A car insurance broker is independent: one application, multiple carriers, and no loyalty to any single company. That matters more in auto than most people expect, because auto carriers re-rate constantly and the company that was cheapest for you three years ago frequently is not cheapest today. Rather than calling five companies yourself, you give us the information once and we bring back the comparison. Call (405) 509-9433 or start a quote online.
Broker vs. captive agent vs. buying direct
A captive agent sells one company’s auto policy. Buying direct online gets you one company’s price, plus whatever that company’s algorithm thinks of you. A broker markets the same driver profile across carriers with different appetites, and auto appetites vary wildly: one carrier prices a teen driver punitively while another barely blinks, one surcharges a single at-fault claim for five years while another drops it after three. The spread between carriers on identical coverage is routinely hundreds of dollars per term, and you only see it if someone actually shops it.
We do not quote state minimum limits
Oklahoma’s minimum is 25/50/25, and we do not write it. A single hospital stay after a serious accident exceeds $25,000 easily, and when the limit runs out the injured party comes after the driver personally. We quote 100/300/100 and show you the state minimum beside it so you can see the actual price difference, which is usually far smaller than people assume. Deciding to carry real limits is the single most important choice on an auto policy, and it is not the place to save fifteen dollars a month.
Coverage worth asking about
Uninsured and underinsured motorist. Oklahoma has one of the highest uninsured driver rates in the country. UM/UIM is what pays when the person who hit you carries nothing, and it is cheap relative to what it does. Full glass coverage. Hail and highway debris make windshields a routine Oklahoma expense. Gap coverage if you financed recently and owe more than the car is worth. Rental reimbursement and roadside, which cost very little and are the coverages people actually use. See our car insurance page for how these get structured.
Bundling home and auto
Most carriers give a multi-policy discount on both policies, and in Oklahoma the home side is where the larger premium sits, so bundling usually moves more money than any auto-only discount. If you own, send us the home declarations page along with the auto information and we will quote it together. Our home insurance broker page covers that side, and the home insurance calculator gives you a ballpark before you call.
What happens when your renewal jumps
Auto renewals have been climbing across the board, and most people pay the increase without checking. We flag personal auto and home renewals that jump, re-shop them against our other carriers before the effective date, and send you the comparison. If your current carrier is still the best price, we tell you that and you renew. Nothing about being a broker client requires you to switch anything.
What we need from you
Names and dates of birth for every driver, driver license numbers, the year, make and VIN of each vehicle, your current coverage limits, and any accidents or violations in the last five years. That is enough to market it properly. Start here or call (405) 509-9433. We write across the Oklahoma City metro including Edmond, Yukon, Mustang and Piedmont.