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Safe Insure Plus, LLC

2105 S. Elliott
Pryor, OK 74361

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Oklahoma Auto insurance coverage

Is having boat insurance a requirement?

For those that are in the Pryor, OK area, nothing is better than spending a nice afternoon out on the open water in their very own boat. If you have a boat, it is vital that you ensure that you are adequately protected. One way to do this is with boat insurance. While it is not necessarily required by state law, there are still several situations in which having boat insurance will be a requirement for you.

Banks Rules

When you buy a boat, there is a chance that you will need to take out a loan to do so. As long as there is a balance outstanding on the boat loan, the lender will require that you maintain an insurance policy in place on the boat. This will help to provide you and the bank with protection if the boat is damaged or stolen.

Local Laws

While the state does not necessarily require that you have boat insurance in place, those that are looking to go out on the open waters will need to check with local regulatory bodies and marina rules. Depending on where you want to use your boat, you may be required to carry insurance. In some cases, a local marina or association will require that you at least have liability insurance in place. This will protect all people in the lake if you are involved in an accident.

Before starting to use your boat in the Pryor, OK area, you should speak with the team at Safe Insure Plus, LLC. When you talk with the professionals at Safe Insure Plus, LLC, you will learn more about your boat insurance needs and options. They will then help you get into a policy that provides the right level of coverage. Contact our offices for more information.

Interesting Facts About Classic Car Insurance

A classic car is not only a piece of history but also a beautiful, unique treasure. And it is important to preserve that legacy and properly care for a classic car. With that in mind, here are some key facts about classic car insurance, courtesy of  Safe Insure Plus LLC serving the Pryor, OK area.

Age of Classic Vehicle

There is no set age at which a car starts being considered a classic. In some instances, a vehicle has to be at least 15 or 25 years old, whereas in some cases it can be considered a classic if it is less than 15 years old, especially if it is in some way particularly rare.

Driving Limitations

For insurance purposes, a classic car cannot be driven more than a certain number of miles per year. It cannot be the vehicle owner’s primary and everyday vehicle. Otherwise that vehicle is not eligible for being insured under a classic car policy.

Storing a Classic Car

From an insurance standpoint, it is definitely not fine to keep a classic vehicle outside in the driveway or on the street in front of the owner’s house. The car must be sheltered and stored safely and away from harsh weather conditions. Ideally it should be stored in a building that is specifically for storing classic vehicles. An item of such value must be protected properly and adequately.

These are just a few of the many ways that classic car insurance is unique. As you can see, classic car insurance is quite a bit different from standard car insurance. Do you have more questions about classic car insurance? We are here to help, so feel free to contact Safe Insure Plus LLC serving the Pryor, OK area for more information.

Do You Need To Purchase RV Insurance For Rentals?

Setting out on the open road in an RV is a great adventure. Before you leave for your grand getaway on the open road, there are a few things to consider for your protection. One point of interest is insurance coverage for your RV rental. You don’t want to be unprotected in the event of an accident or theft. 

Rental RV Coverage

In most cases, the company renting the RV will provide some form of liability coverage. You may, however, consider purchasing additional coverage from your insurance provider to prevent losses to your personal items as well as to protect yourself from losses due to hospital bills and other potential pitfalls. Before you rent your RV, discuss the limits of coverage with the rental company and then approach a quality insurance provider about any additional coverage you may need. 

Finding RV Insurance

In order to get the right type and amount of RV insurance coverage, you need to work with an insightful and knowledgeable insurance provider. Residents renting or purchasing an RV who live around the Pryor, OK area should contact Safe Insure Plus, LLC about coverage options and policies that provide reliable insurance for your circumstances and needs. Get the right insurance to give you peace of mind while on the road.

The expert insurance agents at Safe Insure Plus, LLC look forward to working with residents in and around the Pryor, OK area and take pride in providing travelers with the insurance they need. Call or stop by our offices to get answers to your questions or to speak with one of their agents about an RV insurance quote. 

 

Why You Should Get Renters Insurance

Moving into a new apartment can be a very exciting time. While you will be filled with excitement when renting a new home in the Pryor, OK area, you should also consider responsibilities that come with renting an apartment. One important factor to consider when you are looking to rent an apartment is whether or not you should get renters insurance.

Liability Protection

One of the main reasons why you should get insurance when moving into a rental property is that you will receive the liability protection from injuries people may receive or damage to other’s property. All people that own or rent a home take on liability for guests that come to the property. When you have a liability insurance policy in place, you can be assured that you will be properly covered if you are found liable after an accident. You will receive coverage up to the full level of your policy limits.

Personal Property

When you move into a new rental unit, you may bring expensive furniture and other personal belongings that mean a lot to you. Because of this, you will want to make sure that your personal assets and investment are properly protected. One of the best ways to do this is through a renters insurance policy. This will provide you with protection up to certain levels of the policy that you select.

For those that are in the Pryor, OK area and are in need of renters insurance, speaking with Safe Insure Plus, LLC is a great option. When you meet with Safe Insure Plus, LLC, you will have your questions answered and receive the guidance that is needed to make the right decision when choosing a renters insurance policy. 

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.