No matter where you are in the United States, you need to have either car insurance or, in limited states, proof of financial responsibility, in order to drive a car legally. For most people that means calling a local Claremore car insurance company and getting an auto policy. There are several you can choose from depending on your situation.
Everyone needs car insurance but paying for it isn’t that fun. The best thing to do is to compare several companies side-by-side to find the best deal. At least you’ll rest easy knowing you got the best coverage for the cheapest price.
Cheapest Full Coverage For Good Drivers In Claremore, Oklahoma resides in the Tulsa metropolitan area and has similar rates to Tulsa. Here are some examples of good rates for the average middle-aged drivers with clean driving records.
- Geico: $1,018 per year.
- American Farmers & Ranchers: $1,492 per year.
- Shelter: $1,691 per year.
- Allstate: $1,693 per year.
- Progressive: $1,760 per year.
Full coverage is a catch-all phrase and not a type of insurance. We use it when referring to a policy that includes the big three: liability, collision, and comprehensive coverages. Full coverage helps pay for damages to both the other party and yourself after an accident you cause. If you’ve purchased a car with a loan from a bank, you will be required to take out full coverage auto insurance.
Cheapest Minimum Coverage In Claremore
Not everyone has to get full coverage. If you own your car outright and feel like saving in premiums is worth the risk of leaving yourself without coverage you can get minimum liability insurance instead.
- Geico: $421 per year.
- American Farmers & Ranchers: $493 per year.
- State Farm: $629 per year.
- Oklahoma Farm Bureau: $742 per year.
- Progressive: $749 per year.
The minimum amounts your policy must include are:
- $25,000 bodily injury liability per person.
- $50,000 bodily injury liability per incident.
- $25,000 property damage liability per incident.
Keep in mind, these minimums might not get you off the hook completely after an accident. If the damages caused are higher than these amounts you can be sued for the rest.
Car Insurance Rates After One Crash In Claremore, OK
It can happen to the best of us. Sometimes accidents happen. Depending on what insurance company you go with and if they have accident forgiveness or not, your rates could increase by quite a bit. A crash will stay on your driving record for up to five years. Here are some of the best local rates for full coverage after a crash:
- Geico: $1,837 per year.
- Oklahoma Farm Bureau: $2,152 per year.
- State Farm: $2,265 per year.
- Allstate: $2,277 per year.
- Equity: $2,343 per year.
Call Dorsey Insurance Agency at (918) 341-2056 to help you find the best deal on auto insurance or visit our office in Claremore, Oklahoma. You’ll need to provide some personal information including your age, address, car information, and even your credit score. All of these things and more will help determine your insurance premiums.