No matter what you drive, we’ll make sure you’re covered and get the discounts you deserve.
Did you know… Allstate pays you back with a bonus check for driving safe?
Auto Insurance Tulsa
When shopping for auto insurance in Tulsa, look for an agent that takes time to listen and understand your specific circumstances.
A poorly designed policy may leave you exposed to costly liability or out of pocket expenses. Don’t let this happen.
We will put together an auto insurance policy that protects you in common and not so common driving situations.
Discover what it feels like to be served by a company that cares about you.
Car Insurance Coverage Options
Ever wonder what it means when people talk about Liability, Collision, Comprehensive or Full Coverage? Watch these short videos for a quick explanation.
Auto Insurance Resources & Information
I’m Going to _______. Is It Covered?
Pull a parade float. As long as you are doing it as a volunteer and are not being paid, insurance will typically offer protection. In the event that something occurs, make sure you know how your insurance may help protect you. Read more >
Rent a car. A personal auto insurance policy typically extends to a rental car as long as you’re in the United States. If you pay for a rental car with certain credit cards, you may find they offer free insurance, according to the Insurance Information Institute (III). However, it’s important to review your insurance coverage to make sure you have the appropriate coverages in place before saying no to that extra insurance offered by the rental company. Read more >
Rent a car abroad. Typically, your own auto insurance will not cover you abroad. Every country has its own requirements. Before traveling you may want to contact your destination’s U.S. embassy to learn of any rental car insurance requirements. Read more >
Rent a moving truck. Some auto insurance policies may help cover a moving truck, but there may be certain exclusions depending on the truck size, according to the National Association of Insurance Commissioners(NAIC). Be sure to speak to your agent to know what size trucks are covered under your insurance policy. Read more >
Drive for a ride-sharing company. The NAIC explains that personal auto insurance may not cover you if you use your car for business purposes. There may be gaps in what your personal car insurance covers and what the ride-sharing company’s insurance covers. Some personal auto insurers do offer optional coverage, however, to help fill those gaps. Read more >
Does Car Insurance Cover …
Hail damage? Typically, the answer is yes, if you have comprehensive coverage. Comprehensive coverage may help pay to repair dents in your car, broken windshields and even interior water damage caused by hail. Read more >
Pothole damage? Generally, collision coverage may help pay for damage to your vehicle caused by hitting a pothole, but car insurance policies typically do not cover normal wear and tear to tires due to potholes. Read more >
Windshield damage? Your insurance may be able to help if you have comprehensive or full glass coverage. These coverages may help pay for the costs of repairing or replacing your windshield. Read more >
Tree damage? If you have comprehensive coverage, insurance may help pay to repair or replace your vehicle, as long the damage doesn’t exceed your car’s worth. Read more >
Hitting a deer? Typically, damage to your vehicle after hitting a deer is considered a covered loss under comprehensive coverage. Read more >
Squirrel damage? If a squirrel chews on your car’s wiring, comprehensive coverage may help pay for repairs. Read more >
A hit-and-run? Auto insurance may help protect you if you’ve been hurt or your car has been damaged in a hit-and-run. Collision coverage may help pay for car repairs after a hit-and-run. Uninsured and underinsured motorist coverage and medical payments coverage may help cover your medical bills after a hit-and-run. Read more >
Catalytic converter theft? Typically, comprehensive coverage may help cover the theft of car parts. Read more >
A stolen car? Comprehensive coverage typically helps cover losses such as theft. In the event your car is stolen, call the police and file a report, notify your insurance company after you’ve filed the report and if your car is leased or financed you should notify the lender. Read more >
A friend wrecking my car? If your friend was involved in a wreck while driving your car, typically your insurance policy (not his) would likely be tapped to pay for damage or injury costs resulting from the accident. However, the way this plays out depends on the specific coverages and limits of your insurance policy. Read more >
Keep in mind that the coverage you may receive will depend on the type of auto policy you have. In the event of an accident, note that you may be required to pay a deductible in order for your coverage to fully kick in.
If you’re unsure what your car insurance policy covers, or what types of protection you may need, talk to us. We’ll answer any questions you may have.
More People Working – Unemployment rates are the lowest since 2008. This puts more people on our roadways
More New Cars On the Road – 17.5 million new cars sold in 2015, beating the sales peak reached in 2000. Higher cost vehicles create higher cost claims
More Miles Driven – 3.148 trillion miles driven in 2015, beating the previous records set in 2007. *Fuel demand is at a record high and fuel prices hit a decade low in March 2016
More Distracted Drivers – Nine Americans die each day from distracted driving accident. 49% of drivers admit to texting and driving. 1 in 4 accidents involve a smart phone. (Please, please don’t text and drive.)
More Accidents/Fatalities – 2015 traffic deaths rose by the largest percent in 50 years. 14.4% increase in number of Southwest auto claims from 2014 to 2015
More Expensive Claims – $34.9 million more paid in Southwest auto claims from 2014 to 2015. Healthcare cost increases continue to outpace inflation each year. Car parts are now high tech. The cost of a Toyota emblem increased from $51 to $965. The cost of replacing Cadillac tail light is $795, compared to $56 in 2000
The fact is – all insurance companies are affected by increasing auto insurance premiums. At Hall Insurance Solutions, we offer a some of the industry’s BEST discounts, including:
- Your Choice Auto
- Safe Driving Rewards
- Cash Back for Safe Driving
- Senior Discounts
- Good Student Discounts
- Accident Forgiveness
- Even Discounts for Using our EZ Pay Plan
Be Informed & Be Prepared
Common Policy Misconceptions
- Non-factory sound systems and accessories may not be covered without optional coverage
- Rental re-imbursement to cover the cost of a rental car while yours is being fixed may not be covered under a standard policy
- Without Comprehensive Coverage, your vehicle and personal property is not covered against damage caused by vandalism, theft or acts of God
Teen Drivers & Passengers
- Most teens who are killed in crashes aren’t using their safety belts.
- Per mile driven, the fatal crash rate of 16-19 year olds is about 4 times as high at night as it is during the day
- About 2 of 5 young drivers fatal crashes occur between 9 pm and 6 am. The problem isn’t just that driving in the dark requires more skill behind the wheel
- Teens are less likely than adults to drive after drinking alcohol, but their crash risk is substantially higher when they do. About 1 in 5 fatally injured 16-year-old drivers have blood alcohol concentrations of 0.08 percent or more
- About 3 of 5 deaths of teen passengers occur in crashes with teen drivers
- 16-17 year old drivers have higher death risk per mile traveled when passengers ride along. This risk increases with to addition of every passenger
- Many fatal crashes involve only the teen’s vehicle. Typically these are high-speed crashes in which to teenage driver loses control
- Excessive speed is a factor in about 1/3 of fatal crashes involving teens
- Did you know about 41% of boaters say that they don’t have insurance? If you are in an accident with one of these boaters, chances are that they will not be able to pay your medical bills
- Allstate Uninsured Watercraft Coverage can help protect you and your passengers if an accident does happen
- One accident and you could lose it all. For a small amount you can get liability insurance.
- You might be able to go without your boat, but could you write a check for $23,600? That’s how much the average boat liability claim is
- Did you know that you can add Emergency Services Coverage to your boat insurance to tow you in for free if it breaks down? Yep, up to $3000.
- If your helmet is damaged in an accident, it’s covered for up to $500
- Optional Equipment Coverage is the most overlooked additional coverage available
- Optional equipment coverage (for customized parts) covers after-market additions (including custom paint) up to $30,000 for motorcycles. Also covers dealer-added items as part of the original sale – sound systems, custom seats, saddle bags, trunk and luggage racks, custom light bars, custom paint, trailers towed by insured vehicle, cars bars, sissy bars, windshields, fairings, tank bags, custom exhaust system, cycle safety riding apparel
- Trip interruption coverage reimburses for transportation costs, lodging and food expenses if your bike is disabled. (Must be at least 100 miles away from home)
- You can save up to 30% on your motorcycle insurance if you also insure your Home and Auto
- You may also receive a substantial discount just for belonging to a Motorcycle Association
Off-Road Vehicle Insurance (ATV, Snowmobile, Dirt Bike, Golf Cart)
- There are approximately 10 million All-Terrain Vehicles, snowmobiles and trail bikes in the U.S.
- Only about 50% of all ATV’s and 39% of all trail bikes are insured – creating a lot of risk for riders
- Many people erroneously believe their Off-Road Vehicle is covered under their Homeowners Policy
- Within your homeowners policy, the motorized vehicle may be covered for physical damage to the vehicle from $1000 TO $2500 (depending on the insurance company). This would apply when the ORV is used SOLELY for service on the insured premises
- In the event it is damaged off premises, no coverage would be provided, so if the vehicle is damaged while riding trails away from home, it would not be covered by your homeowners policy
- If the ORV is stolen while it is not on the insured’s premises, no coverage would be provided
- An off-premises accident in an ORV does not cover property damage or medical liability to others