Category: Auto Insurance

S & S Insurance Services Inc. is proud to serve the greater Oklahoma City, OK area community. If you need auto insurance or want to make sure that your current policy meets your needs, we can help. Contact us today to learn more about the features that are currently available with auto policies in our area.

Benefits of Having Roadside Assistance Through Your Auto Policy

There are a number of different benefits that come with adding roadside assistance to your auto policy. Here are just a few of them:

• Cost savings – when you add this feature to your policy, the cost is very reasonable. You’ll also have one less bill to worry about paying by having a separate roadside service.
• Seamless claims processes – using the insurer-provided roadside assistance typically means that the invoice goes directly to your insurance carrier who then pays the towing service directly. When you have to file a claim, there’s a lot to keep track of, and by using the service contained in your policy, you will have less paperwork to keep track of.
• Reliable partners – your insurance company has a vested interest in partnering with reliable service providers. They do the vetting for you, and you can rest assured that the towing company they send to help after an accident or when your car breaks down will be dependable and provide quality work.

Contact Us Today

Drivers in Oklahoma City, OK and the surrounding areas turn to the team at S & S Insurance Services Inc. to protect their vehicles. Now’s an ideal time to stop by or give us a call to learn more.

As a driver in Oklahoma City, OK, you want to ensure you’re always protected. While basic auto insurance coverage is essential, S & S Insurance Services Inc. recommends adding these vital add-ons for peace of mind.

Uninsured/Underinsured Motorist Coverage

Even though auto insurance is mandatory in the state, many uninsured or underinsured drivers are still on the road. You may be left with significant expenses if you get into an accident with one of them. Uninsured/underinsured motorist coverage can help cover these costs, including medical bills and vehicle repairs.

Personal Injury Protection

Personal injury protection can help cover medical expenses, lost wages, and other related costs if you or your passengers are injured in an accident. This is particularly important if you have a high deductible health insurance plan or no health insurance coverage. One key benefit of personal injury protection is that it pays regardless of who was at fault in the accident.

Comprehensive Coverage

Comprehensive coverage can help protect your vehicle from non-collision damage, such as theft, vandalism, or natural disasters. This coverage is especially crucial if you live in an area prone to storms, floods, or hurricanes.

Roadside Assistance

Breaking down on the side of the road can be stressful, especially if you’re far from home. Roadside assistance coverage can help with services like towing, jump-starts, and flat tire changes, giving you peace of mind knowing that help is just a phone call away.

Give Us A Call

At S & S Insurance Services Inc., we understand that every driver has unique needs and concerns. That’s why we offer a range of auto insurance add-ons to help give you the coverage you need. We serve drivers throughout Oklahoma City, OK and the surrounding areas. Contact us today to learn more.

One of the largest investments that someone in the Oklahoma City, OK area can make will come when they buy a car. If you are going to purchase a car, you will also quickly recognize that it is an asset that you will rely on daily. Accordingly, getting the right insurance is very important. One form of coverage all people here need to consider getting is comprehensive insurance.

A fully comprehensive insurance plan will provide various forms of coverage:

Theft and Vandalism Risk

One of the risks that people will face is the risk that a car could be stolen or damaged by another person with intent. If you are a victim of theft or vandalism, the cost to replace or repair your car can be significant. If you are not insured, you will need to cover these costs out of your own savings. However, with an auto insurance plan with comprehensive coverage, you will receive the support you need in these situations. 

Natural Disaster Damage

If you live in an area prone to hurricanes, tornados, or other types of natural disasters, there is always a chance your vehicle could be damaged during one of these situations. If you have a comprehensive insurance plan, you will get the support that you need in these situations. This can ensure you are able to make necessary repairs or replace the car entirely. 

Have Questions? Consult With Us

Auto insurance becomes essential when you own a vehicle in Oklahoma City, OK. To ensure you have the right coverage, it’s wise to reach out to our team with S & S Insurance Services Inc. When you contact us at S & S Insurance Services Inc., you’ll receive expert guidance and support to tailor a comprehensive insurance plan that effectively safeguards both you and your vehicle. This will keep you in good standing with any requirements and will also offer peace of mind. 

Basic auto insurance is the minimum required by the state to operate your vehicle. If you have an old vehicle with little cash value, that may be fine. At S & S Insurance Services Inc., serving the greater Oklahoma City, OK region, we are independent insurance agents, and we take our responsibility to our customers seriously. We make sure they have as much auto insurance as they need to be protected. 

In the state of Oklahoma, the basic amount of auto insurance you must have is liability coverage in the amount of 25/50/25. That will protect other drivers from you, but it doesn’t do anything to help you protect your vehicle. If you are leasing your vehicle or have a car loan, you will need to have additional insurance to protect the car. 

Beyond The Basics

If you are like most people, you count on your vehicle every day to do your regular activities of daily life. Getting to work, going to the grocery store, running errands, etc. are vital, and being without a vehicle can be a serious problem and cause a lot of stress. Not everyone has the cash necessary to pay for repairs or to replace their vehicle out of pocket. 

Comprehensive coverage and collision coverage provides protection for accidents that happen to your vehicle when no one else is responsible for the damage. It can be weather-related, it can be an accident you caused, or a one-car accident. It also covers theft, vandalism, a cracked or damaged windshield, and a whole lot more. Furthermore, it provides the peace of mind that you need when it comes to your vehicle. 

Contact Us Today

To discuss your auto insurance needs, give S & S Insurance Services Inc. in Oklahoma City, OK a call or drop by our office. 

If you are starting to build a life with a partner or new potential spouse, you may find yourself wondering if you should share an auto insurance policy. Here at S & S Insurance Services Inc., providing residents in the greater Oklahoma City, OK area with auto insurance, we want to help our customers make the decision that is right for them. Learning the pros and cons of sharing a policy can help you to see if sharing a policy may be a good idea or a bad idea for you and your partner. 

Sharing an Auto Insurance Policy With Your Partner

The Cons

The biggest downside to sharing an auto insurance policy with your partner is that you can civilly be held liable if your partner causes an accident that causes more damage than your auto insurance coverage provides for. You open yourself up to this liability if you share a policy with anyone, including a partner, a spouse, or a teenage child. 

The Pros 

The biggest benefit associated with sharing an auto insurance policy with your partner is that your rates may decrease. When you combine policies, you and your partner will likely be spending less compared to each of you having your own policy. Additionally, it helps to ensure that you are both covered on each other’s vehicles, so you can freely share cars or drive each other’s vehicles. 

Contact Us Today

If you have decided to share an auto insurance policy with your partner, or you want to keep your policies separate, S & S Insurance Services Inc., serving the greater Oklahoma City, OK area, is here to help you with all of your auto insurance needs. Call us today to obtain estimates for auto insurance products. 

Here at S & S Insurance Services Inc., serving the greater Oklahoma City, OK area, we have noticed that many people are unfamiliar with common lingo or terms that are used in the automobile insurance industry. Unfortunately, this can make it hard to understand specific policy information or to even select the policy that is best suited to that individual. Our agency wants to make it as easy as possible to select the right insurance policy for your needs.

Here are just a few of the auto insurance terms that every insurance purchaser should familiarize themselves with:

Liability Insurance

Liability insurance helps to cover other individuals’ cars, property, or expenses if you are at fault for an accident. Every state has a mandatory minimum liability insurance coverage amount, but you are able to purchase more than the minimum amount. 

Comprehensive Coverage

Comprehensive coverage is auto insurance coverage that covers your vehicle for events outside of accidents. This may include fire, theft or flooding. If your car is not paid off yet, you may be required by the loan company to carry comprehensive coverage. 

Deductible

A deductible is an amount you will have to pay out-of-pocket, or up-front before your insurance policy pays for any remaining balance. Not every policy has the same deductible, so it is important to consider what the deductible is on a specific policy. 

Get Auto Insurance Today

If you are looking to purchase a new insurance policy, chances are, you are going to hear the terms liability insurance, comprehensive coverage, and deductible. These are just a few of the terms that are commonly used in the auto insurance industry. If you are looking to purchase a new auto insurance policy and have questions about terms, coverage, or limits, reach out to S & S Insurance Services Inc., serving the greater Oklahoma City, OK region. Let us help you find the right insurance policy for your needs.