Auto insurance FAQs

Not all auto insurance is created equal. Not all insurance carriers are equal. Making a good decision when it comes to choosing your carrier can help you avoid a headache if you ever need to use it. At Dobbs & Braddock Inc in Atlus, OK, we only represent the best carriers in the business, and we help our customers to make sure they know everything they need to know before making their choice. 

Is auto insurance required in Oklahoma? 

Simply stated, yes, you must have liability coverage. The required amount is 25/50/25. This is $25,000 for injuries sustained by one person in an accident with a maximum of $50,000 for more than 1 person. The other $25,000 is for damage to property. 

Can I have more than one car on my auto insurance?

Yes, you can. While most insurance companies won’t balk at several, they may ask questions about usage. If one is a seasonal vehicle, be sure to let them know. 

What does comprehensive auto insurance cover?

Comprehensive is an optional coverage that you can choose to carry on your vehicle. This insurance is not required unless you have an auto loan or are leasing a vehicle. Known as non-collision coverage, it covers other things that can damage your vehicle. It covers weather-related damage like floods or wind damage. Coverage extends to the glass on your vehicle and also vandalism. If your car is stolen, this is the coverage that replaces it. 

What does my deductible apply to?

You choose a deductible that you have to pay before your coverage begins, but that only applies to comprehensive and collision coverage. You do not have to pay the deductible on a liability claim.

Get Auto Insurance Today

Contact Dobbs & Braddock Inc in Atlus, OK to get the answers to any auto insurance questions you may have. 

Does auto insurance cover a rental car

If you are thinking about getting away for a weekend or a week like many Americans, you will probably be looking into renting a vehicle. This brings up a lot of questions about exactly what you need to do regarding auto insurance on a car rental. At Dobbs & Braddock Inc in Atlus, OK we are here to answer any questions about what coverage your particular auto policy offers. As independent agents, we work for our customers, and we put customer service first. 

Auto Insurance Facts

You will likely be renting your vehicle online. You need to pick your dates, your location, and the type of vehicle you need. The next thing they will be asking is about different kinds of insurance coverage. Do you want additional liability insurance, lost articles insurance, or CDW coverage? Confused? Most people are. 

Whether your auto insurance provides enough protection depends on what coverage you actually have. A basic auto insurance policy will only provide liability coverage if you have a basic auto insurance policy. You will need to have something else to cover the actual rental vehicle. If you have collision and comprehensive coverage on your personal vehicle, your coverage will most likely cover you in a rental vehicle. To be sure, call your insurance agent to double-check. 

If you are comfortable with the liability coverage you have on your auto policy, it will be adequate for a rental, and if you have a home, condo, or renters insurance, it will cover anything you bring with you against theft. 

So, basically, if you have a full coverage policy on your vehicle, it should be what you need when you rent a car. If not, check with your credit card first to see if it provides rental car coverage and if all else fails, the CDW protection the rental car company sells will take all the liability away from you. 

Contact Dobbs & Braddock Inc in Atlus, OK when you have questions about your auto insurance coverage. 


Tips to Switch Auto Insurance Providers

If you have been with the same automobile insurance provider for a while, you may be thinking about switching providers. There are a number of reasons why you may consider switching insurance providers, but there are some things you’ll need to keep in mind before switching automobile insurance providers. Dobbs & Braddock Inc has put together a few tips to make the process go smoothly for residents of Atlus, OK.

When to Consider Switching Providers

One of the main reasons you may be considering switching auto insurance providers is because you may get a better deal elsewhere. Some of the other reasons you may want to consider switching insurance providers may include moving to another state where your current insurance provider doesn’t operate, you are no longer qualify for certain discounts offered by your current provider, you’re not happy with the service or you want to bundle all of your insurance with one company. The good news is, you are under no obligation to stay with one provider, even if it’s going to be a while before your current policy expires. However, it is important that you understand how and when to cancel your current insurance.

Request Multiple Quotes

Before changing insurance providers, it is important to compare quotes from multiple auto insurance providers. This may seem like an overwhelming task, but it can help you have a better idea of the services and costs offered by different providers. Before switching, even if it’s to a lower-priced provider, make sure you read the fine print to ensure you are actually getting the best deal for the coverage you want, including all discounts you may qualify for.

Avoid a Lapse in Coverage

It is important that you avoid a lapse in coverage when switching insurance providers. There should be no gap in your coverage; in many situations, this is when unexpected accidents happen, so it’s not a good idea to drive without insurance. Once you have decided on a new auto insurance provider, contact your old provider to officially cancel your policy, do not simply let the policy expire.

Remember to contact your old provider to make sure they received your notification of canceling the policy. As long as you provide them with the proper notice, most insurance providers will allow you to cancel your policy without any problems. However, some providers may charge a cancellation fee, so make sure to ask about this when canceling.

Residents of Atlus, OK that are interested in learning more information about switching auto insurance providers or that want to learn more information about their current policy should contact Dobbs & Braddock Inc.