Best cheap car insurance quotes in Watonga
Oklahoma has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Watonga and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Watonga
In order to legally hit the road, Watonga drivers need to meet Oklahoma minimum coverage limits for bodily injury liability and property damage liability
In Oklahoma, drivers must carry
liability insurance that consists of at least:
This minimum required coverage is often referred to as 25/50/25.
With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Watonga, OK (Zip Code: 73772)
Do you need more than minimum coverage in Watonga?
Most drivers will benefit from having higher coverage limits than Oklahoma’s 25/50/25 required minimum.
The reason why: Moderate to severe accidents can come with costs that easily exceed these minimum liability limits. In an at-fault accident, you’d be responsible for covering those costs yourself.
This could be especially true if you cause serious injuries to another person. If someone’s car is totaled, the cost to replace it could be more than $40,000.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Watonga
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your car.
Full coverage includes comprehensive and collision coverage.
Comprehensive coverage pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters
If you have a loan on the car, your lender will typically require collision and comprehensive coverage.
On top of a full-coverage policy, you can purchase
uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
Jerry has helped customers obtain full coverage quotes that won’t break the bank.
Last Updated Sep 21, 2023
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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