Personal Insurance

Let us answer some of the most important questions for you. Understanding what policy best suits you, is just a click away.

How much does it cost?

Factors that affect price

Age

Driving Record (Auto)

Location

Previous Claims (Home)

Gender

Health History (Life)

Credit Score

(Auto & Home)

Type of Coverage


Example #1

We know that price plays a big role in choosing your coverage. So we created an example of what your cost would be . . . if your family was perfect. (If you’re like the most of us, your example will be next.)

The Perfect Family

Location: Oklahoma City
Credit: Perfect
Driving record: Perfect
Claims: Perfect and clean
Health History: Perfect
Smoker: No

Sample Prices for Different Types of Coverage

Home:

$92600year
  • Dwelling: $200,000
  • Other Structures: $20,000
  • Personal Property: $125,500
  • Loss of Use: $50,000
  • Personal Liability: $500,000
  • Medical Payments: $5,000

Auto:

$17300 month
  • Number of Drivers: 4
  • Number of Vehicles: 3
  • Bodily Injury: 100/300
  • Medical Payments: $5,000
  • Property Damage: $100,000
  • Collision Deductible: $500
  • Comprehensive Deductible: $500

Bob Perfect

$4696month
  • Baner Life – Term 20
  • Term (length) – 20 Years
  • Amount – $500,000

Jane Perfect

$3232month
  • Nationwide Life – Term 20  
  • Term (length) – 20 Years
  • Amount – $500,000

Example #2

This is an example of what the cost would be if your family was real and a little less than perfect (like most families out there).

The Real Family

Location: Oklahoma City, OK
Credit: Average
Driving record: One Violation
Claims: One
Health History: Average
Smoker: No

Sample Prices for Different Types of Coverage

Home:

$112600year
  • Dwelling: $200,000
  • Other Structures: $20,000
  • Personal Property: $125,500
  • Loss of Use: $50,000
  • Personal Liability: $500,000
  • Medical Payments: $5,000

Auto:

$23900 month
  • Number of Drivers: 4
  • Number of Vehicles: 3
  • Bodily Injury: 100/300
  • Medical Payments: $5,000
  • Property Damage: $100,000
  • Collision Deductible: $500
  • Comprehensive Deductible: $500

Gavin Real

$5736month
  • Baner Life – Term 20
  • Term (length) – 20 Years
  • Amount – $500,000

Haven Real

$4523month
  • Nationwide Life – Term 20  
  • Term (length) – 20 Years
  • Amount – $500,000

What information do I need?
(Not required but helps get the best rate, quickly)

  • Current insurance information (has most of the needed info)

  • Social Security number of at least one driver

  • Vehicle Identification Numbers

  • List of drivers

  • Date of Birth of drivers

  • Drivers License numbers of drivers

Who do I call? (Not the Ghostbusters)