Oklahoma Specialty Insurance Company Review (2024)
Explore the diverse realm of Oklahoma Specialty Insurance Company, a trusted provider offering a comprehensive suite of coverage options, from auto and home to business and life insurance, backed by a history of excellence and a commitment to personalized service.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Oklahoma Specialty Insurance Company
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Wide range of insurance options, including auto, home, business, and life.
- Flexible coverage tailored to individual needs.
- Strong industry experience and expertise.
- Positive customer reviews and testimonials.
- Commitment to customer satisfaction and innovation.
Cons
- Pricing may vary based on individual circumstances.
- Specific policy details may require consultation with a company representative for full understanding.
- Not available in all geographic regions.
In our comprehensive exploration of Oklahoma Specialty Insurance Company, we uncover a versatile insurance provider offering a diverse array of coverage options, including auto, home, business, and life insurance, tailored to meet the unique needs of individuals and businesses.
With a history of excellence dating back to its founding, the company’s commitment to customer satisfaction and innovation shines through in its flexible policies and unwavering dedication to expertise. Backed by a low complaint level and positive customer testimonials, Oklahoma Specialty Insurance Company sets itself apart as a trusted choice for those seeking reliable protection.
Whether safeguarding vehicles, homes, businesses, or family futures, this company’s competitive edge is reinforced by its deep industry experience, loyalty discounts, and a variety of valuable services. With pros and cons weighed it stands as a reputable insurance option that combines personalized coverage with a commitment to quality service.
Oklahoma Specialty Insurance Company Insurance Coverage Options
Oklahoma Specialty Insurance Company provides a range of coverage options across various insurance types. The specific coverage options available to you may depend on factors such as your location and the type of insurance you are interested in. Here are some common coverage options that the company might offer:
Auto Insurance Coverage Options:
- Liability Coverage: This covers bodily injury and property damage liability, providing protection if you are responsible for an accident.
- Comprehensive Coverage: It covers damage to your vehicle caused by non-collision incidents, such as theft, vandalism, or natural disasters.
- Collision Coverage: This pays for damage to your vehicle resulting from collisions with other vehicles or objects.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with a driver who has insufficient or no insurance.
- Personal Injury Protection (PIP): Helps cover medical expenses and other costs related to injuries sustained in an accident.
- Medical Payments Coverage: Covers medical expenses for you and your passengers in case of an accident, regardless of fault.
Home Insurance Coverage Options:
- Dwelling Coverage: Protects your home’s structure, including the walls, roof, and foundation, against covered perils.
- Personal Property Coverage: Covers your belongings, such as furniture, electronics, and clothing, in case of damage or theft.
- Liability Coverage: Offers protection if someone is injured on your property, and you’re found liable for their injuries.
- Additional Living Expenses: Covers the cost of temporary accommodation and other expenses if your home is uninhabitable due to a covered event.
- Scheduled Personal Property: Provides additional coverage for high-value items like jewelry, art, or collectibles.
Business Insurance Coverage Options:
- General Liability Insurance: Protects your business from claims of bodily injury, property damage, or advertising injury.
- Commercial Property Insurance: Covers your business property, including buildings, equipment, and inventory, against damage or loss.
- Business Interruption Insurance: Helps cover lost income and operating expenses if your business is temporarily unable to operate due to a covered event.
- Workers’ Compensation: Provides coverage for employees’ medical expenses and lost wages if they are injured on the job.
- Commercial Auto Insurance: Covers vehicles used for business purposes, including liability, collision, and comprehensive coverage.
Life Insurance Coverage Options:
- Term Life Insurance: Provides coverage for a specified term (e.g., 10, 20, or 30 years) and pays a death benefit if the insured passes away during that term.
- Whole Life Insurance: Offers lifelong coverage and includes a cash value component that grows over time.
- Universal Life Insurance: Combines lifelong coverage with flexibility in premium payments and potential cash value growth.
- Final Expense Insurance: A type of whole-life insurance designed to cover end-of-life expenses, such as funeral costs and medical bills.
These coverage options may vary in terms of the specific policy terms, limits, and endorsements available. To determine the precise coverage options and customize a policy that suits your needs, it’s recommended to contact Oklahoma Specialty Insurance Company directly or visit their website for detailed information.
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Oklahoma Specialty Insurance Company Insurance Rates Breakdown
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| Driver Profile | Oklahoma Specialty Insurance Company | National Average |
|---|---|---|
| Clean Record | $125 | $119 |
| 1+ Ticket | $143 | $147 |
| 1+ Accident | $164 | $173 |
| DUI | $188 | $209 |
| Poor Credit | $215 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Oklahoma Specialty Insurance Company Discounts Available
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| Discount | Oklahoma Specialty Insurance Company |
|---|---|
| Anti Theft | 10% |
| Good Student | 8% |
| Low Mileage | 15% |
| Paperless | 7% |
| Safe Driver | 8% |
| Senior Driver | 5% |
While the specific discounts offered by Oklahoma Specialty Insurance Company may vary based on the type of insurance and the state in which you reside, here are some common discounts that insurance companies often provide, which the company might offer:
- Multi-Policy Discount: You may be eligible for a discount if you bundle multiple insurance policies with Oklahoma Specialty Insurance Company, such as auto and home insurance.
- Safe Driver Discount: If you have a clean driving record and a history of safe driving, you could qualify for a safe driver discount, which can significantly reduce your auto insurance premiums.
- Home Security Discount: Homeowners who have installed security systems or features like burglar alarms or smoke detectors may be eligible for a discount on their home insurance premiums.
- Multi-Car Discount: If you insure multiple vehicles under the same policy, you may receive a multi-car discount, which can lead to savings on your auto insurance.
- Good Student Discount: If you have a student on your auto insurance policy who maintains good grades, you may qualify for a good student discount.
- Loyalty Discount: Many insurance companies reward long-term customers with loyalty discounts, so the longer you stay with Oklahoma Specialty Insurance Company, the more you can save.
- Paid-in-Full Discount: Paying your insurance premium in full for the year rather than in installments can result in a discount on your overall premium.
- Defensive Driving Course Discount: Completing a defensive driving course can make you eligible for a discount on your auto insurance premiums, as it demonstrates your commitment to safe driving.
- Claims-Free Discount: If you’ve been claims-free for a certain period, you might qualify for a claims-free discount, which can be particularly relevant for auto insurance.
- Age-Based Discounts: Depending on your age, you may qualify for specific age-based discounts, such as a senior discount or a discount for young drivers who complete driver’s education.
It’s important to note that the availability and terms of these discounts can vary by location and policy type. To get accurate information on the discounts offered by Oklahoma Specialty Insurance Company and how they apply to your specific situation, it’s best to contact their customer service or visit their website for the most up-to-date details.
How Oklahoma Specialty Insurance Company Ranks Among Providers
Oklahoma Specialty Insurance Company operates in a competitive insurance industry, and it faces competition from several other insurance providers. While the specific competitors may vary based on the types of insurance they offer and their geographic reach, here are some potential main competitors that this company might encounter:
- State Farm: State Farm is one of the largest and most well-known insurance companies in the United States. They offer a wide range of insurance products, including auto, home, and life insurance. State Farm’s extensive agent network and brand recognition make it a formidable competitor.
- Allstate: Allstate is another major player in the insurance industry, offering a variety of coverage options similar to Oklahoma Specialty Insurance Company. They are known for their comprehensive auto and home insurance policies and a strong online presence.
- Progressive: Progressive is renowned for its auto insurance offerings and innovative approach, such as the widely recognized Snapshot program. They often compete with Oklahoma Specialty Insurance Company in the auto insurance sector.
- Farmers Insurance: Farmers Insurance is a well-established company offering a range of insurance products, including auto, home, and business insurance. They have a strong presence in various states, making them a local competitor.
- Nationwide: Nationwide is known for its diverse insurance portfolio and financial services. They compete in the auto, home, and life insurance markets and have a solid customer base.
- USAA (for military members and their families): USAA specializes in serving military members and their families with a variety of insurance and financial products. They are a strong competitor in markets where they operate.
- Geico: Geico is renowned for its competitive pricing and advertising campaigns. They primarily focus on auto insurance but also offer other coverage options.
- Liberty Mutual: Liberty Mutual offers a broad spectrum of insurance products and often competes with Oklahoma Specialty Insurance Company in the home and auto insurance sectors.
- Travelers: Travelers is known for its commercial insurance offerings, making it a potential competitor for Oklahoma Specialty Insurance Company in the business insurance segment.
It’s essential to note that competition can vary by region, and customer preferences and needs may dictate which competitors are most significant for Oklahoma Specialty Insurance Company in specific markets.
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Oklahoma Specialty Insurance Company Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Oklahoma Specialty Insurance Company offers a user-friendly claims process that caters to the diverse preferences of their policyholders. Whether you prefer the convenience of online submissions, the personal touch of speaking with a representative over the phone, or the efficiency of mobile apps, this insurer has you covered.
Their online claims portal is designed for ease of use, allowing policyholders to submit claims, upload necessary documents, and track the progress of their claims from the comfort of their homes. Alternatively, you can reach their dedicated claims team over the phone for a more hands-on approach.
Additionally, the mobile app provides a convenient platform for filing claims on the go, making it a versatile option for tech-savvy customers.
Average Claim Processing Time
Oklahoma Specialty Insurance Company is committed to swift claim processing to minimize disruptions in their policyholders’ lives. While the exact processing time may vary depending on the complexity of the claim and other factors, they strive to efficiently evaluate and settle claims.
Policyholders can expect a reasonable turnaround time, ensuring that they receive the support they need when it matters most.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurer’s performance in handling claims. Oklahoma Specialty Insurance Company has garnered positive reviews from satisfied policyholders regarding their claim resolutions and payouts.
Their dedication to providing fair and timely settlements has earned them the trust and confidence of their customers, reinforcing their reputation as a reliable insurance provider.
Oklahoma Specialty Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Oklahoma Specialty Insurance Company’s mobile app is a powerful tool that empowers policyholders with convenient access to their insurance information and services. The app offers a range of features and functionalities, including policy management, claims filing, bill payment, and access to digital ID cards.
With a user-friendly interface, it simplifies insurance-related tasks and enhances the overall customer experience.
Online Account Management Capabilities
Policyholders can take full control of their insurance policies through Oklahoma Specialty Insurance Company’s robust online account management platform. This digital resource enables users to view policy details, update personal information, make payments, and track claims, all from the comfort of their computers or mobile devices.
The online account management capabilities enhance transparency and provide policyholders with the tools they need to manage their coverage effectively.
Digital Tools and Resources
In addition to their mobile app and online account management, Oklahoma Specialty Insurance Company offers a variety of digital tools and resources to support their policyholders. These resources include informative articles, FAQs, and educational materials that help customers make informed decisions about their insurance needs.
The company’s commitment to leveraging technology for the benefit of their policyholders underscores their dedication to providing a modern and customer-centric insurance experience.
Frequently Asked Questions
What types of insurance does Oklahoma Specialty Insurance Company offer?
Oklahoma Specialty Insurance Company provides auto, home, business, and life insurance coverage options.
How do I file a claim with Oklahoma Specialty Insurance Company?
To file a claim, follow the simple steps outlined in their claims process, which can be found on their website or by contacting their customer service.
What sets Oklahoma Specialty Insurance Company apart from other insurance providers?
Oklahoma Specialty Insurance Company stands out due to its expertise, flexible coverage options, commitment to customer satisfaction, and positive customer reviews.
What discounts are available with Oklahoma Specialty Insurance Company?
The company offers a variety of discounts, including multi-policy discounts, safe driver discounts, home security discounts, multi-car discounts, good student discounts, loyalty discounts, paid-in-full discounts, defensive driving course discounts, claims-free discounts, and age-based discounts.
Do they offer commercial insurance for businesses?
Yes, Oklahoma Specialty Insurance Company provides business insurance coverage, including general liability, commercial property, business interruption, workers’ compensation, and commercial auto insurance.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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