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Frequently Asked Questions

Below are some of our frequently asked questions.  If you have any other questions or concerns, please feel free to contact us via the web, or come and visit us at a location near you.

 

CAN I GET INSURANCE WITH A SUSPENDED LICENSE?

Yes.

Depending on your specific situation, there are many ways to obtain insurance in order to get your license back.

Make sure you check with your local DMV authorities to determine if you need an SR-22, a “Non-Owners” Policy or just a normal Insurance Quote.

 

CAN I GET INSURANCE WITH A FOREIGN OR INTERNATIONAL DRIVER'S LICENSE?

 Trying to get insurance in Oklahoma without a U.S. license? A lot of people that move to the U.S. find themselves without insurance and wondering how they can get regular liability insurance. Whether it is to either go get your drivers license switched to a U.S license, or maybe your interested in getting your car registered in the States, or even if you want to keep your license that is okay. Whatever your needs, at Best Insurance we can write you a policy. We have affordable insurance policies for everyone even those that have international or foreign drivers license’s. At Best Insurance we help people every single day get the insurance they need right away. So what are you waiting for? Either swing by one of our many locations or give us a quick call. We know it can be a pain to find insurance somewhere that offers good rates for International DL’s so we make it really easy for you to get a quote.

 

AUTO INSURANCE TERMS AND DEFINITIONS:

 


AT FAULT:
The degree to which you caused or contributed to an accident, or are “at fault,” and determines whose auto insurance company pays what portion of the damages. The method by which this is determined varies from state to state.

A representative of an auto insurance company who investigates and settles claims to ensure that all parties – you, your auto insurance company, and anyone else involved – receive fair compensation.

When you suffer a loss that’s covered by your insurance, such as an automobile accident, you submit a request to your auto insurance company to pay or reimburse you for expenses, damages and other financial obligations. By definition, that request is called a claim.

If you are at fault for an automobile accident, bodily injury coverage on an auto insurance policy pays the medical expenses and additional damages for which you are liable for other individuals injured in the accident.

The degree to which you caused or contributed to an accident, or are “at fault,” and determines whose auto insurance company pays what portion of the damages. The method by which this is determined varies from state to state.

A representative of an auto insurance company who investigates and settles claims to ensure that all parties – you, your auto insurance company, and anyone else involved – receive fair compensation

When you suffer a loss that’s covered by your insurance, such as an automobile accident, you submit a request to your auto insurance company to pay or reimburse you for expenses, damages and other financial obligations. By definition, that request is called a claim.

DEDUCTIBLE:
Any damage to yourself, your vehicle, or other people or property that is covered under your insurance policy.

Coverage that pays for damages to your vehicle resulting from a covered loss other than a collision, such as fire, theft, vandalism or contact with persons, animals, birds or falling objects.

COMPREHENSIVE:
Coverage that pays for damages to your vehicle resulting from a covered loss other than a collision, such as fire, theft, vandalism or contact with persons, animals, birds or falling objects.

COLLISION:
Coverage that pays for physical damage to your vehicle caused by rolling over or a collision with another vehicle or object, such as a building, fence or telephone pole.

INDEPENDENT AGENCY:
An insurance Agent or agency not directly employed by an insurance company. By definition, independent Agents may represent multiple insurance companies and can help you find the best fit for your personal auto insurance needs.

MEDICAL PAY:
Coverage that pays for reasonable medical expenses or death benefits to anyone covered under your policy in the event of an auto accident, regardless of fault.

Coverage for damages your auto causes to others and their property.

MOTOR VEHICLE RECORD:
A state record of licensing status, violations, suspensions, and other infractions you’ve had over the last several years. The MVR is one of many factors used by your auto insurance company to fairly determine your premium, based on the probability that you’ll have a claim in the future. Coverage that pays for reasonable medical expenses or death benefits to anyone covered under your policy in the event of an auto accident, regardless of fault.

PREMIUM:
The amount you pay for your insurance coverage; can be paid monthly, quarterly, yearly or according to different payment plans that you select.

A state record of licensing status, violations, suspensions, and other infractions you’ve had over the last several years. The MVR is one of many factors used by your auto insurance company to fairly determine your premium, based on the probability that you’ll have a claim in the future.

VEHICLE IDENTIFICATION NUMBER (VIN):
Your vehicle’s serial number assigned by the manufacturer. The VIN identifies year, make, model, options and other information that, by definition, is unique to your specific vehicle.

Coverage that pays for your bodily injury and related medical expenses when you’re injured in an automobile accident and the responsible party (other than yourself) doesn’t have auto insurance or can’t be located (hit-and-run).

If purchased, this auto insurance coverage will reimburse you for reasonable towing costs and labor costs at the site of breakdown when a covered vehicle is disabled.

Note:Each state governs auto insurance differently, and some of these terms and definitions may differ from state to state, or from policy to policy.

 

 WAYS TO LOWER INSURANCE COST:

Reduce Insurance Coverage on Older Cars:

Consider dropping full coverage on older cars and switching to liability coverage. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective. Review your coverage at renewal time to make sure your insurance needs haven’t changed.

Maintain a Good Credit Record:

Establishing a solid credit history can cut your insurance costs. Insurers are increasingly using credit information to price auto insurance policies. To protect your credit standing, pay your bills on time, don’t obtain more credit than you need and keep your credit balances as low as possible.

Seek Out Other Insurance Discounts:

Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you take a defensive driving course. If there is a young driver on the policy who is a good student, has taken a drivers education course or is at a college out of the area without a car, you may also qualify for a lower rate.

Ask for Higher Insurance Deductibles:

Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

 

 

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