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Broken Arrow, OK 74012

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Oklahoma Insurance Blog

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How Can I Make My Motorcycle Insurance More Affordable?

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Motorcycle insurance can be expensive, especially if you live in a high-risk area. However, there are ways to make it more affordable. 

Here are some tips that can help you save money on your motorcycle insurance policy:

Shop Around

The first step to finding affordable motorcycle insurance is to shop around. There are many different insurers, so you’ll want to compare rates before committing to a policy. You can use an online comparison tool from our website to get quotes from multiple insurers in just minutes.

When you’re comparing rates, be sure to look at more than just the price. You’ll also want to consider the coverage options, deductibles, and discounts that each insurer offers. By doing your research, you can find an affordable policy that still meets your needs.

Maintain a Clean Driving Record

One of the best ways to keep your motorcycle insurance rates low is to maintain a clean driving record. Insurers typically offer lower rates to drivers who have no accidents or traffic violations on their records. Even with violations, talk to a professional agency such as Greater Tulsa Insurance Inc. in Tulsa, OK to see what can be done.

Consider Dropping Collision and Comprehensive Coverage

If you’re looking for ways to save money on your motorcycle insurance, you may want to consider dropping collision and comprehensive coverage. These types of coverage are optional, and they can add a significant amount to your premium. You may not need these types of coverage if you have an older motorcycle.

Take a Motorcycle Safety Class

Taking a motorcycle safety class can also help you save money on your insurance. Many insurers offer discounts to drivers who have completed a motorcycle safety course. These courses teach you how to safely operate a motorcycle and avoid accidents.

Contact Us Today

The best way to make your motorcycle insurance more affordable is to shop around and compare rates. At Greater Tulsa Insurance Inc. in Tulsa, OK, we can help you find the best motorcycle insurance policy for your needs and budget. Give us a call today to get started.

Do I Need Year-Round Boat Insurance?

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If you’re a boat owner in Tulsa, OK, you may wonder if you need to ensure your vessel year-round. The answer depends on a few factors, such as your boat type and how often you use it.

Let’s dive deeper into the subject to help you decide whether to insure your boat year-round.

Is Boat Insurance Required in Oklahoma?

Oklahoma does not require boat owners to have insurance, but if you finance your vessel, your lender will probably require you to have a policy. Even if insurance isn’t needed, it’s still a good idea to have coverage.

If your boat is damaged or stolen, it can help you avoid financial ruin by providing liability and property damage coverage. It can also provide liability coverage if an injury occurs on your boat.

Contact Greater Tulsa Insurance Inc. to speak with a boat insurance agent.

What Kinds of Boat Insurance Coverage are Available?

There are two main types of boat insurance coverage: property damage and liability.

Property damage:

This coverage protects your boat if it’s damaged or stolen, and it can also help pay for repairs if your boat is involved in an accident.

Liability:

This coverage protects you financially if you’re sued for accidentally injuring someone with your boat or if it damages someone else’s property.

Also, remember that you can tailor your policy to suit your needs. For example, you can add extra coverage for certain types of damage or purchase a policy offering higher liability limits.

What Affects the Cost of Boat Insurance?

A few factors can affect the cost of your boat insurance, such as your boat type, the size of your vessel, and where you keep it docked. Other factors impacting your rates include your age, driving record, and boating experience.

Give Us A Call

The best way to get an accurate estimate of your boat insurance costs is to contact Greater Tulsa Insurance Inc. and speak with a boat insurance agent. We can help you find the right policy in Tulsa, OK for your needs and budget.

How Can I Find Out If My Property Is In A High-Risk Area For Flooding?

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The Flood Map Service Center by FEMA displays information like flood zones, floodways, and the risk rating of your home. There’s also information on levees, coastal barriers, the base flood line, and topographical and infrastructure data. For advice in Tulsa, OK, you can contact Greater Tulsa Insurance Inc. 

What to Know About High-Risk Flooding Areas 

Flooding is a problem in all regions, although some are more vulnerable than others. You may face increased insurance rates as well as probable damage to your house depending on the amount of hazard your property faces—low, moderate, or high risk. 

The maps provide a risk assessment based on previous flood occurrences and patterns. Most properties in high-risk flood zones are located near water. Non-flood zones account for more than 20% of flood-related property insurance claims, so no one should believe they’re secure. Flooding may become more prevalent as a result of climate change.

 According to Popular Science, nearly 15 million American properties are in significant danger of flooding in 30 years. More than three million are virtually guaranteed to be submerged during that period. There are various methods for preventing flooding in your home. One of them is to employ a flood sensor. 

These can detect leaks from equipment such as your water heater and washing machine and weather-related basement leaks. You’ll be notified of any unwanted water that appears in your home. Private flood insurance plans are available, but you can also get government-sponsored coverage via the National Flood Insurance Program (NFIP). 

Contact Us Today

Floodplains and flood zone classifications can alter over time due to new buildings and changes in terrain. Make a strategy to examine the flood zone classification of your property every five years or so. 

Keeping track of your flood zone designation helps you prepare for a potential flood and assures you have the correct type and amount of flood insurance at all times. For help, call Greater Tulsa Insurance Inc. in Tulsa, OK.

How Often Should I Review My Life Insurance Coverage?

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Getting life insurance is one of the most intelligent decisions that you can make in your life. However, it’s critical that you regularly review your life insurance. Many Tulsa, OK residents have been asking us – how often should I review my life insurance? We at Greater Tulsa Insurance Inc. advise that you review your life insurance with the help of your insurance agent annually. This will ensure that you have the proper kind and level of coverage to offer maximum protection to your loved ones. If you have permanent life insurance, reviewing your policy at least once a year provides an excellent opportunity to ensure that it’s helping you meet your overall financial goals.

Are There Other Times That It’s Advisable I Review My Life Insurance?

Your life insurance needs are bound to change as your life changes. Therefore, it is good practice to schedule a life insurance review whenever there is a significant event in your life. Some of these major life events are getting married, buying a house, getting divorced, accepting a new job, buying a business, becoming disabled, retiring, refinancing your home, and becoming an empty nester.

One of the most overlooked reasons for planning a life insurance review is undergoing a change in health. If your health starts deteriorating, you should review your life insurance to increase your coverage and consider additional coverage opportunities. On the other hand, if your health improves because you have lost weight, quit smoking, started exercising, or have gotten your blood pressure under control, you can get a better rate. This also applies if you have a risky job like being a roofer or have stopped pursuing a dangerous hobby like mountain climbing.

Do you need exceptional life insurance coverage in Tulsa, OK? At Greater Tulsa Insurance Inc., we are here for you. Contact us today for a personalized life insurance policy. 

What is basic auto insurance in Oklahoma and when is it a good choice?

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It is important if you’re driving your car in the state of Oklahoma that you are aware of the basic amount of auto insurance required by the state. You can be penalized if you don’t have the correct amount and it could cost you your registration and license. At Greater Tulsa Insurance Inc. in Tulsa, OK, we will make sure that you have the right coverage to protect your assets. 

Basic auto insurance in Oklahoma 

In Oklahoma, the basic insurance that every driver is required to have is liability coverage in the amount of 25/50/25. This breaks down to $25,000 for injuries to the first person injured in an accident where you are responsible, and the total amount for bodily injury is $50,000. $25,000 is allowed for property damage, which is a pretty good amount but not too much. It’s only enough if you have little or no assets. 

For most people, this is not really enough liability insurance. It really is pretty basic, and unless your assets are very basic, you could find yourself holding the bag if you are responsible for an accident. The insurance industry recommends that you have $100,000 for the first person, with a total of $300,000 per accident. Add to that, $100,000 for property damage. This will be more in keeping with what the actual damage from a serious accident could be. 

Basic insurance does not offer any protection for your vehicle. If it is stolen or damaged in an accident where you are responsible, you will have to replace it yourself. If you have lots of money and can easily do that, then basic insurance is the right choice. Or, if your vehicle is old and has very little cash value, go for basic coverage. 

Contact Greater Tulsa Insurance Inc. in Tulsa, OK for personalized auto insurance coverage. 

Key Commercial Insurance Facts Oklahoma Business Owners Should Learn About

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Greater Tulsa Insurance Inc. serves the Tulsa, OK community. We are an independent agency. We help our clients find unique policies that align with their individual needs. We work with multiple carriers throughout the region. This allows us to assist our clients regardless of their situation. We look forward to helping you stay covered when difficult times arise.

Key Commercial Insurance Facts

Tulsa, OK is a competitive marketplace. Businesses are seeking to develop strategies that will help them separate themselves from the competition. As an Oklahoma business owner, you have to manage different rules and responsibilities. Commercial insurance can assist you by alleviating stress. The policy protects your business against potential liability issues. For example, you are covered if a customer alleges that your products caused them harm. You are also covered if something happens to your inventory. This gives you a safety net if your equipment is stolen or an accident happens and damages occur.

Commercial insurance also protects your employees. Your business runs smoothly because of the contributions of your employees. Dealing with issues in the workplace can impact things. Worker’s compensation covers your business if one of your employees is injured in the workplace. The coverage takes care of their medical bills and prevents your business from dealing with potential litigation.

As your business evolves, you can add extra coverage to your commercial insurance policy. If you plan to offer remote services in the future, commercial auto insurance is something to consider. The coverage takes care of any damages to vehicles that you use for business-related endeavors. You can also add business interruption coverage. Business interruption coverage keeps your business afloat while you handle the aftermath of serious property damage.

Greater Tulsa Insurance Inc. Will Help You Protect Your Investment

Visit our website to learn more information about commercial insurance.

When to review your home insurance policy

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Protecting your home is what all homeowners want to do. Home insurance offers a variety of protection, all of which are important. Making sure you have exactly what is best for your home and situation is essential. With an independent insurance agent in Tulsa OK, you can be sure you’re getting what you need. Greater Tulsa Insurance Inc. has the experienced team you require. 

Like most types of insurance, home insurance should be reviewed occasionally. Things change, situations change and homes change. It is essential that your insurance reflects your need for insurance today, not what you needed five or more years ago. 

When your policy renews every year, that is the obvious time to review your coverage. Check your deductible, the type of content coverage you have, and the amount of liability coverage. If the premium has gone up, question why and also check that you are getting all the discounts you qualify for. 

  • It is a good time to review your home policy when your personal wealth has increased. Do you have enough liability protection? You need to safeguard what you own and your savings. 
  • Does your deductible make sense? You may be able to save on your premium by going with a higher deductible. If you want to pay out less of your own money with a claim, go with a low deductible. 
  • Have you made major renovations to your home that increase the square footage or the value of your home? Make sure your insurance reflects that. 
  • Have you added anything to your home that increases your risks, like a pool or a pet? Think about increasing your liability coverage. 
  • Let your agent know if you have added a security system to your home. 

Contact Greater Tulsa Insurance Inc in Tulsa, OK when you are ready to get the home insurance you need.

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