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Understanding auto insurance

Choosing the right auto insurance doesn't have to be overwhelming. At OKC Insurance Brokers, we represent multiple top-rated insurance companies that offer a wide variety of car insurance products at competitive rates. You may also qualify for valuable discounts that lower your premium.

When applying for auto insurance, you'll make several key choices. These include selecting liability limits, deductible amounts, and deciding on optional coverages. Our experienced agents help you understand these terms and determine the coverage that fits your needs.

Key auto insurance coverage options

1. Collision and comprehensive coverage

These policies cover damage to your own vehicle.

Both usually include a deductible: you pay this amount first before insurance covers the rest. A higher deductible lowers your premium but increases your out-of-pocket cost in an accident.

Tip: if you have an auto loan, lenders typically require both types of coverage.

2. Liability coverage

Liability coverage pays for injuries you cause to others and property damage from an accident you caused. This type of coverage is required by law in both Oklahoma and Texas.

3. Medical payments coverage

This optional coverage pays medical bills for you and your passengers after an accident, no matter who's at fault. If you already have health insurance, you might not need this.

4. Uninsured/underinsured motorist coverage

If you're injured by a driver without insurance, or without enough insurance, this policy helps cover medical costs and damages. It also applies in hit-and-run situations.

5. Optional coverages

Improve your auto policy with extras like towing, roadside assistance, and rental car reimbursement. These are not mandatory but can add peace of mind during unexpected events.

How much coverage do you need?

Our team will help you strike the right balance between cost and protection.

State minimum liability requirements

Oklahoma minimums: 25/50/25

  • $25,000 for injury per person
  • $50,000 for total injuries per accident
  • $25,000 for property damage

Texas minimums: 30/60/25

  • $30,000 for injury per person
  • $60,000 for total injuries per accident
  • $25,000 for property damage

Our recommendation: 100/300/100

State minimums rarely cover a serious accident. We usually recommend $100,000 per person, $300,000 per accident, and $100,000 property damage, and the better limits often cost less than you'd expect once we shop the market.

Need help choosing the right auto insurance?

Let OKC Insurance Brokers guide you. We provide personalized service and coverage options in Oklahoma and Texas. Whether you're comparing quotes or building a new policy, we'll make sure you get the protection you need at a price that makes sense.

Read our guide: 10 ways to lower teen car insurance costs in Oklahoma.

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