We Care About What’s Important to you.
Experience One of Tulsa’s Highest Rated And Most Reviewed Insurance Companies Today
Request a Quote Today!
Now there’s more reasons to choose Leisure Insurance Group:
Lower Rates
We find the lowest rates around. We’re cool that way.
One-On-One Help
Call us 24/7/365. We are literally waiting for your call.
Simpler Processes
Get a decision faster than you can say… done.
“I switched from another insurer a few months ago, and Brett has been great! He’s easy to get a hold of, and any issues or questions I’ve had he’s gotten addressed quickly.”
– Eric R
Most people are aware of how much they pay for their auto insurance but are not clear about what it covers.
This is perhaps the most front of mind people get when it comes to insurance. We hear all the time from prospective customers, “I don’t know what it covers, I just know it comes out of my account.” You can pay for this monthly or annually. We will help you understand what you are paying for.
Auto insurance is a type of insurance policy that helps cover the costs of accidents or damage to a vehicle. The policyholder pays a premium to the insurance company, and in exchange, the company agrees to pay for certain types of losses or damages that may occur. The policy may include liability coverage, which covers the policyholder’s legal responsibility for damages or injuries to others caused by the policyholder’s vehicle, and collision coverage, which covers damages to the policyholder’s own vehicle in the event of an accident. Comprehensive coverage is also available which covers non-collision damages such as natural disasters, theft, fire, and vandalism. Many policies also include additional coverage options such as roadside assistance and rental car coverage. The cost of the policy is determined by a variety of factors, including the type of vehicle, the age and driving history of the policyholder, and the coverage limits chosen.
Auto insurance is important because it provides financial protection in the event of an accident or other covered event. It can cover the costs of damages or injuries to yourself or others, as well as provide liability protection in the event that you are found to be at fault for an accident. Additionally, many states require that drivers have a minimum level of auto insurance coverage in order to legally operate a vehicle.
Auto insurance coverage limits refer to the maximum amount of money that an insurance company will pay out for a specific type of coverage. These limits are set by the policyholder when they purchase their insurance policy.
How to understand your insurance declaration page:
B.I. stands for bodily injury. You are covered by your insurance carrier for any bodily injury damage you may cause when operating your vehicle. For example, if you have 25/50 next to B.I. in your policy, the “25” and “50” refer to the maximum amount of money, in thousands of dollars, that the insurance company will pay out for bodily injury claims.
A 25/50 bodily injury policy means that the insurance company will pay a maximum of $25,000 for injuries sustained by one person in an accident, and a maximum of $50,000 for all injuries sustained by multiple people in an accident. It’s important to note that these limits are per accident and not per person. So if there are multiple people in the car, the $50k applies to all of them combined.
P.D. stands for property damage. The “25” refers to the maximum amount of money, in thousands of dollars, that the insurance company will pay out for property damage claims.
A 25 property damage policy means that the insurance company will pay a maximum of $25,000 for any property damage that results from an accident. This can include damage to other vehicles, buildings, and other types of property.
It’s important to note that this limit is per accident, so if the damage exceeds $25k, the policyholder will have to cover the rest out of their own pocket or other insurance coverage.
We advise our clients to carry much higher limits of auto insurance, often in the 100/300/100 limits and higher. We do this to protect you and your money and so that you do not become financially burdened in the event of an accident that you have to use your insurance.
It is important to note that choosing higher limits will increase the cost of the insurance policy, while choosing lower limits will lower the cost of the policy. However, choosing lower limits may not provide enough coverage in the event of a large accident. We consider one’s needs and budget when choosing coverage limits.
Definitions to help you understand your policy.
Liability coverage limits are the most common type of limit, and they are set for both bodily injury and property damage. Bodily injury liability coverage limits set the maximum amount of money that the insurance company will pay out if the policyholder is found liable for injuries sustained by someone else in an accident. Property damage liability coverage limits set the maximum amount of money that the insurance company will pay out if the policyholder is found liable for damages to someone else’s property in an accident.
Collision coverage limits is the maximum amount of money that the insurance company will pay for damages to the policyholder’s own vehicle in the event of an accident, regardless of who is at fault.
Comprehensive coverage limits is the maximum amount of money that the insurance company will pay for non-collision damages such as natural disasters, theft, fire, and vandalism.
What can happen if I don’t adequate auto insurance
Financial loss: If you are involved in an accident and do not have adequate insurance, you may be held responsible for paying for any damage or injuries caused.
Legal consequences: In many states, it is illegal to drive without insurance. If you are caught driving without insurance, you may face fines, penalties, and even jail time.
Difficulty obtaining coverage: If you are involved in an accident and do not have insurance, it may be difficult to obtain coverage in the future, as many insurance companies may consider you a high-risk driver.
Difficulty paying for damages: If you are responsible for causing an accident and do not have insurance, you may have difficulty paying for any damage or injuries caused, which could lead to financial ruin. Difficulty paying for medical expenses: If you are injured in an accident and do not have insurance, you may have difficulty paying for medical expenses, which could lead to financial hardship.
In today’s complex insurance landscape, selecting the right coverage for your auto and home insurance needs is paramount. With numerous insurance options available, choosing the right provider can be overwhelming. However, when it comes to ensuring personalized service, access to multiple carriers, and tailored coverage options, choosing an independent insurance agency like Tulsa Auto And Home Insurance is the ideal choice.
Tulsa Auto And Home Insurance, as an independent agency, stands out for several compelling reasons. Let’s explore why choosing Tulsa Auto And Home Insurance for your insurance needs is the smartest decision you can make.
**Personalized Service and Attention**: At Tulsa Auto And Home Insurance, we pride ourselves on delivering personalized service and attention to each client. Unlike larger, corporate insurance agencies, we prioritize building relationships with our clients, taking the time to understand their unique needs and concerns. When you choose Tulsa Auto And Home Insurance, you can trust that you’ll receive individualized attention and expert guidance every step of the way.
**Access to Multiple Carriers**: As an independent insurance agency, Tulsa Auto And Home Insurance has access to a vast network of AM Best rated insurance carriers. This means we can offer you a wide range of coverage options and competitive pricing tailored to your specific needs and budget. Whether you’re looking for auto insurance, home insurance, commercial insurance or both, our extensive network of carriers allows us to find the perfect coverage solution for you.
**Unbiased Advice and Recommendations**: Unlike captive agents who work for a single insurance company, Tulsa Auto And Home Insurance operates independently, providing unbiased advice and recommendations. Our agents are not incentivized to promote one insurance carrier over another, ensuring that our recommendations are solely based on what’s best for you, our valued client. With Tulsa Auto And Home Insurance, you can trust that you’re receiving honest, impartial advice that puts your interests first.
**Customized Coverage Options**: One size does not fit all when it comes to insurance coverage. At Tulsa Auto And Home Insurance, we understand that every client has unique insurance needs and preferences. That’s why we offer customized coverage options tailored to your specific requirements. Whether you need basic liability coverage or comprehensive coverage with added perks and benefits, Tulsa Auto And Home Insurance can design a policy that meets your needs perfectly.
**Local Expertise and Knowledge**: As a local independent insurance agency serving the Tulsa community, Tulsa Auto And Home Insurance has in-depth knowledge of the local market and insurance landscape. Our agents are familiar with the unique insurance challenges and opportunities in the area, allowing us to provide you with informed advice and solutions. When you choose Tulsa Auto And Home Insurance, you’re choosing a partner who understands your community and is committed to helping you protect what matters most.
**Exceptional Customer Service and Support**: At Tulsa Auto And Home Insurance, we prioritize delivering exceptional customer service and support to our clients. From helping you select the right coverage to assisting you with claims and policy inquiries, our dedicated team is here for you every step of the way. When you have questions or concerns about your insurance coverage, you can count on Tulsa Auto And Home Insurance to provide prompt, reliable assistance and support.
**Flexibility and Choice**: Tulsa Auto And Home Insurance offers flexibility and choice when it comes to your insurance coverage. As an independent agency, we have the freedom to explore a wide range of insurance options and tailor a policy that perfectly suits your needs and budget. Whether you prefer a comprehensive policy with all the bells and whistles or a more basic plan that provides essential coverage, Tulsa Auto And Home Insurance can accommodate your preferences with ease.
**Long-Term Relationship Building**: At Tulsa Auto And Home Insurance, we believe in building long-term relationships with our clients. Our goal is not just to sell you an insurance policy but to become your trusted insurance advisor for life. We strive to earn your trust and loyalty by consistently providing exceptional service, reliable advice, and support throughout our relationship. When you choose Tulsa Auto And Home Insurance, you’re not just a client – you’re part of our insurance family.
**Community Involvement and Support**: Tulsa Auto And Home Insurance is deeply committed to giving back to the community we serve. We actively participate in local events, sponsorships, and charitable initiatives to support causes that are important to our clients and neighbors. By choosing Tulsa Auto And Home Insurance, you’re supporting a local business that is invested in the well-being and prosperity of the Tulsa community.
**Convenience and Accessibility**: Tulsa Auto And Home Insurance prioritizes convenience and accessibility for our clients. We offer multiple channels for communication and service, including phone, email, and in-person consultations at our conveniently located office. Our responsive team is always available to answer your questions, address your concerns, and assist you with any insurance-related needs you may have. With Tulsa Auto And Home Insurance, you can enjoy the peace of mind that comes from knowing you have easy access to trusted insurance experts whenever you need them.
**Working With Other Small and Local Businesses**: At Tulsa Auto And Home Insurance, our referral network extends to a diverse range of trusted professionals, including contractors, plumbers, roofers, HVAC companies, electricians, realtors, and mortgage lenders. Our extensive network consists of carefully vetted experts who share our commitment to excellence and customer satisfaction. Whether you need home repairs, renovations, or assistance with buying or selling a property, we can connect you with reliable professionals who deliver exceptional service and quality craftsmanship. With Tulsa Auto And Home Insurance, you can trust that you’ll have access to a network of reputable partners who are dedicated to meeting your needs efficiently and effectively, should they arise.
Choosing an independent insurance agency like Tulsa Auto And Home Insurance for your insurance needs offers numerous advantages, including personalized service, access to multiple carriers, unbiased advice, customized coverage options, local expertise, and exceptional customer service and support. With Tulsa Auto And Home Insurance, you can trust that you’re getting the best possible coverage at the most competitive rates, backed by a team of knowledgeable and dedicated professionals who are committed to your satisfaction and peace of mind.