Contact Us For A No Hassle Quick Quote

Auto Insurance

Why Auto Insurance is a Smart Choice

At the Josh Chapman Agency, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world...and these days, your needs may go well beyond “basic.”

That’s why we have spent years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, we go further, delivering the accessibility, convenience, and options you want, along with the personal touch of our experienced agents.

Types of Coverage

  • Liability Coverage

    There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license.If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them.

    Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.

  • Collision Coverage

    If you hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone pole, Collision Coverage helps pay for the damages to your car.

  • Comprehensive Coverage

    If your car is broken into, or dented in a hail storm, Comprehensive Coverage would help cover the losses to your car.

  • Uninsured Motorist

    Underinsured Motorist

    These days, about 1 in 8 are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.

  • Medical Payments

    If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.

  • Personal Injury Protection (PIP)

    PIP is similar to Medical Payments coverage, but it covers a wider range of costs. It can help pay for medical and rehabilitation expenses, work loss, funeral costs, and even replacement services.

    Many states require drivers to carry a minimum level of PIP coverage.

 

When deciding on your Auto insurance policy or making changes to your coverage, it’s important to understand what each option does, and how it would work if you ever needed it. Some coverages are required by your state, while others are extra options you may want to expand your coverage.

How you’d like to customize your Car insurance depends on your needs, budget, and the amount of coverage you want. Get an Auto insurance quote or work with us to choose the coverage combinations that provide the best Car insurance coverage at a price that fits your budget.

Customize Your Auto Insurance Policy With Plenty Of Coverage Options

We understand that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

That’s why our Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

Consider additional coverage optionsfooter note:

01

Accident Forgiveness

You're normally a great driver, but you just had your first claim in years and you're nervous about your rate changing. Well, if you have this option, don't worry! Farmers will forgive one accident for every three years you drive without one.footer note**

02

Incident Forgiveness

Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.footer note**

03

Farmers Rideshare

Insurance coverage for rideshare drivers doesn’t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

Make An Appointment
With A Team Member Now

Your Benefits

  • Personal Service
  • Annual Policy Reviews
  • Asset Protection Services
  • 24 / 7 Claims Service
  • Nationwide Service
  • Smart Home Discount

Signal

Mobile App

Even the best drivers develop a bad habit or two. Maybe you check your texts more frequently than you think...

Life Insurance

Life insurance is a great way to help prepare for life’s unexpected moments.

College Funding

  • 529 College Savings Plans
  • Coverdell Education Savings Accounts
  • UGMAs/UTMAs

Discounts

In Oklahoma, smart discounts shrink your rates without shortening your coverage. Learn about the different ways we help you save on great Auto insurance in Oklahoma.
  • Signal

    Mobile App

    Even the best drivers develop a bad habit or two. Maybe you check your texts more frequently than you think...

  • Life Insurance

    Life insurance is a great way to help prepare for life’s unexpected moments.

  • College Funding

    • 529 College Savings Plans
    • Coverdell Education Savings Accounts
    • UGMAs/UTMAs
  • Discounts

    In Oklahoma, smart discounts shrink your rates without shortening your coverage. Learn about the different ways we help you save on great Auto insurance in Oklahoma.

Our Most Visited Pages

Customer Reviews

Financial Services

Blog

Contact Us For A No Hassle Quick Quote