Oklahoma Auto Insurance

What makes our Oklahoma Auto Insurance so unique?

When you choose Lynnae Insurance Group for your auto insurance in Oklahoma City, you get the personalized service of an agent right here in the local area, with all the conveniences of an online company! With benefits such as ANPAC’s online account access, CA$HBACK from ANPAC, Common Cause of Loss Deductible, it’s not hard to see why thousands of Oklahoman families trust with Lynnae Insurance Group and ANPAC with their Oklahoma City auto insurance.

Your Auto Policy Features

5-Star Claims Service

Our clients say it best – 96% of all ANPAC customers who responded to the closed claim survey said they would recommend ANPAC to a friend.

Free Rental Car Reimbursement

While most companies charge for rental car coverage, we automatically include it in your ANPAC insurance policy at no extra charge!

Easy Policy Transfer

Setting up your new policy is incredibly easy with the Easy Policy Transfer. We can handle everything from setting up the new policy to cancelling your old policy.

Policy Discounts

From Multi-Policy, to Good Student, we have many discounts to help you get the best possible auto insurance rate!

Online Account Access

Print ID Cards, pay a bill, even file a claim, all from the comforts of your home.

Ca$hback From Anpac

Remain claim-free for three consecutive years, and receive a 25% refund of your first years annual home and auto premium. This benefit continues every year that you remain claim free.

Common Loss Deductible

When a hail storm damages your home and auto, you save money by only paying one deductible – the second (and third) deductible is on us!

Annual Policy Review

Schedule a time to review coverages, discounts, and deductibles to make sure your policy fits you perfectly.

Personalized Approach

Oklahoma auto insurance is different than any other state. With claims ranging from hail storms to ice storms we see all! This requires the experience of a local Oklahoma agent like Mike and Jill Kahn to guide you through the complexities of auto insurance in Oklahoma.

Available Discounts

Multi-Policy Discount

Combining your home and auto insurance policies with ANPAC not only gives you the unique CASHBACK and Common Cause of Loss programs, you will also receive a discount on your homeowners insurance of 30%. Learn More »

Multi-Car Discount

Combine all of your vehicles on your ANPAC auto policy and receive a discount up to 25%. Learn More »

Tri-Line Coverage Discount

Requirements: Home + Auto + qualifying Life Policy
Policies: Home, Auto, Boat, Classic Car, Motorcycle

Benefits Express Discount

Talk to your employer about signing up for the free Benefits Express program and receive a 10% discount on your auto insurance. Learn more »

Comprehensive Claim-free Discount

Not having a comprehensive coverage claim in the prior 3-5 years is rewarded by a 15% discount while 6 or more years is worth a 30% discount. Learn more »

Preferred Automobile Customer

Being continuously insured is rewarded. Three – five years receives a 10-25% discount, AND, 6 or more years receives 15-25% discount. In addition to the discounts available with PAC, financially responsible insureds can receive even more benefits with up to 36% of additional discounts available. Learn more »

Achieve a 3.0 GPA, or a top 10% in class ranking, and receive a significant discount on your auto insurance premiums. Learn More »

Are you an Oklahoma resident with questions about auto insurance?
Great! We have answers.

How much liability coverage do I need?

Unfortunately there is not a simple answer to this question, but understanding this coverage may shed some light on how much you may feel comfortable with. In laymen’s terms, auto liability coverage pays for medical bills, disability income, and pain and suffering to individuals in an accident that you are liable for. Your insurance company will pay the claimants in the accident up to your limit of coverage. If this limit of coverage is not enough, the claimants have the right to sue you personally. This is why at Lynnae Insurance Agency, we recommend no less that $100,000/$300,000/$100,000 in auto liability coverage. In households that are have assets that need further protection from a lawsuit, we recommend $250,000/$500,000/$250,000, or in some cases we will recommend adding an Umbrella coverage to increase your protect by $1,000,000.

Should I keep full coverage?

As with many questions regarding Oklahoma auto insurance, this one is a personal preference. There is no set point when we recommend to remove full coverage on a car. For many people, the cost of keeping full coverage is worth the piece of mind knowing they have some coverage on their old car. In saying this, a vehicle will reach a point that it does become less economical to keep full coverage but this number varies per situation. For instance, if you have an excellent driving record and the full replacement aspect of your policy is only $15 a month for a $4,000 car, then it may be recommended to keep the coverage. On the other hand, if you are a young driver and the full coverage aspect is $60 a month for the $4,000 vehicle, than a case can easily be made to remove this coverage. Each situation should be evaluated by your Oklahoma insurance agent to make the best determination.

Oklahoma Liability Coverage

When speaking of Oklahoma liability coverage limits, many people will refer to them as a group of numbers – 100/300/100 or you may see 250/500/100. So what does this mean? With many insurance companies, your auto liability coverage’s are broken down into three different category limits – Liability coverage for each person in the accident, Liability coverage for the entire accident, and the coverage paid for property damage. In the example of 100/300/100, you have $100,000 in liability coverage (medical bills, disability, and pain and suffering) for each person in the accident, 300,000 for the entire accident liability (in case more than one person is hurt), and an additional $100,000 to pay for any property that was damaged.

Oklahoma Permit License

When your child has a permit license, we do not need to rate them to the policy. It is a good idea to notify us of the change so that we can add them as a member of the household. Once they get their full driver’s license, it is imperative that you add them to your policy within 30 days, otherwise you run the risk of denial of coverage.