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Auto insurance is a complicated matter. BUT it doesn't have to be. 

We have auto insurance for the best drivers with no tickets and no accidents.

We have auto insurance for drivers with a few accidents.

We also have auto insurance for drivers who've had more than their fair share of tickets and/or accidents. Don't be embarrassed. We've seen it all. 

Call us for your auto or toy quote today. 918-615-9585

Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to use their insurance. Below are a few basics on car insurance:

  • Collision Coverage – This is the basic insurance type that covers your vehicle if you collide into something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge. This is where you have a deductible.
  • Comprehensive Coverage – This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism. This is where you have a deductible. 
  • Liability Coverage – This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is mandated by the state of Oklahoma, so it is important that you as the driver make certain you have an adequate amount. State minimum is 25/50/25. 
  • Uninsured Motorists – Do you understand how this works in Oklahoma? It may be different than you think. In Oklahoma, UM pays to fix YOU and NOT your vehicle. 

Now that you understand a bit more about the different types of auto insurance available, you're probably ready to find the right coverage for you. Call us for your quote today. Email us for your quote today. Lighthouse Insurance shops multiple companies for you and we have bundle discounts!