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Safe Insure Plus, LLC

2105 S. Elliott
Pryor, OK 74361

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Oklahoma Auto insurance coverage

Why Did My Auto Insurance Go Up?

Residents in the Pryor, OK area understand the importance of good auto insurance. Periodic rate fluctuations, however, can be frustrating. What are some of the reasons you might see a sudden increase in your auto insurance premiums?

  • Inflation. As the value of currency changes, insurance companies need to adjust their rates to keep up. This could increase your rates by a few dollars.
  • Your location. Where you routinely choose to park your car impacts your rates. This is because some areas are more prone to vandalism, accidents, and thefts. If you’ve recently moved, you may see your premiums rise in response to your new location.
  • You’ve gotten older. As you age, your abilities change. Insurance companies may adjust your rates to account for the increased possibility of an accident due to the effects of aging, The experts at Safe Insure Plus, LLC can help you understand what kind of impact your age might have on your insurance rates.
  • You’ve been involved in multiple accidents in a short period of time. This one is pretty obvious. Your premiums are based on your probability of getting into an accident. If you frequently file claims, your insurance provider might need to raise your rates to protect their own interests.
  • You keep switching companies. Longevity matters, and the longer you stay with a company, the less likely they’ll raise their rates. Those who frequently switch companies or go long periods without coverage are considered to be higher risk, and therefore need to pay more for coverage.
  • You bought a fancy new car. Newer model cars filled with futuristic features are fun to drive. They are also expensive to replace. Your premiums are, in part, based on the cost to repair or replace your vehicle.
  • You have too many traffic violations. Getting several tickets for moving violations shows a pattern of reckless driving, which can drive your monthly premiums sky-high.

Are you confused by your auto insurance rates? Talk to the professionals at Safe Insure Plus, LLC. We serve the auto insurance needs of residents in the Pryor, OK area. Let us help you understand exactly what you’re paying for in your auto insurance coverage.

Why Is Commercial Insurance Necessary?

When starting a company, there are many things to decide. One of those things is insurance coverage. Having commercial insurance is crucial for a business because it can protect your business from common losses including damage, theft, liability, and employee injury. An agent at Safe Insure Plus, LLC can help you determine the right insurance policy for your industry.

Are there requirements?

You are required in Pryor, OK to have workers compensation insurance, even if you don’t have any other business insurance. If you don’t have this insurance, you could face a number of fines or penalties.

Even if you don’t want to believe it, you could be sued at any time because we live in a litigious society. One lawsuit could mean that your business could fold. All it would take is one accident, broken contract, or disgruntled employee to have a lawsuit. Even if you win, your business could still fold due to having to pay legal fees.

Natural disasters can also occur, and if your business has to close, what happens next? With the right insurance, you can be protected from the loss of income if your business has to shut down normal operation for a specific time frame.

Business insurance helps protect the valuable asset that is your employees. Protecting your employees’ interests also helps protect your company against any liability claims or lawsuits.

Contracts may require you that you have insurance. If you rent or lease the business facility, your landlord may require that you have insurance to cover your liability. If you are borrowing money to finance some equipment, the loan agreement may require you to have insurance to cover the equipment. Depending on the industry, client contracts may also specify that you have insurance.

It’s impossible to predict the future, and that’s why insurance is necessary, whether it’s a natural disaster, injury, or lawsuit, you want to be protected.

Contact Safe Insure Plus, LLC, serving Pryor, OK, to get a quote on commercial insurance.

 

 

Pros And Cons Of Equine Insurance

The agents of Safe Insure Plus, LLC in Pryor OK are your go-to resource for Equine Insurance. The pros and cons of equine Insurance depend upon some variables such as whether:

  • the horse is an investment, such as a racehorse
  • it is used for pleasure, as a pet
  • it is an intricate part of your business, such as farming 
  • it is used for commercial purposes, as a taxi service for special events which contributes to the ambiance of an urban environment
  • the horse is used for transportation for governmental services for the military or the police

The extent and type of insurance options will determine the cost of the insurance in the relationship to the financial value of the horse. The horse has its unique liability issues for it can weigh up to 1200 lbs which are second to the weight of a Volkswagen. A liability policy is essential for horses that are employed in any activity.

How we can help

The Safe Insure Plus, LLC agents will help its customer concerning which options should be included. The danger is to either underinsure or overinsure the horse. The owner has no perspective and must depend on the excellent advice and experience of the agent. 

For instance, the thoroughbred racehorse should be covered for mortality and any significant medical problems, including a surgical policy, in the same manner of life and health insurance for people. For example, a common problem in a horse that may require surgy is colic. The rate will depend on the horse’s current value, sex, age, discipline, and breed. A client may decide to commit to a racehorse on the price of the policy itself which is considered a significant con. The value of a thoroughbred will depend upon the:

  • Purchase price
  • Training
  • Competition records
  • Breeding record
  • Appraisals
  • Market comparison

The agents of Safe Insure Plus, LLC in Pryor, OK will guide you through the process of choosing the best Equine Insurance policy. Please call for more information.

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.