Oklahoma Car insurance Requirements
Oklahoma insuranceThe basic requirement for an Oklahoma car insurance is the liability coverage for bodily injuries and property damages. There is also a minimum coverage amount imposed by the state of Oklahoma. For bodily injuries, the minimum coverage amount is $25,000 for every injured person or a total of $50,000 for the whole accident. For property damages, the minimum coverage amount is $25,000. In Oklahoma, the basic insurance requirement is also known as the 25/50/25 coverage.
Oklahoma follows the tort system with regards to settling claims arising from a vehicular accident or collision. Under the tort system, there is always someone at fault for causing the accident. That responsible including his or her car insurance provider, will need to pay for the bodily injuries and property damages caused by the accident.
Some Tips on How to Save Car Insurance Costs in Oklahoma
If you want to get the lowest or most reasonable car insurance rate, you will have to look and ask for car insurance rates from a lot of car insurance companies. Not all car insurance providers offer the same rates for the same coverage. It would not take you long to find the cheapest quote if you know where to find it. So far, the internet offers the most convenient and fastest way of getting the car insurance quotes. A few minutes of searching online can get you the car insurance quote that you want for your vehicle.
Driving safely and defensively can keep you from getting involved in a vehicular accident as well as keep your car premiums down. Frequent involvement in vehicular accidents even if they are only minor ones, will have a negative effect on your car insurance rates and will increase your premium costs. A series of serious accidents can lead to suspension of your driver’s license or the refusal of car insurance companies to provide you with coverage.
If you want to learn how to drive safely or defensively, you should consider going to a driving school which teach such particular classes. As mentioned earlier, defensive drivers are less involved in vehicular accidents because they can assess the situation and react accordingly. Many car insurance companies offer discount to drivers who successfully passed a defensive driving course.
If you are planning to buy a car, consider getting one with lots of safety and security features. If possible, make sure that your car is equipped with safety features like air bags, seat belts, global positioning system or GPS, anti lock brakes, traction control and other similar devices in order to convince the auto insurance providers that your car is safe enough to be granted a lower premium rate.
Maintaining a good credit standing could help you secure a lower premium rate. Many car insurance providers think that a car owner who has a good credit score is also a safe and reasonable driver. This is the reason why car owners with good credit standing are usually given discounts in their car insurance policy.
The DUI Laws in the State of Oklahoma
The Implied Consent Rule
In Oklahoma, the mere fact that you are physically driving on the state’s road is an implied consent on your part that you are willing to subject yourself to a blood alcohol concentration (BAC) test if the police suspects that you are driving while intoxicated. Refusal to undergo such chemical test will result in the seizure and suspension of your driver’s license from a period of 180 days up to 3 years even if you are not driving and drinking at that time.
Blood Alcohol Concentration (BAC) Limit for Drunk Drivers
Any driver caught with a BAC level of .08 percent or greater can be arrested for drunk driving. Commercial drivers caught with a BAC level of .04 percent or higher will be charged with a DUI. For drivers who are under 21 even a BAC level of .02 percent is enough for the police authorities to apprehend them for drunk driving.
Oklahoma insuranceThe basic requirement for an Oklahoma car insurance is the liability coverage for bodily injuries and property damages. There is also a minimum coverage amount imposed by the state of Oklahoma. For bodily injuries, the minimum coverage amount is $25,000 for every injured person or a total of $50,000 for the whole accident. For property damages, the minimum coverage amount is $25,000. In Oklahoma, the basic insurance requirement is also known as the 25/50/25 coverage.
Oklahoma follows the tort system with regards to settling claims arising from a vehicular accident or collision. Under the tort system, there is always someone at fault for causing the accident. That responsible including his or her car insurance provider, will need to pay for the bodily injuries and property damages caused by the accident.
Some Tips on How to Save Car Insurance Costs in Oklahoma
If you want to get the lowest or most reasonable car insurance rate, you will have to look and ask for car insurance rates from a lot of car insurance companies. Not all car insurance providers offer the same rates for the same coverage. It would not take you long to find the cheapest quote if you know where to find it. So far, the internet offers the most convenient and fastest way of getting the car insurance quotes. A few minutes of searching online can get you the car insurance quote that you want for your vehicle.
Driving safely and defensively can keep you from getting involved in a vehicular accident as well as keep your car premiums down. Frequent involvement in vehicular accidents even if they are only minor ones, will have a negative effect on your car insurance rates and will increase your premium costs. A series of serious accidents can lead to suspension of your driver’s license or the refusal of car insurance companies to provide you with coverage.
If you want to learn how to drive safely or defensively, you should consider going to a driving school which teach such particular classes. As mentioned earlier, defensive drivers are less involved in vehicular accidents because they can assess the situation and react accordingly. Many car insurance companies offer discount to drivers who successfully passed a defensive driving course.
If you are planning to buy a car, consider getting one with lots of safety and security features. If possible, make sure that your car is equipped with safety features like air bags, seat belts, global positioning system or GPS, anti lock brakes, traction control and other similar devices in order to convince the auto insurance providers that your car is safe enough to be granted a lower premium rate.
Maintaining a good credit standing could help you secure a lower premium rate. Many car insurance providers think that a car owner who has a good credit score is also a safe and reasonable driver. This is the reason why car owners with good credit standing are usually given discounts in their car insurance policy.
The DUI Laws in the State of Oklahoma
The Implied Consent Rule
In Oklahoma, the mere fact that you are physically driving on the state’s road is an implied consent on your part that you are willing to subject yourself to a blood alcohol concentration (BAC) test if the police suspects that you are driving while intoxicated. Refusal to undergo such chemical test will result in the seizure and suspension of your driver’s license from a period of 180 days up to 3 years even if you are not driving and drinking at that time.
Blood Alcohol Concentration (BAC) Limit for Drunk Drivers
Any driver caught with a BAC level of .08 percent or greater can be arrested for drunk driving. Commercial drivers caught with a BAC level of .04 percent or higher will be charged with a DUI. For drivers who are under 21 even a BAC level of .02 percent is enough for the police authorities to apprehend them for drunk driving.
Penalties for First Time DUI Offenders in the State of Oklahoma
First time offenders can spend some jail time for a period between 10 days and 1 year.
If at the time of arrest, the first time offender has passenger who is below 18 years old, the jail time period can be increase up to 4 years.
First time offenders will have to pay a fine in which the amount can reach up to $1,000. However, this does not include other fees and penalties in which the offender will also have to pay.
If at the time of arrest, the first time offender has a passenger who is below 18 years old, the amount of fine can be doubled but not exceeding $2,000. However, this does not include other fees and penalties which the offender must personally shoulder.
The driver’s license of the offender can be suspended for a period of 30 days.
The first time offender will need to enter an alcohol assessment and treatment program before he or she could apply for a reinstatement of the driver’s license.
A first time offender would also have to pay a minimum of $300 as DUI fees.
A first time DUI conviction can influence subsequent DUI charges up to a period of 10 years.
Refusal to submit to a chemical test will result in the automatic suspension of the driver’s license for a period of 6 months for the first offense.
Penalties Second Time DUI Offenders in the State of Oklahoma
A second time offender can spend a period of at least 1 year up to 5 years in jail.
2.If that the time of the arrest, the offender has a passenger who is below 18 years old, the prison term can last up to 4 years.
The offender’s driving license will be suspended for a period of at least 6 months.
Before being allowed to drive a vehicle, an ignition interlock device must be installed on all the vehicles that the offender owns or drives.
The amount of fine for the second DUI conviction will be $2,500 but this does not include other related fees and penalties which the offender will have to personally shoulder.
If at the time of arrest, the offender has a passenger who is below 18 years old the amount of fine will be doubled.
The offender will be ordered to enter and participate in an alcohol assessment and treatment program.
The Average Cost of Car Insurance in Oklahoma versus the National Average
The average car insurance premium in the state of Oklahoma is around $1,539 which is higher than the national average of around $1,442. Some of the state’s major cities have average car insurance premiums that are higher than the national or state average.
The Top Ten Vehicles Stolen in the State of Oklahoma
Owners of the following vehicles are expected to pay high premium rates because of the increased risk of auto theft.
Chevrolet Pickup (Full Size) 1990 Model
Dodge Ram 2001 Model
Honda Accord 1996 Model
Honda Civic 2000 Model
Ford F150 Pickup 2003 Model
GMC Pickup (Full Size) 1994 Model
Ford Explorer 2000 Model
Ford Taurus 2002 Model
Ford Mustang 2007 Model
Chevrolet C/K 1500 Extended Cab 2002 Model
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