AUTO INSURANCE

We know a car isn't just a mode of transportation to get you from one place to another. In some cases, it's part of your livelihood. In others, it drops your kids off at soccer practice. It even helps haul livestock for your ranch. Your car isn't just four wheels, some doors and an engine. It's where life happens on a daily basis. Maybe you have a farm pickup, minivan or luxury sedan. Whatever you have in the garage, protect it with AFR Insurance. From road trips to grocery store runs, our policies provide daily protection for you and your car.

Auto policies provide protection for you and your vehicle when an accident occurs. Policies cover liability, medical expense, physical damage and uninsured motorists.

COVERAGES

BODILY INJURY & PROPERTY DAMAGE LIABILITY

Covers liability for damages because injury and/or damage to property of another person caused by an accident.

COLLISION COVERAGE

Covers damage, caused by collision, to an owned automobile or non-owned auto at actual cash value and does not cover any decrease in value of the vehicle after it is repaired.

COMPREHENSIVE COVERAGE

Covers damage, other than collision, to an owned automobile or non-owned automobile, as defined in the policy, at actual cash value, if caused by certain named perils other than collision. The maximum amount of coverage is the actual cash value of the insured vehicle and does not cover any decrease in value of the vehicles after repairs are made.

UNINSURED MOTORIST

Covers damages an uninsured motorist is legally entitled to recover for bodily injury or death in an accident from the owner or operator of an uninsured vehicle.

MEDICAL PAYMENTS

Covers medical-related expenses to treat injuries to a covered person and funeral expenses of a deceased covered person if the injury or death was caused by an accident.

TRANSPORTATION EXPENSE

Pays for alternative transportation in the event a vehicle insured under collision for comprehensive coverage suffers a covered loss.

FIRE, LIGHTNING, TRANSPORTATION, THEFT & COMBINED ADDN'L

Covers damage to or loss of an owned automobile or non-owned automobile caused by certain specified perils. Maximum amount payable is actual cash value without any payment for decrease in value of an insured vehicle after it is repaired. No deductible applies to this coverage, except a $25 deductible applied to loss caused by malicious mischief or vandalism.

DISCOUNTS

MULTI-POLICY DISCOUNT

Discount applied to policy if the named insured has an in-force homeowner or farmowner policy.

JUMP!START DISCOUNT*

Discount for new policyholders during their first 60 months with no at-fault accidents.

GOOD STUDENT DISCOUNT

Discount for full-time students attending high school, vocational school, college, or university and maintaining a 3.0 GPA.

EXPERIENCED DRIVER DISCOUNT

Discount for driver who has been continuously insured for at least 60 months and have no at-fault accidents in the previous 60 months.

PAID-IN-FULL DISCOUNT

Discount on your total policy premium, excluding membership dues, when your entire policy is paid on or before the effective date.

SAFE DRIVER DISCOUNT

Discount for drivers with no points on their record in the previous 36 months.

MULTI-CAR DISCOUNT

Discount for covering more than one automobile on the policy.

DRIVERS EDUCATION DISCOUNT

Discount for drivers under the age of 23 who have completed a school-taught drivers education course, have no more than 1 point on their record in the previous 36 months and have no at-fault accidents.

ACCIDENT PREVENTION DISCOUNT

Discount for drivers who have completed an eligible motor vehicle accident prevention course.

PAYMENT HISTORY DISCOUNT

Discount will be applied to policies that have no more than one fee in the previous twelve months. If a 22 month payment history is not available, the last 6 month period will be reviewed.

WHY CHOOSE AFR

EXPERIENCE

AFR Insurance has been serving Oklahomans since 1905. For over 100 years, we have worked to provide the best in class products and service. We are equipped to handle whatever life throws at you.

INTEGRITY

24/7 fast and fair claims service. We are here to help, no matter when trouble strikes. We make it easy to file a claim and get back on your feet.

CONNECT WITH US

Whether you are needing a quote, searching for more information, or checking out our social media, we would love to connect with you! We pride ourselves in being accessible and meeting people where they are, no matter what their needs are! Fill out the form below and we will get in touch with you soon!

FIND US ON SOCIAL MEDIA: AFR INSURANCE

DISCLOSURE

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, or declaration pages, which control coverage determination. Such terms may vary and exclusions may apply. Other discounts may be available on an individual basis. All policies are different and your policy may not qualify for all discounts listed.