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Safe Insure Plus, LLC

2105 S. Elliott
Pryor, OK 74361

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Oklahoma Auto insurance coverage

4 Tips on What to Ask When Getting Classic Car Insurance in Oklahoma

If you’re in need of classic car insurance in the state of Oklahoma, there are some things you’ll want to know about first. Be prepared by doing your research and talk to an insurance expert at Safe Insure Plus LLC to put your mind at ease.

Your Car Must Qualify

Does your vehicle qualify as being a classic car? There are some criteria that go along with this. For one, it has to be over a certain age. It also should be your second car, meaning it’s not the one that you primarily use for transportation.

Most Important Coverage for Your Classic Car Insurance

Every policy is different just like every vehicle is different. So, you’ll have you to talk about options with a reputable Pryor, OK area insurance agent.

Some of the more common types include:

  • Liability Coverage: This helps you pay for any expenses related to injuries and damages for other people if you’re in an at-fault accident. No matter the vehicle you have, buy as much liability coverage as possible.
  • Medical payments: If your vehicle doesn’t have advanced security features or it’s had crash test ratings that are not great, it would be a good idea to add on medical payments coverage.
  • Collision and comprehensive coverage: If your car has depreciated in value by a great deal, you may be paying too much for comprehensive and collision coverages plus your deductible. If it would add up to more than the car’s value, you may not want to add these to your policy.
  • Emergency Road Service: If your older car is likely to have more breakdowns, think about getting a roadside assistance policy.

Costs for Insurance

Although there’s no definite answer on how much your classic car insurance will cost without talking to an agent about your specific vehicle, note that a classic car typically costs less to insure. However, this isn’t the case if it was manufactured in another country, and/or the parts will be expensive to replace or repair.

Know What Your State Requires

Is there a certain minimum requirement in your state? An agent at Safe Insure Plus LLC can assist you in figuring out if this is the case in Pryor, OK. Reach out to us today with your questions.

Beyond the RV: What RV Insurance Covers

An RV is a delightful way to discover the Pryor, OK area, and the rest of the United States.  RVs need to be insured while you are out exploring.  At Safe Insure Plus LLC, our team is ready to talk with you about your RV insurance options. They can answer any questions that you have so that you can make an informed decision. 

Legally, RVs are required to have liability insurance.  As an RV is both a vehicle and a domicile, the coverage is different from auto policies in a few ways.  Policies vary based on their size and weight.  The most popular RVs are mid-sized and rated Class C. 

RV insurance generally includes replacement costs should it be totaled or stolen.  Everything attached to the outside as accessories, such as awnings or satellite dishes, are covered.  All personal items inside are also protected.  This includes electronics, clothing, and sports/camping equipment.  If you infrequently use the RV for a yearly trip, talk with your agent.   The amount and type of insurance that your agent recommends may be impacted by the amount you use it. 

In the Pryor, OK area, our agents at Safe Insure Plus LLC will talk with you about your RV insurance options.  We want you to be able to safely explore the natural world around us.  An RV gives families time to spend together while discovering new places, people, and things.  Our website has general information to help you get started.  Then contact any of our knowledgeable agents to learn more about what coverage is available for your RV.  An RV represents freedom and building treasured memories.  Invest a little time to make sure that it is protected when you go out on the road.  Give us a call today!

What is Renters Insurance?

Renters insurance is for people who rent it is like homeowners’ insurance but not the same. Whether you are getting your first rental or are moving and need renters’ insurance Safe Insure Plus LLC in Pryor, OK can answer your questions.

What Does Renter’s Insurance Cover?

Renter’s insurance covers all your personal items (property) if it is stolen or damaged for example if a robber breaks into your apartment or house and steals all your stuff you are responsible not your landlord. The only time the landlord would be responsible is if he/she did not provide locks for your windows and doors or if they had been working in your home and forgot to lock up after they left.

Your renter’s insurance covers the cost of your lost belongings. If the home you are renting is vandalized, has a fire, or Mother’ Nature damages your things again they are covered under your insurance policy.      

Renters Insurance Covers Your Belongings Anywhere

That may not make much sense but what it means is simple if you take your laptop or any personal belonging anywhere with you even on vacation your things are still covered under your insurance policy. Things you may leave outside such as a bike if it is stolen from your home or the library that is also covered.

Your renter’s insurance is always with you regardless of where you go. If you go shopping with a friend and knock over a display case your insurance may pay for the damage, depending on what you have in your policy.

Renters Insurance & Damage You Cause

If you cause damage to the home you’re renting such as spilled juice or wine on the carpet that won’t come out or a hole in the wall from a doorknob etc. your renter’s insurance will also cover those things.

If you still have questions about renters’ insurance or need a policy call Safe Insure Plus LLC in Pryor, OK today our agents are more than happy to assist you with all your needs.

Important questions to ask your agent about umbrella insurance

So many people in the Pryor, OK area end up paying huge sums of money after a lawsuit because they did not have an adequate umbrella insurance policy in place. The agents at Safe Insure Plus LLC are here to answer essential questions about placing an umbrella policy. 

How much umbrella coverage do I need to carry?

There is no one size fits all answer to this question. Many factors go into making this decision. For example, if you have a pool or a dog, you may need more coverage than individuals who do not. Also, an umbrella policy limit will depend on your net worth that could be at risk in the event of a lawsuit. Your agent at the Safe Insure Plus LLC will sit down with you to review all of your risk factors to help you determine an appropriate amount of coverage. 

I carry high limits on my primary policies; why do I need to consider an umbrella policy? 

Too many people assume carrying an umbrella policy over a primary policy when you carry limits as high as a million dollars may seem unnecessary. Unfortunately, we live in a very litigious society, and claims for liability accidents involving car accidents and dog bites can quickly add up and put your net worth at risk. 

What information is needed to obtain an umbrella policy? 

To obtain an umbrella policy, there are a few pieces of information you will need to provide to us. The first piece of information we will need is a list of all of your real estate assets worldwide in addition to your primary policies on those properties. We will also require a list of any cars and boats you own, along with any primary policies. Finally, you will be required to disclose if you are a director of a board or non-profit? All of this information will help us put together a comprehensive umbrella policy. 

If you are interested in learning more about an umbrella policy, reach out to us at Safe Insure Plus LLC  today. We proudly serve the Pryor, OK  area. 

Why do you need motorcycle insurance in Oklahoma

If you live in the Pryor, OK area and are looking for a new mode of transportation, a great option to consider is a motorcycle. When you have a motorcycle, you will have an efficient mode of transit that is also fun to drive on a nice sunny day. If you do have a motorcycle in this area, it is important to get insurance in place. There are several reasons why you need to have motorcycle insurance at all times in Oklahoma.

Allows Legal Compliance

One of the reasons why people all over the state need to have motorcycle insurance is that it will allow you to comply with legal requirements. All people take on some liability risk when they operate a motorcycle. If you cause an accident, you will have to cover any damages that are caused. Having liability motorcycle insurance will ensure that you are able to do this. Due to this risk, Oklahoma requires that you carry liability insurance on your policy. 

Protects Asset

While you need to have liability coverage, you may also want to a full motorcycle insurance policy to ensure that your asset is covered. To do this, you should get a collision and comprehensive coverage policy. This will protect your motorcycle for virtually any situation that could result in a loss. 

When you are shopping for motorcycle insurance in the Pryor, OK area, you should call Safe Insure Plus LLC. The team at Safe Insure Plus LLC can help you find a motorcycle insurance policy that will provide you with the right type and level of coverage. The team will do this by fully assessing and analyzing your situation and personal risks to get you into a policy that gives great coverage and peace of mind. 

3 Tips for Buying Auto Insurance in Pryor, OK

Having an auto insurance policy is required by law in Pryor, OK. It’s as simple as that. Without it, you risk hefty fines, losing your driver’s license, and other consequences depending upon circumstances, like getting into a car accident that’s your fault. However, auto insurance really is affordable. At Safe Insure Plus LLC, we’ve put together three smart tips to help you save money on your policy and get the right coverage you deserve. Read on to learn more.

1. Compare Several Quotes

It is recommended to compare several auto insurance quotes before making a choice. Each quote is different, offering different levels of coverage for different prices. Take your time to review several quotes, paying close attention to what your needs are and where you want to stay in your budget.

2. Bundle Your Insurance Policies 

To save even more money on your auto insurance policy, bundle it with all your other policies. These can include home insurance, umbrella insurance, RV insurance, life insurance, and more. Look at different carriers to see which ones offer the best savings to customers who prove their loyalty by bundling. 

3. Work with a Reputable Agent

While the above tasks may seem straightforward, it’s better to have a reputable agent by your side throughout the process. These knowledgeable agents will answer all your questions while reviewing policies, help you find the best carrier to choose, and discover ways to save you money that you hadn’t thought of.

To learn more about purchasing an auto insurance policy in Pryor, OK, contact the team at Safe Insurance Plus LLC, serving this area. Our friendly agents are available to take your call and help you purchase the best auto insurance policy for you.  

Does umbrella insurance cover legal fees

The Christmas holidays are already here with us. We will be having children playing in our Pryor, OK yards and visitors coming to visit. We cannot rule out accidents that may leave our loved ones injured or property destroyed.

And it is similarly impossible to predict whether we may land into lawsuits that can result from injuries property damage or car accidents. That is why Safe Insure Plus LLC recommends buying umbrella insurance to avoid certain devastating financial losses from such unforeseen events.

So, does umbrella insurance cover legal fees?

Umbrella insurance is an all-round type of policy that protects everything that matters to you like your personal assets and loved ones. In fact, umbrella insurance looks after your overall well-being including legal fees every time you are served with a lawsuit.

And who is it for?

Anyone can purchase umbrella insurance. You don’t have to be wealthy to acquire one. Accidents don’t choose whom to attack and regardless of whether you have assets or not, the little you have could end up being garnished by these unpredictable misfortunes.

What if I have other basic policies?

Umbrella insurance offers excess coverage above and beyond the basic coverage offered by basic policies like auto insurance, motorcycle insurance, boat insurance, and home insurance. However, umbrella insurance is not self-dependent and can only be used when the standard policies are inadequate. 

What about legal fees

With an umbrella policy, legal fees are typically covered on top of the policy amount. The policy also pays you for appearing in a court proceeding–if it is associated with you losing money from work. This is particularly important for those who work on hourly jobs.

Contact us at Safe Insure Plus LLC or visit us in Pryor, OK today for inquiries, new policy discussions or quotes.

Motorcycle Insurance: Are You Ready For Winter

Now that winter is upon us, motorcycle riders in Pryor, OK will find themselves wondering if their insurance policy is sufficient. After all, only the toughest of riders are going to be riding during the winter months. What good is an insurance policy from Safe Insure Plus LLC at this point? 

In reality, winterizing a policy is crucial. Once the motorcycle is placed in storage, there is no shortage of issues that can occur. First and foremost, the rider is going to have to worry about vandalism. 

If a bike is parked in storage and it is damaged, a Pryor, OK resident is not going to have any sort of legal recourse when they do not have insurance. Instead, they are going to be forced to shoulder the financial load for the damages. 

The concerns that need to be addressed do not stop there. Let’s say that the rider is planning on storing their motorcycle at home during the winter months. If they do not obtain an insurance policy, any damages that occur due to fires or other disasters of this nature are going to come out of pocket. 

Another common issue that occurs when riders do not obtain coverage is damage caused by rodents and other small pests. These pests may seem insignificant but the damages that they will cause to a bike are anything but. They can destroy a seat, the wiring and even create nests within the bike.

Snowfall may also cause the bike to experience unwanted difficulties. If a bike tips over due to snowfall and is damaged, the rider will need to make sure that they have obtained a policy that offers the necessary coverage. 

Looking to learn more about your winter readiness? Motorcyclists in the Pryor OK region are urged to visit the Safe Insure Plus LLC website as soon as possible. 

Protecting Yourself from Uninsured/Underinsured Motorists

Getting into an accident is a scary, frustrating and expensive life event.  Oklahoma is an ‘at fault’ state meaning that when there is an accident, the person who caused the wreck is responsible for repairs and medical bills of the injured person.  This straightforward situation becomes more complicated when the person who is at fault is uninsured or underinsured.  The team at Safe Insure Plus LLC helps drivers in the Pryor, OK area get the coverage they need to protect themselves from uninsured drivers.

If you are in an accident caused by an uninsured motorist, you can try to file a claim with your insurance company but some won’t cover it.  Another option is to sue the motorist who caused the accident.  However, if they do not have insurance or are uninsured, they most likely have few assets so being reimbursed for repairs or medical expenses isn’t likely.  Another option is to add on uninsured/underinsured motorist coverage before an accident ever happens.  This will slightly increase your rates but give you peace of mind when you are out on the road.  It will also give you the ability to take care of your medical bills and repair expenses if you are in an accident with an uninsured driver.

Deciding whether or not to include uninsured/underinsured motorist coverage is a decision each driver needs to make themselves.  Statistics show, though, that the average rate of uninsured drivers is one in seven.  The agents at Safe Insure Plus LLC work with drivers in the Pryor, OK area to help them understand what their insurance options are.    Go online for information to get started.  When you’re ready, come by for a visit to discuss your insurance needs.  Getting into a wreck with an uninsured motorist can create problems.  Get covered today!

How commercial insurance can protect a Pryor, OK business

Owning a business is a dream that many people have. When you do own your own business, it is important that you properly protect this dream and investment. One of the best ways to do this if you own a business in the Pryor, OK area is by getting a full commercial insurance policy as it can protect your business a number of different ways.

Protects Your Business Assets

For you to build and grow a business, you will undoubtedly need to invest a lot of money into your company. This can include buying assets that are necessary for your business to succeed. Some of these assets can include inventory, real estate, or capital equipment. If these assets were to be damaged or destroyed, it could be very damaging for your business. When you get a commercial insurance policy, these assets will be covered if they are damaged, stolen, or destroyed.

Gives You Valuable Liability Coverage

All business owners end up taking on a lot of liability whenever they are serving a customer. If you end up causing an injury or illness due to a product or service that you sell, it could be extremely damaging to your business. Fortunately, those that get a commercial insurance policy in the Pryor, OK area will have coverage if they are found to be at fault. This could be extremely valuable coverage that will save your business.

Ultimately, businesses that are in Pryor need to be properly covered by commercial insurance to ensure that they are protected. When you are looking for a commercial insurance policy in Pryor, you should speak with Safe Insure Plus LLC to discuss your insurance needs. The team at Safe Insure Plus LLC will be able to examine your business and figure out what policy is right for your organization.