Some states have mandatory laws regarding auto insurance and this means that everybody who has a car is required to get auto insurance. Oklahoma is one of the states that require auto insurance. Because of this mandate, anyone who is found to be caught in an auto accident and have no proof of insurance will be requested to pay a fine. And if he is found to have no auto car insurance at all, the car owner could end up with license suspension or his license could be revoked. Even though Oklahoma?s insurance law follow the tort system or the fault system, which means the one who is at fault should be the one paying and making insurance claims for the damages, still, everybody in Oklahoma is entitled to pay a fine or have his license revoked if found to have no auto insurance whether he or she is at fault or not.
Oklahoma auto insurance rates vary from different insurance companies. This means that not all companies have the same rates for their coverage. This is the reason why many people shop first before getting auto insurance for the possibility to find the best rate. However, despite the fact that the rates vary, the insurance law of the state states that there are certain amount of auto insurance policy they have to buy. For a single person?s injury or death, you are required to get 20,000 dollars policy; for the injury or death of more than one person, you get 50,000 dollars for policy; and 25,000 dollars for property damage.
These rates are quite expensive if you would think about it, but just like other insurance laws, you can still reduce the rates. You can still do something to lower the rates of your premiums. With this, you need to accomplish some things and requirements.
First is to make your car safe. Yes, it may be hard to keep your car safe especially when accidents are the ones approaching you. But what the insurance companies need are proofs that you are doing everything you can to keep your car safe from damage and losses. One thing that can prove you are protecting your car is to install some devices like anti-theft devices, protection gears, and whatever safety measures it is that could make your car safe.
You will also be required to present a proof that you are an excellent driver. These proofs could be your driver?s license and some documents like a certificate that you have passed a driver?s course, that could make the auto insurance companies trust that you are indeed a good and responsible driver. Having no record of DUI will also help you reduce your Oklahoma auto insurance rates. This will give companies the peace of mind thinking that you are a low risk driver. So, if you live in Oklahoma, or want to live in the state, it is best for you to be aware of auto insurance laws because you?ll never know, getting auto insurance is even better and cheaper than paying the penalties of having no auto insurance proof.
Source: http://autocoverageinsurance.com/blog/auto-insurance/all-about-oklahoma-auto-insurance-rates/
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