Business Insurance, Home Insurance, and Auto Insurance in Oklahoma City, OK

While there are aspects of your auto insurance that will cover a rental car, not everything will transfer over. A Collision Damage Waiver is easily put into place when renting a vehicle that will provide you with the coverage that you seek. It is also important to document the condition of the vehicle both at the start of your rental as well as at the end of your rental period to ensure that you will not be charged for damage that you didn't do.

While you have auto insurance and homeowners insurance in place, those policies do have limits to how much they will cover. A Personal Umbrella Policy will help to extend those coverages up to a million dollars or more to provide you with additional protection if you are sued. These umbrella policies are relatively inexpensive to add as well.

There are a host of things that you can look at that will help lower your premiums to save you money while not affecting the overall coverage that you have. Increasing the deductible you have is a fast way to help reduce costs, as does having multiple policies with the same insurance company when they offer discounts for having all of your insurance needs with them.

There are multiple discounts that you may also qualify for such as for good student grades, safety features in your vehicle, as well as paying your full premium at once instead of breaking it up into multiple payments.

Homes today are often insured for what is referred to as “replacement cost”. This means that your insurance policy would cover what it would cost today to rebuild your home. This also helps to cover some hidden costs, such as the debris removal cost if your home were to burn down, as this would be taken out of the money used to rebuild the home.