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Safe Insure Plus, LLC

2105 S. Elliott
Pryor, OK 74361

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Oklahoma Auto insurance coverage

Auto Insurance Options in Oklahoma

Auto insurance is a very important insurance policy to have in place and in Oklahoma, it is required. As a fault state, if you are the cause of an accident in Oklahoma, you must assume financial responsibility in a motor vehicle accident. This means you must have at least an auto liability insurance policy in place to cover any property damage or injuries sustained by others in the event of a crash. The agents at Safe Insure Plus LLC in Pryor, OK know and understand the importance of having property insurance in place for you and your vehicle in Oklahoma.

Uninsured and Underinsured Auto Insurance Coverage

You should also have an uninsured or underinsured policy in case you are ever involved in an accident that is caused by someone that is driving with no insurance policy in place at all or does not have enough insurance coverage to pay for all of the damages and medical treatment involved.

Comprehensive Insurance

If you have an active loan for the vehicle you purchased, you may be required by your lender to have even more insurance in place which will include comprehensive insurance. This type of auto insurance will replace your vehicle if it is stolen and will help you repair or replace your car, SUV, or truck if it is damaged or destroyed by a natural disaster, fire, vandalism, or some other catastrophe.

Collision Insurance

If you collide with another vehicle while driving your vehicle or if you accidentally back into a garage door or some other object, collision auto insurance coverage will help you pay for any damages that were caused in the collision.

Get Your Auto Insurance Policy Started

To obtain an auto insurance quote or to get your policy started, contact the trusted and experienced insurance agents at Safe Insure Plus LLC in Pryor, OK today!

4 Benefits of Having Comprehensive and Collision Policies

Automobile accidents can happen at any time. There are other major events that can occur and cause damage to your vehicle or lead you to be at fault for damages or injury to another party. This is a good reason to have comprehensive and collision policies added to your auto insurance. An expert agent at Safe Insure Plus LLC of the Pryor, OK area can help you decide if you should get these and what benefit they can provide.

Comprehensive Insurance Benefits

When you have a comprehensive policy, it covers incidents that occur that are outside of your control. This includes earthquakes, hailstorms, hurricanes, tornados, theft, vandalism, falling objects, and if you hit an animal while you’re driving. It also covers if your automobile’s windows are broken or shattered through no fault of your own.

Collision Coverage Benefits

When you have collision coverage, you can rest assured that you’ll receive coverage for damages to your vehicle after an accident, regardless of who was at fault. This includes if you hit a parked car or someone hits your parked car if there’s a hit-and-run accident and if you drive into a ditch, among other things. You would have to file a claim and be reimbursed, which you can do in most cases even if the other party isn’t insured.

Having these types of policies already at the time of the incident saves you a great deal of headaches and stress. It may be tricky to file a claim, but your insurance agent can help you with this matter so that it’s much easier.

Contact us today at Safe Insure Plus LLC of Pryor, OK and beyond so you can talk over your auto insurance options and get set up with exactly what you need.

Understanding the Fundamental Elements of an Automobile Declaration Page

Insurance policies run for a predetermined set term. The majority of car insurance policies renew every six months, with the exact term depending on the car owner’s coverage. At renewal, automobile owners in and around the Pryor, OK area receive a renewal insurance declaration page detailing the coverage specifics for the upcoming insurance term.

Most consumers are interested in the amount due – the insurance premium. However, the declaration page contains important insurance information regarding one’s coverage and should not be disregarded.

Who’s Driving the Car?

The automobile declarations page identifies which drivers are covered by your selected policy. Have you reviewed the contents of your insurance policy lately? For example, has a teenage child moved from your home in Pryor OK, and you’re needlessly covering them as a driver under your policy?

Are You Over or Underinsured? What’s covered?

The automobile declarations page also delineates the exact coverage (and applicable limits) on the vehicle(s) listed on the insurance policy.

  • Are you overpaying for coverage you do not need? For example, do you have a car from the mid-2000s where it makes little sense to carry collision coverage?
  • Are you underinsured? Have your assets increased significantly from the time you initially set your liability limits? Do you have more to lose now?

Vehicles That are Covered

Most consumers remember to update their insurance policies when they change vehicles. However, it is worth a glance to confirm that the cars you want to be insured are listed on the declaration page.

At Safe Insure Plus LLC, our insurance professionals are available to review your automobile insurance policy by phone or by email. Additionally, auto insurance quotes are available using Safe Insure Plus LLC’s online quote contact form.

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.  

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!

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.

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.

 

3 Risky Driving Behaviors to Beware of

No matter how great of a driver you believe you are, distracted driving can be a highly dangerous, and even fatal, to you and others on the road. However, in an age in which crazy roadway stories are common, it can be difficult to tell which behaviors are risky and which are acceptable. That said, the following is an overview of 3 of the top risky driving behaviors to beware of in our opinion. 

Eating

While many may think it’s perfectly acceptable to chow down on a big greasy burger while behind the wheel, this couldn’t be further from the truth. This is because eating requires at least part of your attention. In other words, no matter how good of a driver you may be, looking down for seconds at a time while behind the wheel is a huge no-no. Moreover, greasy hands and spills can also cause quite a few issues while on the road. 

Disciplining Kids

Moreover, driving with people of any age can distract you, but this issue becomes more pronounced when dealing with one’s children. While you may be tempted to turn around and explain what they’re doing wrong in detail, you simply cannot do this while you’re on the road. In other words, if it’s that serious, pull over and regroup before jumping back on the road. 

Cell Phones

Lastly, given that many have taken to using cell phones for things such as directions, it can be hard to stop from using your phone while behind the wheel. However, as one of the top distracted driving behaviors, cell phone use while behind the wheel should be limited to emergency situations only. In some states, they are taking action against this and making it illegal to drive while on your cell phone. Currently, texting and driving in Oklahoma can come with a fine if caught.

For your own peace of mind, stay away from these behaviors. For those who live in Pryor, OK, let Safe Insure Plus, LLC be your go-to insurance agency. Proudly serving resident of Pryor, OK and beyond, contact Safe Insure Plus, LLC today to find out how you can start your policy! Reach out to our agents and allow them to address any questions or concerns you may have with your auto policy.