Choosing auto insurance coverage is a complicated matter. Somehow it became common knowledge for consumers to ask their insurance agent for "Full Coverage," and that would take care of all their insurance needs. I am not sure where the term "full coverage" originated from, but I am not a fan of it. In the insurance industry, there is no such thing as "full coverage." The insurance company will always limit the amount of coverage they offer. So when someone asks me for "full coverage," all they are telling me is that they do not know what they need or want.
Oklahoma has one of the highest costs of insurance in the country. So it is not very surprising that most Oklahoman's are highly concerned about their premiums. What options are there for consumers besides shopping around or reducing their coverages for them to get lower insurance cost? How about increasing your insurance grade?!