If you are looking to buy Tulsa car insurance, before getting quotes, it is helpful to know what the minimum requirements are so that you can try to get as close to the limit as possible, thus making you save on your premium.
The only type of insurance required for the Tulsa area is liability insurance, which protects others, not you. Furthermore, it only applies if you are found to be at fault in an accident. When you are shopping for Tulsa car insurance, you will usually see liability coverage in A/B/C form. The minium liability amounts are 25/50/25. In other words, you must have $25,000 in bodily injury coverage for one person in an accident, $50,000 in bodily injury coverage for all people in an accident, and $25,000 in property damage liability. Bodily injury liability covers the medical expenses, pain and suffering, and/or wage lost. Property damage liability covers the cost to repair or replace other people’s car or things such as telephone polls, fences, or buildings.
Is it okay to just get the minimum of 25/50/25 in liability coverage? if you think that you’ll have enough money to pay for expenses in the future, then you can afford to get a lower premium which reflects the low amount of liability coverage. However, because most of us don’t have that kind of luxury, it is better to go for more liability coverage. Insure.com recommends that you have around 100/300/50 in coverage. Regardless, when shopping for Tulsa car insurance, it is your choice of how much liability coverage you need.