What Full Coverage Includes
Liability
Covers covered injuries and property damage you cause to others. Oklahoma requires drivers to carry at least 25/50/25 liability coverage.
Collision
Helps pay for covered damage to your vehicle after a collision with another vehicle or object, subject to your deductible.
Comprehensive
Helps cover certain damage that happens outside of a collision, including hail, theft, vandalism, fire, falling objects, and other covered losses.
What Are You Protecting Against?
Different parts of your policy apply to different types of losses.
| If this happens... | Coverage that may apply |
|---|---|
| You damage another person's vehicle | Liability |
| Your car is damaged in a collision | Collision |
| Hail damages your parked car | Comprehensive |
| Your vehicle is stolen | Comprehensive |
| A tree limb falls on your car | Comprehensive |
Coverage depends on the details of the loss and the terms of your policy.
Full Coverage for Tulsa Weather
Tulsa and northeast Oklahoma can experience hail, strong winds, severe thunderstorms, and storm debris that may damage a vehicle even when it is parked.
Comprehensive coverage is generally the part of a full coverage policy that applies to covered weather-related losses such as hail damage or damage caused by falling objects.
Collision and comprehensive together provide protection for your vehicle across a wider range of situations.
Set Up Your Full Coverage
Two of the biggest choices involve your vehicle and your deductible.
Is Your Car Financed?
Financed or leased: Your lender or leasing company may require collision and comprehensive coverage in addition to the liability insurance required by Oklahoma law.
Paid off: Collision and comprehensive are generally optional once there is no lender requirement. You can choose coverage based on your vehicle and the protection you want to keep.
Choose Your Deductible
Collision and comprehensive typically include a deductible.
- Lower deductible
- You pay less out of pocket toward a covered claim, but the policy may cost more.
- Higher deductible
- You take on more of the cost of a covered claim, but the policy may cost less.
Your deductible applies according to the coverage and terms of your policy.
What Shapes Full Coverage Car Insurance Rates in Tulsa?
The cost of full coverage varies by driver, vehicle, and coverage selections.
- Vehicle
- Year, model, value, repair costs, and other vehicle characteristics.
- Driver
- Age, driving history, and other rating information.
- Coverage
- Liability limits, collision and comprehensive selections, and deductibles.
- Location
- Where the vehicle is kept can also factor into insurance pricing.
Your actual rate depends on the information used to build your quote.