Car Insurance in Mustang, OK

Even the most careful drivers are sometimes in accidents. That is why vehicle owners in Mustang are required to have car insurance. Whether you are involved in a serious crash on State Highway 152 or a fender-bender on Mustang Road, a good auto insurance policy can shield you from financial losses.

Local independent agents are free to work with some of the area's top-rated insurance companies as they shop around to find you great coverage at a reasonable price. Contact an independent insurance agent near you to start comparing customized car insurance quotes from a few competing insurers.

How Much Does Car Insurance Cost in Mustang, OK?

The average cost of car insurance in Oklahoma is higher than the national average. Shopping around for the best rate has the potential to save you hundreds of dollars a year.

• National average annual car insurance cost: $1,311
• Oklahoma's average annual car insurance cost: $1,496

Car insurance companies calculate rates according to several factors such as:

• The number of vehicles you are insuring
• Each vehicle's year, make, model, and condition
• Your age, occupation, and driving record
• Your insurance claims history and credit score
• Information about any other licensed drivers in your household
• The amount and types of coverage you are including in your policy
• The size of your deductible

Every insurance company calculates rates differently, so every provider you contact will likely quote you a different price. Comparison shopping lets you choose the policy that offers all the coverage you want at the most competitive price. Independent insurance agents make comparison shopping easy.

You may be able to score even lower rates if you qualify for car insurance discounts. Some discounts you may encounter when shopping for rates include:

• Military discounts
• Safe driver discounts
• Good student discounts
• Multi-car discounts
• Discounts for bundling your car insurance with other policies like homeowners insurance or renters insurance
• Policy renewal discounts
• Discounts for having a vehicle equipped with certain safety or anti-theft features

When you work with an independent agent, your agent will ensure that you receive any offered discounts for which you qualify.

Is Car Insurance Required in Mustang, OK?

As a vehicle owner in Mustang, you need to carry a policy that meets or exceeds the minimum coverage requirements set by the state of Oklahoma. This means your policy must include:

• Auto liability coverage: This covers other people's injuries and property damage if you are at fault for a collision. Your policy must provide, at a minimum:
  • Bodily-injury liability coverage per person: $25,000
  • Bodily-injury liability coverage per accident: $50,000
  • Property damage liability coverage per accident: $25,000

Many vehicle owners in Mustang also need to include physical damage coverage in their car insurance policies. Though not required by law, physical damage insurance is usually required by lenders or dealerships if you are financing your leasing your car. Physical damage coverage includes:

• Collision insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

If you own your vehicle outright, collision and comprehensive coverage are optional.

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What Else Does Car Insurance Cover in Mustang, OK?

In addition to the coverage mentioned above, your insurance company is likely to offer some coverage options such as:

• Uninsured motorist insurance: This is designed to cover the treatment of injuries sustained by you and your passengers if you are hurt in a collision caused by an uninsured driver.
• Medical payments insurance: This is designed to help cover the cost of medical treatments if you or your passengers are injured in a collision, regardless of fault. It typically covers expenses that your health insurance does not, like copays, deductibles, and miscellaneous services.
• Towing and roadside assistance insurance: This is designed to pay for assistance and towing services if your vehicle breaks down and you need to call for help, such as if you get a flat tire, your engine overheats, or you run out of gas.
• Glass replacement insurance: This is designed to cover the cost of replacing the safety glass in your vehicle's windshield, windows, or sunroof if it is cracked or damaged.
• Gap insurance: This is designed to pay off your car loan if your vehicle is totaled in a covered event, but you still owe more for it than it is worth.
• Rental reimbursement insurance: This is designed to cover the cost of renting a car while your own vehicle is being repaired for damage sustained in a covered event.
• Umbrella insurance: This is a separate, secondary-insurance policy that may be offered by your car insurance provider. It provides an affordable way to significantly boost all of your personal liability coverage well beyond the limits of your primary policies.

Take the time to review the details and prices of the coverage options available to you to determine which are a good fit for you and your family.

What Is the Penalty for Driving without Car Insurance in Mustang, OK?

It is illegal to drive an uninsured vehicle in Oklahoma. If caught, uninsured drivers can face:

• Fines up to $250
• Incarceration for up to 30 days
• Vehicle impoundment
• Vehicle registration and driver's license suspension until insurance is obtained
• Various fees, including:
  • $125 administrative fee
  • $175 modified driver's license fee
  • $275 vehicle registration reinstatement fee
• Higher car issuance rates

Additionally, if an uninsured driver is at fault for an accident, they will be responsible for paying for any property damage and injuries they may have caused in the collision.

Despite this, more than one in ten motorists in this state are driving without insurance:

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Oklahoma drivers who are uninsured: 10.5%

If your car insurance policy includes uninsured motorist insurance, you can rest assured that if you or your passengers are injured in a collision caused by an uninsured driver, you will have the coverage you need to handle medical costs without going through lengthy legal channels to collect it.

How High Is the Auto Theft Rate in Mustang, OK?

The auto theft rate in Oklahoma is higher than the national average, but in Mustang, the rate is much lower. That is not to say the risk does not exist. Residents of this city report around 20 auto thefts a year.

• National auto theft rate per 1,000 people: 2.29
• Oklahoma auto theft rate per 1,000 people: 3.37
• Mustang auto theft rate per 1,000 people: 0.88

Though the risk is low in Mustang, you should know that you can only be reimbursed for a stolen car if your auto insurance policy includes comprehensive coverage.

This optional "other-than-collision" insurance covers a wide range of non-collision loss and damage, such as an uprooted tree falling on your vehicle or a tornado destroying it.

If you are leasing or financing your vehicle, chances are good you have comprehensive coverage already. If not, you may want to look into how much it would cost to add it to your car insurance policy so you can best decide whether it is a good value for you.

What Are the Best Car Insurance Companies in Mustang, Oklahoma?

Attributes that make insurance companies stand out above the rest include responsive customer service, consistent reliability, timely claims processing, and competitive rates.

Independent insurance agents have teamed up with some of the best car insurance companies in Oklahoma. This lets you be sure that any policies your agent may recommend to you are offered by insurance companies you can count on if you ever need to file a claim.

How Can an Independent Agent in Mustang, OK Help Me Find the Best Car Insurance Policy?

Independent agents make it easy to find the best car insurance policy. These agents are available to answer your coverage-related questions and can help you obtain and compare rates from some of the area's most highly rated insurance providers.

Best of all, working with one of these experienced insurance professionals won't cost you a thing. Arrange an obligation-free consultation with an independent insurance agent near you to start comparing customized car insurance quotes.