Safety Tips for Winter Driving

February in Oklahoma can mean unpredictable weather, including the potential for ice storms. These conditions can transform a simple drive into a challenge. To ensure you’re prepared, it’s essential to equip yourself with the right knowledge and tools to stay safe on the road. Here’s a checklist and practical advice for winter travel to keep your journey smooth and incident-free.

  • Check the Weather Forecast: Before heading out, always check the weather conditions along your route. This helps you avoid areas predicted to be hit by ice storms or heavy snowfall.
  • Slow Down and Keep Distance: Icy roads can be tricky. Reduce your speed and increase the following distance between your car and the vehicle in front of you to allow for longer stopping distances. It’s recommended to keep about 8 to 10 seconds between your car and the vehicle in front of you on icy roads to allow extra space in case of sudden braking or slippery conditions. 
  • Avoid Sudden Movements: Gentle, steady movements are key when driving on icy roads. Avoid sudden braking, sharp turns, and rapid acceleration to maintain traction and control.
  • Stay Visible: In snow or fog, visibility can drop significantly. Ensure your headlights are on and functioning properly, and consider using fog lights if they’re available on your vehicle. 
  • Equip Your Car: Carry essential winter equipment such as an ice scraper, de-icer, and reflective safety triangles. If you frequently travel in remote areas, consider storing snow chains as well as a precaution.
  • Keep Your Tank Full: Fuel stations may be scarce, especially if road conditions worsen, so it’s best to keep your fuel tank closer to full rather than running on near-empty.

By following these safety tips, you can be prepared for winter driving conditions, ensuring your trips remain as safe and stress-free as possible. Safe travels!

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your home, auto, commercial and life insurance needs.

Don’t forget to follow us on social! This kind of information and more is just a click away. You can find us on Facebook, Instagram and LinkedIn.

Off-Roading with Peace of Mind

Off-Roading with Peace of Mind

Picture this: It’s the weekend, and you’re ready to leave the city behind to explore the great outdoors. The call of the trails promises a day of mud, laughter, and memories with friends and family. For those who thrive on adventure, off-roading is more than just fun—it’s an escape, a chance to experience the wild and wonderful landscapes that Oklahoma has to offer.

The Thrill of the Trail

Off-roading is not just an activity; it’s a discovery path. Each trail brings its own challenges and rewards, with something new to explore at each turn. Whether you’re an experienced trailblazer or just starting out, the joy of off-roading is universal.

Be Prepared for the Unexpected

Off-road escapades are an adventure for any thrill-seeker, but like any great adventure, it comes with uncertainties. Sudden changes in weather might bring unexpected challenges, and tough terrains can test both vehicle and driver. 

Understanding Your Coverage Needs

While no one can predict every twist and turn of the trail, being prepared helps to ensure you have peace of mind to fully enjoy the ride: 

  • Liability Coverage: Protects you financially from claims or lawsuits due to injuries or property damage caused by your off-road vehicle in unpredictable terrains.
  • Medical Payments Coverage: Covers medical expenses for injuries to you or your passengers in an accident, regardless of fault.
  • Comprehensive Coverage: Safeguards your vehicle against non-collision incidents like theft, fire, or vandalism.
  • Collision Insurance: Covers damage to your vehicle from collisions, ensuring protection on challenging trails.

An OKFB agent can help you understand how much coverage will be right for you, helping provide peace of mind no matter what the future may bring.

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your home, auto, commercial and life insurance needs.

Don’t forget to follow us on social! This kind of information and more is just a click away. You can find us on Facebook, Instagram and LinkedIn.

Does My Car Insurance Cover Other Drivers?

Does your car insurance cover other drivers? The short answer is yes, your auto insurance likely extends to a licensed driver you’ve given permission to drive your car, but there’s more to it than that. Here’s what you need to know: 

State Laws

It’s important to note that determining liability when someone else drives your car can vary by state. In Oklahoma, the car owner’s insurance will provide physical damage coverage. This is because comprehensive and collision coverages are specifically linked to the car. 

Your Auto Coverage

If the person borrowing your car gets into an accident and is found at fault, your auto liability coverage may help pay for the other vehicle’s damage and the other driver’s medical bills. However, it’s crucial to understand that your policy’s liability coverage likely would not cover damages to your own vehicle or the medical bills for the driver of your car in this situation.

Remember, every situation is unique, and your auto policy may include specific restrictions and exclusions. It’s always best to review your policy with your OKFB Insurance agent to fully understand your coverage before letting someone borrow your vehicle.

Primary Coverage Limits

If an accident causes injuries or damages that exceed your auto insurance policy’s coverage limits, the borrowing driver’s auto policy could potentially be used as secondary coverage to help pay for costs beyond your insurance policy’s limits. Your OKFB Insurance agent can help you understand the auto limits on your policy so you know exactly how much coverage you have.

While your car insurance likely covers other drivers, it’s essential to understand the nuances of your policy. We’re here to help you navigate these complexities and ensure you have the right coverage for your needs. Don’t hesitate to reach out to your local agent with any questions or concerns about your auto insurance policy! 

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your home, auto, commercial and life insurance needs.

Don’t forget to follow us on social! This kind of information and more is just a click away. You can find us on Facebook, Instagram and LinkedIn.

6 Key Factors That Can Influence Your Auto Insurance Premiums

Ever wondered how your auto insurance premiums are calculated? The truth is, several factors come into play when determining your rates. Understanding these factors can help you make informed decisions about your coverage and potentially save money. Keep reading for six key elements that can affect your auto insurance premiums!

Where You Live (and Park)

Where you live (and park) plays a significant role in determining your insurance rate. Companies consider local demographics, including crime rates, theft and vandalism statistics, population density, and even weather patterns. Urban areas with higher crime rates or regions prone to severe weather events may see higher premiums due to increased risk.

How Much You Drive

When you applied for an auto policy, you were likely asked about your average annual mileage. Simply put, the more you drive, the higher your chances of being involved in an accident, which is why high-mileage drivers often have higher premiums than those who drive less frequently.

What You Drive

The make and model of your car, along with its engine size and theft rating, can significantly impact your insurance costs. Expensive cars, those with powerful engines, or models that are frequently targeted by thieves may cost more to insure. Something to think about when buying or leasing a new car! 

Your Driving Record

One of the biggest factors affecting your auto insurance premiums is your driving record. A safe driving history with no accidents or traffic violations can lead to lower rates, while a poor driving record with multiple incidents can result in higher premiums. It all comes down to risk, which is why insurance companies typically view drivers with a safe driving history less risky. 

Your Age

Age plays a role in determining insurance rates, particularly for younger and older drivers. Younger drivers, typically those under 25, often face higher premiums due to their lack of experience behind the wheel. That said, once drivers get older, like in their mid-70s, they may see an increase in rates again due to age-related risk factors.

Your Deductible

The amount of your deductible, the out-of-pocket expense you agree to pay before your insurance coverage kicks in, can be adjusted based on your preference. Opting for a higher deductible can lower your premium but means you’ll pay more out of pocket if you need to file a claim. 

Understanding these factors can help you make informed decisions about your auto insurance. At OKFB Insurance, we’re committed to helping you find the right coverage. Contact your local agent to review your policy or get an instant auto quote

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your home, auto, commercial and life insurance needs.

Don’t forget to follow us on social! This kind of information and more is just a click away. You can find us on Facebook, Instagram and LinkedIn.