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Insurance Questions? Ask Ross.

Wed, 20 Dec 2023 17:59:59 GMT

Quick Answers to Common Insurance Questions

HOMEOWNERS INSURANCE FAQ

How are homeowners insurance premiums determined?

There are a number of factors are that are considered in determining your home insurance rate, including:

Structure & Characteristics of Your Home: The year built, age of the roof, type of structure(s), and electrical wiring can all affect your homeowners insurance premium.
Location: Local weather, local crime rates, and proximity to a fire hydrant can all factor into the cost of your home insurance.
Safety & Security Technology: The presence of alarm systems, smoke detectors, fire extinguishers, and sprinkler systems keep your home safe and can lower your rate.
History of Claims: Your home insurance rates will likely be higher if you have previous home insurance claims.
Personal Factors: Your rates will be affected by factors such as your credit history and whether or not you’re a smoker.

What does homeowners insurance cover?

Most standard home insurance policies cover the following:

Dwelling: Dwelling coverage helps pay to repair your home’s structure and attached structures such as a carport or garage. It may also cover damaged fixtures such as electrical wiring, heating systems, and plumbing.
Other Structures: Following a covered loss, “other structures” coverage can help pay to repair detached constructions such as a fence, guesthouse, or tool shed.
Loss of Use: If you’re displaced from your home due to covered damages, loss-of-use coverage can help pay expenses such as hotel bills and restaurant meals.
Personal Property: Personal property coverage pays for your home’s contents, such as appliances, clothing, electronics, and furniture. It may also cover a child’s belongings when they go off to college for items stored off-site in a storage locker.
Medical Payments: If a visitor sustains an injury in your home, medical payments coverage can help pay the medical costs.
Personal Liability: This coverage can help pay legal bills if someone sues you for damages or injuries related to your home.

What’s excluded from homeowners insurance coverage?

Standard homowners insurance policies typically do not cover damage to your home, or its contents, caused by earthquakes or floods. These exclusions also extend to damages caused by landslides or mudslides, sewer or drain backups, or surface water.

How much homeowners insurance do I need?

Typically, you should carry enough dwelling coverage to rebuild your house. Rebuilding costs are generally lower than the home’s market value, which also includes the lot, something home insurance does not cover. Labor and material costs fluctuate over time, so it’s important to raise your policy’s coverage limits when these prices increase.

Insurers base other structures and personal property limits on a percentage of your dwelling coverage. If you own expensive outbuildings such as a barn or pool house, or have expensive personal property (jewelery, collectibles, etc.), you may need additional coverage.

What is the difference between Actual Cash Value and Replacement Cost Value

The property coverages of your policy may pay only Actual Cash Value to rebuild your home or replace its contents. With dwelling coverage, Actual Cash Value would pay the cost of repairing your home, minus its depreciated value due to age or use. When applied to personal belongings, Actual Cash Value policies pay the depreciated value of your property. For example, if a TV purchased for $1,000 two years ago were stole from your home, the insurance company would pay a depreciated amount based on the age of your TV. Some insurers offer replacement cost coverage for homes and their contents. When paying to rebuild a home, replacement cost coverage typically first pays actual cash value, then reimburses you for costs that exceed your policy’s dwelling limit. Personal property replacement cost coverage pays to replace a damaged or stolen item at its current market price.

What does homeowners liability insurance cover?

Property liability insurance generally covers injuries that occur on your property that are your responsibility. Property liability coverage may also cover damage to other people's property that is your responsibility.

How much homeowners liability insurance do I need?

You need sufficient personal liability coverage to protect all your assets. If, for example, you have $500,000 in assets, you need at least $500,000 in personal liability coverage. A standard homeowners policy may include personal liability coverage of around $100,000 per occurrence, but you may be able to increase the limit. If you need more liability coverage, consider buying an umbrella policy.

What is a homeowners liability umbrella policy?

An umbrella pays after you’ve exhausted the personal liability limit of your home insurance policy. Umbrella policies are generally relatively affordable, and often start at $1 million of coverage.

Does homeowners insurance have a deductible?

Most home insurance policies require you to pay a deductible, and deductible levels may vary by type of coverage. The lower your deductibles, the higher your premium, and vice versa. Deductibles usually range from $500 to $1,000, but some insurers enable you to choose lower or higher limits. Some policies include a separate hail and wind loss deductible. For instance, your dwelling coverage might feature a $1,000 deductible for most perils, but a $2,000 deductible for hail and wind damage.

Can my insurer cancel my coverage during the policy term?

In some circumstances, yes. Insurance companies can cancel your coverage before the end of the policy term under some cases, including:

Nonpayment of the premium
Abandonment of the property
Fraud or misrepresentation when applying for insurance or filing a claim
Physical changes to a home that render it uninsurable
Reckless or willful acts that increase the insurer’s risk
Criminal activity that can increase the carrier’s risk

Am I legally required to carry homeowners insurance?

Oklahoma law does not require homeowners to carry home insurance. However, if you have a mortgage, your lender will likely require you to buy and maintain a homeowners policy until you make the last payment.

AUTO INSURANCE FAQ

What does uninsured motorist insurance cover?

Uninsured motorist coverage in Oklahoma can pay for your medical expenses if you or your passengers are injured in an auto accident caused by a driver who does not have liability insurance, a hit-and-run driver, or a driver whose insurer denies coverage. Uninsured motorist insurance does NOT cover damage to your vehicle. To protect against vehicle damage or loss due to an uninsured motorist, you will need collision coverage.

What does liability insurance cover?

A vehicle liability insurance policy generally covers damage or injuries you cause while driving an insured vehicle.

What is comprehensive coverage?

Comprehensive coverage is an optional coverage that protects against damage to your vehicle caused by non-collision events that are outside of your control. These include theft, vandalism, fire, weather, or other acts of nature.

Does my policy cover theft of personal property inside the vehicle?

No, but your homeowner or renter insurance may pay for stolen vehicle contents.

Will my collision or comprehensive coverage pay off my car loan if the car is totaled?

Not necessarily. Your collision coverage will only pay the Actual Cash Value of your insured vehicle. You can buy a GAP policy to help pay off any additional money owed.

Will my collision or comprehensive policy cover towing my vehicle at no additional cost if it breaks down?

Possibly. Many policies include roadside assistance, including vehicle towing. There is a mileage limit and possibly a deductible.

Will my comprehensive policy pay to repair my windshield at no cost?

Not necessarily. Each company determines whether glass chipping is covered under their policy without deductible.

Can my car insurance rate increase during my policy term?

The only way your rate will change mid-policy term is if you make changes to your policy. For instance, if you add or remove drivers, adjust coverage, or change your address, your rate may change. However, your rate won't increase during your policy term due to an accident, a violation, or a filed claim.

Does my car insurance policy cover other drivers?

If you lend your car to someone and they cause an accident, your policy may cover some of the damages they're liable for. Whether the damages are covered depends on the accident, your coverage limits, the specific damages, and other factors.

Does my policy cover rental cars?

Your auto insurance policy can provide coverage while driving a rental car up to the extent of coverage you have for your own vehicle. If you have comprehensive coverage on your car, that protection will extend to most rental vehicles. Liability only-coverage will generally cover damages to the other driver’s vehicle, if you are involved in an accident.

Do I need a damage waiver for my rental car?

You should consider a collision damage waiver if you don't have collision coverage on your vehicle policy. If you already have collision coverage, a collision damage waiver may still make sense if:

Your policy excludes coverage for rental vehicles
You have a high collision deductible (many collision waivers don't have a deductible)
If you have collision coverage and none of these situations apply, it may not be worthwhile to pay extra for a loss damage waiver. Your credit card company might also offer rental car coverage if you use it to pay for the rental vehicle. This varies from company to company, and there are specific rules and restrictions to consider.
Most auto insurers extend their collision coverage to any rental cars you drive, as long as they're driven for personal use.

What do collision damage waivers cover?

Collision damage waivers only cover damage to the rental car. They don't cover liability-related expenses. Additionally, collision damage waivers may not cover damage resulting from risky behaviors, such as taking the rental car off-road or speeding. Some waivers may also exclude coverage for damage to specific parts of the rental car, including the windshield or tires.

How do I file a claim for a collision in a rental car?

After an accident, you should contact the rental car company and inform them of the accident. Rental car companies have different procedures on next steps, but it typically involves filling out a company-specific incident report. If you bought a collision damage waiver, then you typically won't have to pay for any of the damage unless the waiver includes a deductible.

If you plan to use your own car insurance, you'll need to file a collision claim with your insurer. They'll then work with the rental car company to ensure everything gets handled properly.

Understanding Insurance Terminology

Wed, 20 Dec 2023 15:19:12 GMT

A Guide to the Meanings of Common Insurance Terms

General Insurance Terms

Actual cash value: This type of coverage pays according to what an item was worth at the time it was damaged-it takes depreciation and wear and tear into account. For example, if you could have sold your couch for about $200 just before it was damaged, that's the actual cash value, even if a similar new couch would cost $1,000.
Actual replacement cost: This pays the amount it would cost to replace a damaged item with a new one (such as the $1,000 couch above). It does not factor in depreciation or wear and tear.
Adjuster: A person who works for an insurance company to evaluate losses and settle claims.
Additional insured: Someone who is not the policyholder, but is still covered by an insurance policy.
Declarations page: This is what creates a contract between you and the insurance company. It describes who owns the policy, what property is covered and for how much, etc.
Deductible: The amount you agree to pay out of pocket before your insurance coverage kicks in. For example, if the cost to fix your car is $2,000, but your deductible is $1,000, you would pay $1,000 of the total cost. Typically, a higher deductible means a lower premium.
Endorsement: This is a change to your insurance policy's coverage, usually made through a special form.
Exclusion: Something specifically listed in your policy that is not covered by the policy.
Liability: Your responsibility for injuries or damage to other people or property. You purchase insurance to protect against liability and other risks.
Loss of use: When damage from an accident or other cause prevents someone from being able to live in their home or drive their car.
Med Pay (medical payments): This pays for medical expenses for those covered by your policy in the event of an auto accident, regardless of fault. It also covers medical expenses for guests if they are injured on your property, but unless it is a car accident, it usually does not cover injuries someone suffers on their own property.
Premium: The amount you pay for an insurance policy.
Subrogation: When an insurance company pays a claim, and then seeks damages from a third party who was responsible for causing the damage or loss. For example, your insurance company might pay for your car to be fixed even though an accident wasn't your fault-and then pursue reimbursement from the person who was at fault.
Term: The period of time your insurance policy is in effect, usually six or 12 months.
Umbrella: A policy that provides additional liability coverage. It kicks in after your other insurance policies have reached their coverage limits.
Underwriting: The evaluation process insurance companies use to determine if they will provide coverage to a customer.

Auto Insurance Terms

Aftermarket Parts: Vehicle parts made by a different company than the one that manufactured those originally included with the vehicle.
Bodily Injury Coverage: Covers expenses for physical injuries, such as hospital bills or medical care.
Collision coverage: This pays for damage to a vehicle caused by you or someone else covered by your policy.
Comprehensive coverage: Comprehensive insurance coverage is defined as an optional coverage that protects against damage to your vehicle caused by non-collision events that are outside of your control. This includes theft, vandalism, glass and windshield damage, fire, accidents with animals, weather, or other acts of nature. Though often referred to as "comprehensive insurance," comprehensive coverage refers to a specific coverage on an existing policy, not a separate type of insurance. Note that lenders may require you to carry comprehensive when you finance or lease a vehicle.
PIP (personal injury protection): This pays medical expenses for a policyholder or additional insured, and their passengers, if they are hurt in an auto accident, regardless of fault.
Uninsured/underinsured motorist (UIM): Uninsured motorist coverage protects you if you're hit by a driver who has no auto insurance. Underinsured motorist coverage, which is usually offered alongside uninsured motorist coverage, protects you if you're hit by a driver who doesn't have enough coverage to pay for the damages or injuries they caused. Both coverages are mandatory in many states and highly recommended for all drivers. If you're a victim of a hit-and-run accident, you can file a claim against your uninsured motorist coverage.

Homeowners Insurance Terms

Additional living expenses: Coverage for expenses above your usual living expenses, such as if you have to stay in a hotel because you can't live in your damaged home.
Catastrophe: A disaster, such as a hurricane or tornado, that impacts a specific area and results in significant damage.
Flood insurance: Typically, standard homeowners policies do not provide coverage for flooding-it must be purchased separately.
Home contents: These are the things inside your house that aren't fixed to the structure, such as your furniture, appliances, etc.
Peril: A specifically defined risk, such as hail, flooding, wind, etc.
Scheduled personal property: Separate coverage for high-value items, such as expensive jewelry, that exceed the limits of your policy or are otherwise excluded.

Homeowners Insurance Rate Increase? How to Save Money on Homeowners Insurance in Tulsa

Tue, 19 Dec 2023 23:42:04 GMT

Understanding Homeowners Insurance in Tulsa

Looking for Ways to Save Money on Homeowners Insurance in the vibrant city of Tulsa? As a homeowner here, understanding insurance options is crucial for protecting your assets, especially when it comes to homeowners insurance. This article will delve into the various aspects of insurance in Tulsa, aiming to answer questions and offer insights for those looking to save money without compromising on coverage.

Why Have Homeowners Insurance Rates Been Increasing Recently?

Insurance companies increase rates when the amount of money they must pay out for claims goes up. A number of factors have converged recently resulting in a higher cost of claims for insurance companies. These factors include:

Natural Disasters and Climate Change: With an increase in the frequency and severity of natural disasters like hurricanes, floods, wildfires, and tornadoes, insurance companies are facing higher claims costs. These events, often exacerbated by climate change, lead to more significant losses for insurers, which they may compensate for by raising premiums.
Rising Construction Costs: The cost of building materials and labor has risen significantly. When homes are damaged or destroyed, they cost more to repair or rebuild, leading to higher claims payouts by insurance companies. To cover these increased costs, insurers may raise premiums.
Inflation: General inflation affects the insurance industry just like any other sector. As the cost of services and goods increases, so does the cost of repairs, replacements, and labor. Insurance companies adjust their rates to keep up with these rising costs.
Technological Advancements in Homes: Modern homes are equipped with more technology and higher-quality materials, which can be more expensive to repair or replace. Additionally, as homes incorporate more smart technology, there might be an increase in claims related to these technologies.
Regulatory Changes: State-specific insurance regulations and changes in federal laws can also impact insurance rates. Companies must comply with these regulations, which can involve additional costs.

It's important to note that these factors can vary greatly depending on geographic location, the individual insurance company, and the specific policy details.

Homeowners Insurance Companies in Tulsa

Tulsa homeowners have a plethora of options when it comes to insurance providers. Homeowners insurance is not just a contractual necessity; it's a safety net for your most significant investment. Companies in Tulsa offer diverse policies tailored to the unique risks faced by Oklahomans, like weather-related damages and theft. When searching for the best homeowners insurance, consider factors like customer service, claim process efficiency, and coverage options.

Cheap Car Insurance in Tulsa

Finding affordable car insurance in Tulsa doesn't mean you have to skimp on quality. Many insurers provide competitive rates that cater to various needs, whether it’s for a family sedan or a high-performance sports car. Look for companies that offer discounts for safe driving, multiple vehicles, or bundled policies with homeowners insurance.

Renters Insurance

Renters insurance is often overlooked, but it's an affordable way to protect your belongings. Tulsa residents renting homes or apartments should consider renters insurance to cover personal property against risks like fire, theft, and vandalism.

Car Insurance Companies in Tulsa

The choice of car insurance provider in Tulsa can significantly impact your coverage and satisfaction. Factors such as customer service, claim settlement ratio, and coverage flexibility are crucial. Whether you prefer national brands or local agencies, understanding their policy offerings, discounts, and customer feedback is vital.

Insurance Policy Essentials

An insurance policy is a legal contract between you and the insurer. Understanding the terms, coverage limits, deductibles, and exclusions is vital to avoid surprises during a claim. Whether for home or auto insurance, make sure your policy aligns with your needs and budget.

Best Car Insurance in Tulsa

Defining the "best" car insurance in Tulsa depends on individual requirements. Factors like coverage options, premium costs, customer service, and claim settlement efficiency play a significant role. Research and compare policies to find one that offers the best balance of cost and coverage.

Progressive Homeowner and Renter Insurance

Progressive is a well-known name in Tulsa's insurance landscape. They offer competitive pricing, various coverage options, and discounts that appeal to a broad customer base. Consider Progressive for their comprehensive policies and excellent customer service.

Home Insurance Companies

Home insurance companies in Tulsa provide a range of policies to protect your home against damage and liability. Look for insurers with a strong financial rating, positive customer reviews, and policies that offer coverage specific to Tulsa's environmental risks.

Cheap Home Insurance Quotes in Tulsa

For budget-conscious homeowners, finding cheap home insurance quotes is essential. However, it's important to balance affordability with adequate coverage. Use online tools to compare quotes and understand the factors that influence your premium, like the home's age, location, and construction materials.

Best Homeowners Insurance

The best homeowners insurance in Tulsa offers a combination of comprehensive coverage, affordable premiums, and excellent customer service. Look for companies that provide additional living expenses coverage, high liability limits, and a straightforward claims process.

Navigating the Tulsa Insurance Market for Savings and Quality

Continuing our journey through Tulsa's insurance landscape, let's explore more about how to get quality coverage at a reasonable price, focusing on homeowner’s insurance, car insurance, and the important aspects of getting the best quotes and coverage.

Progressive Insurance Quote in Tulsa

When considering Progressive for your insurance needs in Tulsa, their quote process stands out for its ease and clarity. Progressive offers tailored quotes for both auto and home insurance, ensuring that you get a policy that fits your specific needs and budget. Don't forget to inquire about bundle discounts if you're considering multiple policies.

Insurance Companies Near Me

Proximity can be a significant factor when choosing an insurance provider in Tulsa. Local agents offer personalized service and have a better understanding of Tulsa's specific insurance requirements. They can be invaluable in navigating claims and providing support during stressful times.

Homeowner Insurance in Tulsa

Specific to Tulsa, homeowner insurance policies need to address local challenges like tornadoes, hail, and flooding. Ensure that your policy covers these risks adequately. Also, consider additional coverages like flood insurance if your area is prone to flooding.

Progressive Homeowners Insurance in Tulsa

Progressive's homeowners insurance in Tulsa is known for its comprehensive coverage options and competitive pricing. They offer a range of deductibles and policy limits, allowing homeowners to customize their coverage according to their needs and budget.

Compare Homeowners Insurance in Tulsa

It's essential to compare different homeowners insurance policies in Tulsa to find the best fit. Look beyond just the premium costs; consider aspects like coverage limits, deductibles, and exclusions. Online comparison tools can be helpful, but a conversation with an insurance agent can provide deeper insights.

Progressive Home Insurance

Progressive's home insurance offers robust coverage options, including dwelling, personal property, liability, and additional living expenses coverage. They also provide unique add-ons like water backup coverage and personal injury protection.

Homeowners Quote in Tulsa

Getting a homeowners quote in Tulsa is more than just looking at the price. Understand what each quote covers. Pay attention to the limits on certain types of property, and ensure the policy covers the full replacement cost of your home.

Cheapest Home Insurance in Tulsa

While finding the cheapest home insurance in Tulsa is a priority for many, it's crucial to ensure that the policy doesn’t cut corners on essential coverages. Sometimes, a slightly higher premium can offer significantly better protection.

Average Homeowners Insurance Cost in Tulsa

The average cost of homeowners insurance in Tulsa varies depending on several factors, including the home's value, location, and the homeowner's claims history. Understanding these factors can help you negotiate better rates or find areas where you can reduce your premium.

Best Homeowners Insurance in Tulsa

The best homeowners insurance in Tulsa offers a balance of comprehensive coverage, affordability, and exceptional customer service. Look for insurers with a strong reputation in handling claims efficiently and fairly.

Maximizing Value in Homeowners and Auto Insurance in Tulsa

In the final segment of our guide, we delve deeper into finding value and quality in homeowners and auto insurance in Tulsa. This part aims to help you make informed decisions that provide the best protection for your assets while keeping costs manageable.

Cheap Home Insurance Near Me

For those seeking affordable home insurance options in Tulsa, it's wise to explore local insurers as well as national providers. Comparing quotes from multiple sources can reveal cost-effective policies. Remember, local agents may offer more personalized services and understand the specific needs of Tulsa residents.

Affordable Homeowners Insurance in Tulsa

Affordable homeowners insurance doesn’t have to mean limited coverage. Many insurers in Tulsa offer competitive pricing while still providing comprehensive protection. Look for discounts, such as those for installing security systems, or consider a higher deductible to lower your premiums.

Progressive Insurance Near Me

For Tulsa residents, having a Progressive office or agent nearby means easy access to in-person consultations and assistance. Progressive's local presence can be a significant advantage, particularly when dealing with claims or policy adjustments.

Progressive Insurance Company

Progressive Insurance Company has built a reputation for innovative policies and customer-centric services. In Tulsa, Progressive provides a range of insurance products that cater to diverse needs, making them a popular choice among homeowners and drivers.

Best Homeowners Insurance Tulsa

The best homeowners insurance in Tulsa is one that offers tailored coverage to meet your specific needs. This includes addressing local risks, offering flexible payment options, and providing excellent customer support. Don’t hesitate to ask for recommendations and read reviews to gauge customer satisfaction.

Cheapest Homeowners Insurance Tulsa

Finding the cheapest homeowners insurance in Tulsa requires thorough research. While cost is a significant factor, it's crucial to ensure that the policy offers adequate protection. Consider bundling home and auto insurance for potential discounts, and always review the terms and exclusions of the policy.

Progressive Homeowners Insurance Tulsa

In Tulsa, Progressive homeowners insurance is known for its adaptability and comprehensive coverage. They offer a variety of options that can be customized to fit your lifestyle and budget, with the added benefit of bundling discounts for multiple policies.

Progressive Quote

Getting a Progressive quote in Tulsa is straightforward. You can obtain a quote online, over the phone, or through a local agent. Remember, quotes can vary based on several factors, including your property's location, size, and your personal insurance history.

Compare Homeowners Insurance Tulsa

Comparing homeowners insurance policies in Tulsa is crucial to find the best fit. Look at factors like coverage options, deductibles, premiums, and customer service ratings. Online comparison tools can be a starting point, but consulting with an insurance agent can provide more personalized advice.

Progressive Home Insurance

Progressive home insurance in Tulsa offers a blend of standard coverage options and unique add-ons. Their policies are designed to cater to a wide range of needs, ensuring that homeowners can find a policy that matches their specific requirements and budget.

Homeowners Quote Tulsa

When obtaining a homeowners insurance quote in Tulsa, be as detailed as possible about your home’s features and any potential risks. Accurate information helps in getting a quote that accurately reflects the coverage you need.

Cheapest Home Insurance Tulsa

To find the cheapest home insurance in Tulsa, compare quotes from multiple insurers and consider all available discounts. It's also beneficial to review your policy annually to ensure it still meets your needs and to check if there are opportunities to lower your premium.

Average Homeowners Insurance Cost Tulsa

The average cost of homeowners insurance in Tulsa can vary widely based on the property's value, location, and the homeowner's personal history. Understanding these factors can help you in finding a policy that offers the best value for your specific situation.

Final Thoughts

Choosing the right homeowners and auto insurance in Tulsa is about balancing cost, coverage, and service. By researching, comparing quotes, and understanding your specific needs, you can find policies that provide peace of mind without breaking the bank. Remember, the cheapest option isn’t always the best, but with careful consideration and negotiation, you can find high-quality insurance that’s also affordable.

Navigating the World of Auto Insurance in Tulsa

Tue, 19 Dec 2023 02:47:41 GMT

Important Tips for Saving Money on Auto Insurance in Tulsa

Tulsa drivers! Are you on the lookout for ways to save on your car insurance without? You've come to the right place! In this guide, we'll dive into the secrets of securing low-cost car insurance, maximizing discounts, and making savvy choices in Tulsa, Broken Arrow, Bixby, Owasso, Jenks, Sand Springs, and Sapulpa.

Low-Cost Car Insurance in Tulsa: Finding the Best Deals

Tulsa, well-known for its vibrant community and bustling streets, also offers an array of options for affordable car insurance. But how do you find the best deal? The key is to start with a thorough Tulsa car insurance comparison. Local, independent insurance agents representing multiple insurance companies offering personalized quotes in Tulsa are a great place to begin. They allow you to compare rates from different providers quickly, helping you identify the most cost-effective options.

Understanding the Factors Influencing Auto Insurance Rates in Tulsa

Various factors, including driving history, type of vehicle, and credit score, can impact insurance rates. Being aware of these can help Tulsa drivers find the best possible rates.

Maximizing Tulsa Car Insurance Discounts

Discounts can significantly lower your car insurance premiums. Many Tulsa insurers offer a variety of discounts – from safe driver discounts to Tulsa multi-car insurance discounts. Are you a student or a military member? Make sure to ask about Tulsa student car insurance discounts or military discounts on car insurance in Tulsa. Every little saving adds up!

The Art of Bundling: Tulsa Auto Insurance Savings

One of the easiest ways to save on car insurance in Tulsa is through bundling. By combining different insurance policies, like home and auto, you can unlock bundle insurance discounts in Tulsa. It's not just about convenience; it's about smart savings.

Multiple-Car and Safe Driver Discounts in Tulsa

Owning multiple cars doesn't have to be a financial strain. Tulsa multi-car insurance discounts reward you for insuring more than one vehicle with the same company. Additionally, safe driver discounts are available for those with a clean driving record, promoting safe driving habits in the community.

Understanding Auto Insurance Deductibles in Tulsa

Your deductible — the amount you pay out of pocket in an insurance claim – significantly influences your premium. Opting for a higher deductible can lower your monthly payments, but it's important to balance this with what you can afford to pay in case of an accident.

No Down Payment Car Insurance in Tulsa

For Tulsa residents on a tight budget, some insurers offer car insurance with no down payment required. This option can ease the upfront financial burden, although it might mean slightly higher monthly payments.

Student Car Insurance Discounts in Tulsa

Young drivers and students in Tulsa can benefit from specific discounts. Insurers often offer reduced rates for good academic performance or for students attending school away from home.

The Benefits of Auto Insurance Bundling in Tulsa

Bundling different types of insurance — like home and auto — can lead to substantial savings. Tulsa auto insurance bundling not only saves money, but also simplifies managing your insurance policies.

Flexible Payment Plans for Tulsa Auto Insurance

Understanding that every driver's financial situation is different, many Tulsa insurers offer flexible auto insurance payment plans. These plans can help manage the cost of your insurance, making it more accessible.

Factors Influencing Auto Insurance Rates in Tulsa

Several factors can affect your car insurance rates in Tulsa, including your driving history, the type of car you drive, and even your credit score. Being aware of these factors can help you understand your premiums and find ways to reduce them.

Auto Insurance for Business and Commercial Vehicles in Tulsa

For business owners and operators of commercial vehicles in Tulsa, specialized commercial auto insurance is essential. It provides coverage tailored to the unique risks and liabilities of business use, including Tulsa fleet auto insurance for businesses with multiple vehicles.

Classic, Antique, and Sports Car Insurance in Tulsa

Owning a classic, antique, or sports car in Tulsa calls for specialized insurance. Tulsa classic and antique car insurance policies consider the unique value and usage of these vehicles, offering coverage that standard policies may not provide. Similarly, sports and luxury car insurance in Tulsa focuses on the high-value and specific repair needs of these vehicles.

Exploring No Down Payment and Payment Plan Options in Tulsa

To make car insurance more accessible, some Tulsa insurers offer no down payment options and flexible payment plans. These alternatives can help you manage the cost of insurance, especially if you're on a tight budget.

Student and Multi-Car Insurance Discounts in Tulsa

Students in Tulsa can enjoy special discounts, often linked to academic performance. For households with multiple vehicles, Tulsa multi-car insurance discounts can provide significant savings.

Embracing Safe Driving: Discounts and Rewards in Tulsa

To encourage safe driving habits, many Tulsa insurers offer discounts for drivers with a clean record. These incentives not only lower premiums but also promote road safety for all Tulsans.

Conclusion

Tulsa auto owners, armed with this comprehensive guide, you're now equipped to navigate the diverse world of auto insurance. Whether you're insuring a family sedan, a classic car, or a business vehicle, Harris Insurance Tulsa has options to suit every need and budget. Remember, the key to finding the right for you policy is to understanding your needs. Be sure to ask about discounts! Safe driving and happy saving, Tulsa!

This concludes our detailed guide on auto insurance in Tulsa. If you have any more specific questions or need further information, feel free to ask!

Ways to Get Your Car Stolen

Mon, 29 Mar 2021 18:28:05 GMT

Some people make life way too easy for car thieves.

Avoiding these all-too-common mistakes will save you hassle and money.

Most people would say their car is one of the most valuable assets they own. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At Harris Insurance, we don’t want you walking out your door to an empty driveway or leaving Tulsa Hills only to find some broken glass left behind in the space where you left your car. So take care to avoid these five mistakes.

Leave your car running and unattended. We know it can be chilly in the mornings, and who wants to wait in a cold car while it warms up? Well, a thief certainly won’t mind the chill — as he’s driving away in your car while you’re finishing that cup of coffee in your kitchen. If your car is running, you should be in it. Period. Even if you’re just running over to the ATM to get some cash or dropping off some mail.
Keep a spare set of keys inside the car. Law enforcement agencies say this is a great way to turn a car prowler into a car thief. They’re already breaking into your car to get a phone, or a laptop, etc. What do you think they’re going to do when they find a set of keys? They’re not going to drop them off on your porch with a nice note, that’s for sure.
Put valuables in plain sight. Seems simple, but we’ve all made this mistake. You’ll just be in the store for a second, after all, so who cares if you leave your smartphone on the front seat? Or items from your other errands in the back seat? Be smart — if you have to leave items in your car, put them in the trunk, or at least hide them as best you can. And do it before you get to your next destination.
Leave your car unsecured. The best thieves can work wonders with a window that’s left open even just a crack. And even the worst thieves can steal a car that’s been left unlocked, with no alarm set.
Assume nobody would want to steal your car. Think your car is too old or too undesirable for a thief to bother? Scrap metal is worth money, so never assume that your car is safe — even if you think it’s just a “junker.”

Keeping thieves away helps to keep everyone’s insurance costs down, so avoiding these mistakes not only will save you hassle, it will save you money as well. So stay safe, not only on the roads, but in the parking lots as well!

Contact Us! At Harris Insurance, we can work with you to make sure you’ve got the coverage you want, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at (918) 446-4421 or send us a note at Ross@HarrisInsuranceTulsa.com .

( Content provided by Safeco Insurance )

Was Your Home Damaged in a Recent Storm?

Fri, 19 Mar 2021 00:55:22 GMT

Has Your Home Suffered Storm Damage?

Did your home or roof sustain damage from a recent storm? If so, we highly recommend that you only use contractors that have Workers Compensation and General Liabilit y Insurance. If a worker is injured (by falling off your roof , for example), you will be glad you took the time to inquire about this!

Ask the contractor to have his or her insurance agency send a Certificate of Insurance directly to you. The Certificate of Insurance can reflect both types of insurance on the one certificate.

What Does Uninsured Motorist Coverage Pay For?

Sun, 02 Aug 2020 00:40:03 GMT

Uninsured Motorist Coverage Explained

I have been selling car insurance in the Metro Tulsa area for more than 30 years now, and every week I talk to people who contact me for a quote that misunders tand who Uninsured Motorists coverage does.

The most common mistake is that people think that it will cover their own vehicle if the person that hits them is at fault and does not have insurance, but that is incorrect! In Oklahoma , Uninsured Motorists coverage only pays for your bodily injury damages (medical bills, lost wages etc. up to the limits you purchase) NOT your vehicle.

If you want to be sure your vehicle will be repaired you need to have collision coverage on your auto insurance policy.

My Windshield is Cracked; Should I Use My Insurance?

Tue, 02 Jun 2020 01:14:39 GMT

Should I File a Claim for a Cracked Windshield? It Depends.

It happens so fast. A chip in your windshield that goes unnoticed or unattended … crack! An instant line forms across your windshield in wild fashion. And half the time it seems like it is right at eye level.

A friend of mine just called me the other day about this. He had a chip in the glass that wasn’t seen from the inside. One day, while driving down the highway he got a long crack in the glass. He called me to ask if he should claim it on his insurance. Here is my advice about that: As a general rule we don’t recommend making small claims on your policy, since they could affect your premium. However, if a chip has spread and can’t be treated to keep it from worsening to a crack, then the windshield needs to be replaced.

Comprehensive coverage (if your vehicle has that coverage) is what would cover a new windshield. The comprehensive coverage is subject to a deductible that is usually $500 or $1000. Most windshields cost less than your deductible, so we recommend that you call an auto glass company to get a quote before you report a claim to your insurance company.

If the cost of the new windshield is substantially more than your deductible, you may want to file a claim. Many insurance companies insurance have special glass claim units that will handle these claims, so do not have the windshield replaced until your claim has been approved by the adjuster.

Flood Insurance Q&A

Fri, 01 May 2020 17:57:44 GMT

Most Homeowners Policies Don't Cover Flood Damage

Flood insurance is available to the majority of homeowners in the Greater Tulsa area.

Because the standard Oklahoma homeowners insurance policy does not cover damage caused by flood waters, you should seriously consider purchasing a flood insurance policy. Since 25% of flood claims come from areas at a low risk for flooding you should still consider buying this coverage even if your home is not located in an area this is at a high risk of flooding.

Who can purchase flood insurance?

If your home is located in a community that participates in the National Flood Insurance Program (NFIP) by agreeing to adopt and enforce ordinances that are set forth by the Federal Emergency Management Agency (FEMA) to reduce the risk of flooding, you can purchase flood coverage. In most cases flood insurance is available to homeowners in Tulsa, Broken Arrow, Owasso, Jenks, Bixby and the Greater Tulsa metro area.

How much does federal flood insurance cost?

The rates can vary greatly based on the level of risk to flood waters and other factors. The rates are set and do not differ from company to company.

Is there a waiting period before coverage begins?

Yes. In most cases your coverage does not begin until 30 days after you apply for coverage and pay the premium.

Can I also purchase coverage for my personal property?

Yes. In addition to purchasing coverage for your home you can also purchase coverage for your personal property.

What is not covered by a flood insurance policy?

Some of the things that are not covered are: Damage caused by moisture, mildew or mold. Damage to trees, plants, septic systems, walks, swimming pools, hot tubs and fences.

Is there a deductible?

Yes. A flood policy has several available deductible options for both building and personal property for you to choose from. Please note that the deductibles will be applied separately to the building and the personal property. If both your building and personal property are damaged by a covered flood loss, a deductible will be applied to each.

If you have further questions or would like a quote to purchase a flood insurance policy, please contact our office at (918) 446-4421 .

What You Should Know About Distracted Driving

Sun, 02 Feb 2020 01:04:00 GMT

Avoiding Distractions While Driving Could Save Your Life

You’ve seen them on the roads. You might even know a few of them. You could even be one yourself.

Distracted drivers come in all shapes, sizes, ages and experience levels. Even if you’re not one today, you could become one at any moment — in the time it takes you to answer your cell phone or check the kids in the back seat when you’re driving through town.

If you or someone else you know thinks you can drive just fine while talking on your phone, think about this: More than 450,000 people were injured in crashes that reportedly involved distracted driving in 2009, according to the National Highway Traffic Safety Administration. More than 5,000 of those people died.

According to the U.S. Department of Transportation, there are three main kinds of distractions:

Visual – taking your eyes off the road
Manual –taking your hands off the wheel
Cognitive – taking your mind off what you’re doing

To help you avoid all three kinds of distractions the next time you’re behind the wheel of your car here are a few tips:

Put your phone in silent mode and store it away from the front seat or in a purse or bag. This helps reduce temptation.
Have a passenger answer your phone or return text messages for you. If a call or a text can’t wait, pull over in a safe spot before using your phone.
This one seems obvious, but finish shaving or applying makeup before you get in the car!
If you’re emotional, wait until you’ve calmed down before hitting the road.
Avoid road rage. You’ll be happier and safer.

Whenever you’re on the road, it’s not a time to multi-task. Focus on driving safely.

Thinking About Using Your Car as a Taxi?

Sat, 01 Jun 2019 00:51:27 GMT

The Risks of Using Your Car as a Taxi

Are you, like a lot of people, thinking about using your car as a taxi to earn extra money?

I have been selling insurance for over 30 years and every auto insurance policy I have ever read (which is not very exciting to do) has an exclusion in it that is worded something like this , “there is no coverage provided by this policy if your insured vehicle is being used to deliver persons or property for a fee” (so , yes , this exclusion would also apply to delivering pizza , for example).

Even if the company you might be thinking about driving for tells you that they have a policy that covers you while using your car to transport people , my guess is that if your own insurance company finds out that you are using your vehicle in that man ne r they might cancel your policy.

Please check with your agent before making the decision as to whether to use your car as a taxi. In my opinion , it is a VERY bad idea.

Put the Top Down and Hit the Road

Sun, 28 Apr 2019 13:14:59 GMT

Thinking of buying a new convertible? Here are some things to consider.

By Ross Harris

The call of the open road is at its strongest during the summer – and so is the call of the convertible. If you’re one of those drivers who has long dreamed of dropping the top and heading across Oklahoma and beyond, we here at Harris insurance have some buying tips for you. And before we forget, make sure you’ve got plenty of sunscreen! Having owned a few convertibles in my life, I have come to realize a few tips that may help you.

Safety Considerations Of course, you want to be safe when driving your new car, so here are a few things to look for in a convertible, according to Edmunds.com:

Roll Bars: generally, modern convertibles offer some sort of roll bar to protect passengers should the car rollover.
Airbags: side airbags that deploy from seats can be an optional feature on less-expensive convertibles and something you should consider.
Rearview Cameras and Sensors: When the top is up, it can be difficult to see out of the rear window. Cameras and sensors can provide added safety.

Hard or Soft Top? You have two main choices when it comes to convertible tops: soft, which can result in more road noise and may be more susceptible to damage, and hard, which often look better but add weight and take up more trunk space when down. A third option is a completely removable hardtop, such as those found on some Jeeps. T his choice is largely a matter of personal preference, though cost can be a factor. You’ll also want to test the top for leaks – - regardless of whether it’s a soft or hard top. Spray water where the roof connects with the windshield and where the glass meets the roof along the sides. You’re looking to make sure no moisture gets inside.

Everyday Issues If you’re planning to drive your convertible frequently (and why wouldn’t you?), there are some practical things you should take into consideration:

Wind Noise: When you have the top down at Oklahoma highway speeds, you might find it difficult to hear the stereo system. If you’ll be driving a lot with the top down, getting the upgraded stereo might be worth it. A better stereo can have more power, allowing you to actually hear your music.
Putting the Top Up or Down: Motorized tops, of course, make everything easier, but they are more complex. Be sure to test out the top and how long it takes you to put it up or down, especially if it’s a manual process. After all, if it starts raining suddenly, you want to be able to get the top up as quickly as possible.
Luggage Space: Most convertibles have small trunks but trunk space is even smaller when the top is down. If you plan to take your convertible on vacation (or pack golf clubs or other bulky items), it’s a good idea to really take a hard look at the trunk space before you buy.
Passenger Space: Do you need to take more than one passenger on many of your drives? If so, a roadster (two seats) isn’t an option. But even if the convertible you’re eying has four seats, hop on the in back and check the comfort level. If you aren’t comfortable, your passengers probably won’t be either.

Special Features According to Edmunds.com, there are certain features that truly make a difference in convertibles, such as wind deflectors, heated/cooled seats and sun-reflective upholstery. Certain features, such as heated seats, can make your convertible much more comfortable to drive on cooler days in Oklahoma.

Above all, you want to choose the convertible that best fits how you’ll use it. If you’re lugging golf clubs (and golf buddies) around in the summer, you probably don’t want a roadster. Conversely, if your idea of a great weekend is to toss a duffel bag in the passenger seat and hit the road, smaller maybe better. One of the great – and annoying – things about buying a car is the sheer number of options out there. But if you get frustrated, remember one thing: You’re buying a convertible; your friends are probably envious!

A Time to Celebrate Mothers

Tue, 09 Apr 2019 00:46:31 GMT

The Story of Mothers Day

As the second Sunday of May nears, it’s time to think of ways to celebrate mothers – although, of course, that’s a worthy pursuit at any time of year!

At Harris Insuranc e, we thought it would be fun to give you a little of the history behind Mother’s Day, as well as a few ideas to honor the special women in all our lives.

Ancient Beginnings
According to MothersDayCentral.com, the ancient Egyptians held an annual festival to honor “the mother of the pharaohs” – the goddess Isis. This is one of the earliest historical records of a society celebrating a mother.

How Mothers Day came to be in the U.S.
In 1870, Julia Ward Howe, a social activist and poet (and author of the lyrics for “The Battle Hymn of the Republic”) had became distraught by the toll of the Civil War. She issued a “Mothers Day Proclamation” that year, calling on mothers to protest the killing and create a day celebrating peace and motherhood.

Howe’s proclamation did not result in a national Mother s Day, but in 1908, Anna Jarvis of West Virginia took up the cause. She wanted to accomplish her mother’s dream of making a celebration of all mothers. By 1909, more than 40 states were holding Mothers Day services, even though it was not a national holiday.

In 1912, according to Wikipedia, West Virginia was the first state to officially observe Mother s Day. Jarvis continued to promote the day until President Woodrow Wilson made it an official national holiday in 1914.

She later regretted creating the holiday, believing that it had become too commercialized. Enough with the history – where are the gift ideas?!

Like us at Harris Insurance, we know you might have more urgent concerns on your mind, like last-minute shopping, so here are the most popular Mothers Day gifts, according to MothersDayCentral.com .

Flowers
Gift Baskets
Personalized gifts
Jewelry
Perfume
Spa Gifts
Magazines

Of course, perhaps the best gift of all is getting in touch and letting the moms in your life know just how much they mean to you. Happy Mother s Day!

Questions and Answers About Earthquake Insurance

Tue, 03 Oct 2017 01:25:53 GMT

What You Need to Know About Earthquake Insurance

Earthquakes have become a concern in Oklahoma over the past several years. Because of this, you may be wondering if you need to purchase earthquake insurance.

Should I purchase earthquake insurance?

Earthquake damage is not covered under the vast majority of homeowners or renters policies. Although earthquake coverage is an available option that you can purchase and add to most homeowners policies, not all insurance companies offer the earthquake option. You will need to ask your agent if that coverage is available. A few companies also offer earthquake coverage as a stand-alone policy, but the cost is usually much higher compared to adding the coverage to an existing policy.

How much does earthquake coverage cost?

The cost of adding earthquake coverage to your homeowners policy can vary based on several factors, but it usually costs between $100 and $300 per year. The premium can be higher for a brick or rock house than for a wood frame house.

Is there a deductible for a covered loss?

The typical deductible for earthquake coverage is quite substantial. The deductible is usually 5% or 10% of the limit of coverage that is shown on the policy. For example, if your dwelling coverage has a limit of $100,000 then your deductible would be $5000 with a 5% deductible or $10,000 with a 10% deductible. In addition to the large deductible previously mentioned, there are usually separate deductibles for detached structures and personal property (if your policy provides coverage for these items).

One final note

Some earthquake coverage does not cover the cost of repairs to brick or rock on the outside of your home. So, repairing damage to the brick or rock veneer on your home would be an out-of-pocket expense.