What is basic auto insurance and why it may not be the right choice for you

Basic auto insurance is the minimum required by the state to operate your vehicle. If you have an old vehicle with little cash value, that may be fine. At S & S Insurance Services Inc., serving the greater Oklahoma City, OK region, we are independent insurance agents, and we take our responsibility to our customers seriously. We make sure they have as much auto insurance as they need to be protected. 

In the state of Oklahoma, the basic amount of auto insurance you must have is liability coverage in the amount of 25/50/25. That will protect other drivers from you, but it doesn’t do anything to help you protect your vehicle. If you are leasing your vehicle or have a car loan, you will need to have additional insurance to protect the car. 

Beyond The Basics

If you are like most people, you count on your vehicle every day to do your regular activities of daily life. Getting to work, going to the grocery store, running errands, etc. are vital, and being without a vehicle can be a serious problem and cause a lot of stress. Not everyone has the cash necessary to pay for repairs or to replace their vehicle out of pocket. 

Comprehensive coverage and collision coverage provide protection for accidents that happen to your vehicle when no one else is responsible for the damage. It can be weather-related, it can be an accident you caused, or a one-car accident. It also covers theft, vandalism, a cracked or damaged windshield, and a whole lot more. Furthermore, it provides the peace of mind that you need when it comes to your vehicle. 

Contact us today

To discuss your auto insurance needs, give S & S Insurance Services Inc. in Oklahoma City, OK a call or drop by our office.