the policy you tack it on to can change the overall cost. High-risk policies, for instance, are going to cost more and those umbrella policies that are associated with them are also going to cost more. Taking the time to speak with an agent to find out more about any particular umbrella policy is going to help you learn what types of coverage they offer and what is going to work for you. Not all people benefit from an umbrella policy. So, you should take the time to look at these policies to see what is going to work best for your situation.

For those in the Pryor, OK area, the agents with Safe Insure Plus, LLC can help you find the policy that works for you and answer your questions about umbrella insurance. Reach out to our agents for more information.

Types of Motorcycle Coverage

At Safe Insure Plus, LLC in Pryor, OK, we know that all motorcycle riders need the right motorcycle insurance at the right price. We can help you get insured and on the road right away; safely and affordably.

What Motorcyclists Need:

As a motorcycle driver in Oklahoma, you are required to carry liability coverage in at least these amounts:

  • $25,000 for death or bodily injury to one person.
  • $50,000 for death or bodily injury to two or more persons.
  • $25,000 for damage or destruction of property.

However, remember, when you get a quote for motorcycle insurance, you are not limited to the minimum amounts. Feel free to increase your protection with additional types of coverage.

It’s also important to remember that there are no insurance discounts given for wearing a helmet. In Oklahoma, it’s a law that riders under the age of 18 must wear helmets.

In addition to these basics, we offer comprehensive and collision overage as well. We offer riders:

  • Collision coverage: This will cover your bike in an accident in nearly every instance.
  • Uninsured and under-insured motorist coverage: As many as 26 percent of the motorists in Oklahoma do not have insurance at all. This type of extra coverage will protect you against them, as well as against under-insured motorists.
  • Comprehensive coverage: Comprehensive coverage will protect your bike things like fire, wind, water, theft, and vandalism.
  • Bodily injury coverage: This type of coverage will cover costs if you injure or kill someone in an at-fault accident. It will also protect your passenger.
  • Medical payment coverage: With medical payment coverage, things like prescription drug payments, dental care, medical co-payments, deductible, home nursing care, and funeral expenses will be covered.

We know you want peace of mind while on the road. Our motorcycle insurance policies offer that and more. When you are out on the road, you can feel secure knowing you have the best coverage at the best rates. You will be covered for costly damages, repairs, medical bills, rental and towing costs, and more.

Remember, the state of Oklahoma requires all drivers to have the minimum liability insurance listed above. If you are looking for motorcycle insurance in the Pryor, OK area, contact our independent insurance agents at Safe Insure Plus, LLC today!


Auto Insurance in Oklahoma: What You Need to Know

All who wish to operate a motor vehicle in the Pryor, OK must possess an active driver’s license. This is not the only requirement for legally operating cars, trucks, vans, and motorcycles in the state of Oklahoma. Most drivers must also carry an auto insurance policy. Here are some things you should know about insuring your vehicle in Oklahoma.

Auto insurance providers in Oklahoma are required to offer drivers uninsured motorist coverage. If your vehicle is damaged by another driver and that driver doesn’t have insurance, an uninsured motorist clause would pay for any injuries sustained by you, family members, or passengers who are using the vehicle at the time of the accident. This coverage is elective but highly recommended.

  • Your liability insurance does not cover repairs to your vehicle. Damage to your vehicle is paid for under your collision policy. For this reason, the experts at Safe Insure Plus, LLC suggest that all auto insurance subscribers add optional collision coverage to their policies. This policy applies to individual drivers. In a family, each member needs individual coverage for full protection.
  • Customized cars can be covered too. This coverage includes work done to accommodate physical handicaps and cosmetic applications. An additional endorsement is needed to secure this coverage, or your policy will only cover the cost of the stock version of your vehicle.
  • If items come up missing from your car, your auto insurance policy is unlikely to pay for replacements. These would be covered by your home or renter’s insurance policies. Check with your insurance agent for details on what policies apply to your belongings.

Safe Insure Plus, LLC serves the auto insurance needs of businesses and residents in the Pryor, OK area. Contact our friendly representatives to learn more about protecting your property and life with customized auto insurance.


How Artificial Intelligence Affects Commercial Insurance

Commercial Insurance protects your business from unforeseen circumstances such as property damage, theft, liability, and much more. The most common commercial insurance coverage options include property insurance that caters for damages caused to the business premise, liability insurance that caters for damages towards third-party agencies or individuals, and workers’ compensation that covers injuries towards your workers while at work. Talk to our agents at Safe Insure Plus, LLC to understand what suits you most. Commercial Insurance hasn’t been left behind regarding technology advancements; it has embraced AI to make the process easier and faster.

Here are some of the ways AI has affected commercial insurance in Pryor, OK:

Assessing risk

Insurance companies used to rely on client information to assess risks. Some clients were dishonest making risk assessments inaccurate. Artificial intelligence has enabled insurance companies to access more abstract sources to get the right risk assessments. Accurate risk assessments translate to appropriate premiums and coverage options that are beneficial to clients.

Detecting fraud

Fraud has always been a concern for most insurance companies, and AI has ensured that this is prevented. AI technology can be used to identify patterns that may not be visible to humans.

Automation of Processes

Lots of process and paperwork that come with commercial insurance have been simplified by AI. Activities such as underwriting, reporting claims, checking coverage options, and even communication have been automated. This reduces time spent and expenses incurred during such activities.

Reducing human error

Commercial insurance involves a chain of distribution that is complex and tiring. AI has reduced errors that are caused by middlemen. All that a client needs is to log into a portal that will direct them to everything they want to do.

The contribution of artificial intelligence technology has the potential to change your experience and provide excellent services to both the client and the insurer. At Safe Insure Plus, LLC in Pryor, OK, we offer affordable insurance policies to suit your budget and coverage needs. Contact us today to get a quote or seek further information about Commercial Insurance.

Five Benefits of Equine Mortality Insurance

Owning a horse is a special privilege. Whether it’s a family pet or an investment animal, a horse naturally becomes a major part of your life. When your animal passes away, the burden is more than emotional. It can also be a financial situation, especially for Pryor, OK area business owners who rely on them during their work days. Equine mortality insurance protects horse owners from financial loss. Here are several benefits of purchasing equine mortality insurance from Safe Insure Plus, LLC.

  • Your policy pays out for most types of accidents or situations that lead to the horse’s death. Animals that are vulnerable to attack from predators or work on a farm are protected from random accidents.
  • The cost of compassionate euthanasia is also covered. If your veterinarian recommends putting an animal down, your insurance policy will cover the financial costs so you can deal with the emotional side of things.
  • The payout from your policy will cover the cost of replacing your horse. This is a huge advantage for small operations where the loss of an animal can send a business grinding to a complete halt.
  • Stolen property is also covered under most contracts. If your horse comes up missing, your insurance policy will help pay for another one.
  • Colic surgery is a standard procedure for many horses. Your equine mortality insurance can be customized to provide partial coverage for medical costs associated with colic procedures. Extra medical insurance may also be available with additional policies.

Businesses and private owners need equine mortality insurance to protect their interests. Are your animals in the Pryor, OK area covered? Contact Safe Insure Plus, LLC to customize a policy that protects all the essential things in your animal’s life.

Five Reasons Why You Should Have Boat Insurance

Spring is just around the corner, and Safe Insure Plus, LLC in Pryor, OK wants the fisherman of Oklahoma to know that, if their watercraft is uninsured, we offer boat/watercraft insurance policies to protect their investment from the dangers of the rivers and lakes.

Here are five reasons why you should have boat insurance:

1. Liability is expensive

On the off chance that your vessel causes harm to another, you know immediately that the most significant dangers are the costs of medical bills and lawsuits. Nonetheless, consider what happens if a visitor slips and falls on board the vessel or is harmed from crashing into another boat?Without watercraft protection, you would be responsible for hospital expenses and individual obligation in sums significantly more prominent than the watercraft’s value. This is reason enough to keep up no less than a reliable liability policy.

2. Coverage for Bodily Injury

Whenever large objects crash at certain speeds, an injury is bound to happen. Boat insurance reaches out to incorporate coverage for treatment and hospitalization in response to an incident that results in bodily injury. Specific policy options will even cover lost wages for work. A conventional approach can transform a calamitous misfortune into a slight burden, which is another advantage to having watercraft protection.

3. Insurance against Robbery

If your boat is stolen, Safe Insure Plus, LLC ascertains that you have been repaid for the estimated value of the watercraft. Robbery can happen even from the water, and we need to ensure that your craft is covered in the event of such a misfortune.

4. Uninsured Boater Coverage

There is a real possibility that you may be involved in a collision with another boater who does not have insurance for their watercraft. If this is the case, you may find your self paying for someone else’s negligence. This type of coverage can pay for the mistakes of others, without insurance, to cover your boat.

5. Total Replacement

If your watercraft sinks or has damages as a result of collision or fire which are unrepairable, a boat insurance and watercraft policy can possibly replace the value your boat was worth at the time of the incident. The value is determined by your agent and you upon purchase of your policy.

Give us a call or visit our offices in Pryor, OK to receive a quote and learn more about what a boat/watercraft insurance policy can do for you.

Why you should take the time to insurance your classic car

Your classic car is your treasure. It took time, perhaps even years, restoring it. Now that you’ve got your classic vehicle in parade condition, you can truly enjoy its history, design, and power. Just as you’re careful about buffing the car and how you treat the upholstery, your insurance coverage is a matter worth serious consideration as well. 

Safe Insure Plus, LLC needs classic car owners to know that before they can start a policy, they must meet the requirements that qualify their vehicle as a classic. This can include the age of the car, how it is kept, what uses will be made for it, and more. A classic car policy also has an agreed upon amount for value because a classic vehicle does not depreciate like a regular car.

Our agents can assist you in finding the insurance coverage tailored to your unique needs. It’s a fact of life that as careful as you are with your classic car, unfortunate incidents can happen. We can tell you what is covered and to what degree. Your classic car deserves proper insurance protection, and with a proper policy, we can provide you the restoration parts for your vehicle in the event of an accident or disaster.

Here at Safe Insure Plus, LLC, we have the information you need, pulled from a variety of well established and recognized insurance providers. We enjoy helping our neighbors around Pryor, OK. Reach out to our agents to find out if your car is eligible for classic car insurance and learn how to get started.


What are the Benefits of RV Insurance?

One of the best ways to see the country is to buy an RV and drive it all over this green Earth. For those that are in the Pryor, OK area, making sure the RV is properly insured is very important. There are many benefits that come when acquiring RV insurance from a trusted insurance agency such as Safe Insure Plus, LLC.  


The first benefit of RV insurance is that it will provide insurance protection to cover replacements or major repairs of the RV. When you are shopping for an RV insurance policy, you can get either total loss replacement or agreed value coverage. With total loss replacement, you will receive enough money to replace the RV with one of similar age and mileage. With agreed value coverage, you will receive coverage up to a previously determined level.  

Personal Property

Another benefit of RV insurance is that you can receive coverage for your personal property. Unlike other types of vehicles, the RV at times can be your primary residence. Because of this, you will also want to have your personal belongings covered under the policy. More valuable items, such as jewelry, may need additional rider policies to receive coverage.

Liability Coverage

Since you can drive RV, you are taking on a certain amount of liability every time you got behind the wheel. An RV insurance policy will provide you with liability insurance to protect you from incidents with others. This will provide you with typical liability insurance that comes with most auto policies as well as liability insurance for those that are guests of your RV.

Choosing the right RV insurance policy is a big decision, those that are in the Pryor, OK area should contact Safe Insure Plus, LLC. We are a leading insurance company that can help you determine what type of RV insurance policy you need.  

Can a Landlord Require You To Buy Renters Insurance?

Many apartment complexes and property management companies are now stating that tenants are required to carry renters insurance as a condition of the rental agreement. One of the questions that we at Safe Insure Plus, LLC, serving the Pryor, OK area, are asked is whether the landlord can require this. Here is some information you may want to know.

Can You Be Required to Buy Renters Insurance?

If your lease states that you are required to carry renters insurance, you are required to do so. A landlord can decline to rent to you if you indicate that you will not obtain this coverage. However, if it is not in your lease, a landlord cannot force you to obtain it. This information can later be added when a new lease is signed though if you decide to stay in the house or apartment, and renew your lease. 

Why Would a Landlord Require You to Have Renters Insurance?

Many renters believe that a homeowners insurance policy covers them and their belongings should something happen in a rental home. Unfortunately, this is not true. For many homeowners and apartment complex owners, they find themselves being sued if something happens and the tenants belongings are not covered. While the tenant will likely not win the lawsuit, they can make an attempt. Defending these lawsuits can be costly and time-consuming. As such, many companies and owners now require renters insurance, so the tenant’s belongings are covered in the event of unforeseen circumstances, and potential litigation can be avoided. 

If you are looking to obtain a new renters insurance policy, turn to Safe Insure Plus, LLC, serving the Pryor, OK area. We can help you find the right renter’s insurance policy for your needs. Call us today to get started.

Does Your Business Need Commercial Umbrella Insurance?

If you own a business around Pryor, OK, consider whether commercial umbrella insurance is required to protect you from catastrophic loss. This is especially important if you have high-value equipment and assets, such as commercial real estate. Trust your Safe Insure Plus, LLC agent to help you determine whether your business could benefit from coverage that covers unforeseen losses.  

What is Umbrella Insurance?

The primary purpose of getting an umbrella policy is to cover your assets from unexpected events, such as property damage or personal injury claims that exceed the limit of your regular policies. If someone files a lawsuit against you or your business, your umbrella coverage pays for damages you are held responsible for up to the policy limit.

Commercial umbrella insurance is usually only applied to amounts over and above the limit on any other policies you hold. So, your first step will still be to file a claim through your regular liability insurance, then file an additional claim under your commercial umbrella policy to cover any remaining cost.

What Does Umbrella Insurance Cover?

Your Safe Insure Plus, LLC agent can help you understand what is covered under the available umbrella policies for your business in Pryor, OK. Generally, umbrella insurance pays for catastrophic losses exceeding the limit of a primary liability policy, such as commercial general liability, commercial auto, and watercraft or aircraft policies. It serves three purposes:

  • Provides excess limits after an underlying liability has been exhausted. 
  • Pays for the balance of a claim amount filed against you after the primary liability insurance has been exhausted by payment of claims 
  • Protects against some claims excluded by the underlying policies when requirements have been met

Contact Us

Contact Safe Insure Plus, LLC at 918-373-8179 for more information and to schedule time to visit us regarding your insurance options in Pryor, OK.