What is Auto Insurance?

Auto insurance helps you to protect you and your family against financial loss in the event of an accident or other cause of loss. It covers the injuries and damages caused by an accident and for which you are legally responsible. It may also cover the costs of repairing or replacing your vehicle if it is damaged or stolen.

Lawton Car InsuranceWhat if I don't have car insurance?

In most states, you're required to carry a minimum amount of liability insurance (or post a bond) and also provide proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without car insurance, you may have to pay a large fine, have your driver's license suspended, and/or have your car impounded. Contact us today to find out what the specific requirements are in Oklahoma for car insurance quotes


How much Auto insurance coverage should I purchase?

The required minimum coverage may not be enough to pay for all the damages that result from an accident, and the legally responsible driver will have to pay the additional expenses out of pocket. You may want to speak with an agent to discuss the best auto insurance coverage for your needs and budget.

How can I keep my auto premiums down?

Generally, the longer you drive without major citations or accidents, the lower your premium will be. You may also qualify for discounts based on safety features on your vehicle. A.D.Young Insurance Agency also offers an Annual Policy which keeps your rates stable for the entire year. We calculate your insurance costs for the year, and you don't have to worry about changes for a whole 12 months. Furthermore, with our Flex Program you can lock in your base rates, and qualify for accident forgiveness for up to 3 years. Also, if you insure additional cars or your home you can save on all your premiums. For further information, contact A.D.Young Insurance Agency at 580-512-6403 or click here to send Aaron an email.

Why should I insure my car with A.D.Young Insurance Agency?

With Aaron Young, you get a local professional agent who can offer you insurance coverage to meet your auto, home, life and small business insurance needs, simplifying your life and enabling you to save with multi-line discounts. Aaron can talk to you about which discounts you may be eligible for, and he is committed to serving the needs of his customers, with unparalleled customer and claims service.

Available Auto Insurance Discounts

You may be eligible for a variety of auto insurance discounts. To find out what's available, contact us today. We currently offers discounts for:

  • Occupational Groups (Doctors, RNs, Dentists, Teachers, Police, Firefighters etc...)
  • Retired Professionals
  • Homeowners
  • New Parents
  • Good Students
  • Teens
  • Air Bags
  • Two or More Automobiles
  • And more!

Personal Umbrella Insurance

In addition to required liability coverage, you may elect to purchase a personal liability umbrella policy. Umbrella policies act like an umbrella and supplement the liability coverage you already have on your auto and homeowners policies, providing an extra layer of coverage. It is used for catastrophic losses or when primary liability insurance is exhausted. (Your auto policy must have certain limits in order for you to qualify for an umbrella policy).

Emergency Roadside Assistance

This provides 24/7 access to roadside assistance in the event your car breaks down. Not only does this program provide towing to the nearest qualified repair facility, but it also offers locksmith services, battery "jump start", and other repairs performed right where your vehicle breaks down.

Lawton Car InsuranceWindshield Glass Repair Service

Our FASGLAS Glass Program, is a national program with over 12,000 participating independently owned and operated glass shops that provide timely and professional auto and home glass replacement and repair services.

You can decide whether or not you want to select a FASGLAS® program shop or use a shop of your own choosing. If you choose FASGLAS® we will then link you directly with a FASGLAS® vendor who will arrange to provide repairs at one of their local glass shops or send a qualified glass replacement/repair technician directly to your home or work, whichever is convenient for you. You pay only your deductible. The remainder is billed directly to us.

Customers participating in this program receive a warranty from the glass service provider. We will stand behind the warranty offered by the glass service provider if you're not satisfied with the quality of work performed.

Car Rental Reimbursement

Our Auto Rental Service is a program that quickly provides a rental vehicle for your use after an accident. This network of pre-screened, nationally-known rental car companies provide free pickup and delivery. Auto Rental Service provides service for customers and other parties in an accident for which we have accepted responsibility.

Extended Customized Equipment Coverage

We can also provide coverage for optional equipment not permanently installed in the dash of your car, and for theft of items such as tapes, discs or other equipment designed for the reproduction of sound. If you're thinking about adding equipment to your present vehicle, contact your local agent.

Types of Auto Insurance Coverage

Liability Insurance

Liability insurance coverage helps you to protect you and your family against financial loss arising from legal liability associated with bodily injury or property damage of another due to an accident you cause. Most states require you to carry a minimum amount of liability insurance coverage, or post a bond, before you can register your vehicle or obtain a driver's license.

• Bodily Injury Bodily Injury coverage covers the expenses associated with other people's injuries or death for which you are legally responsible. Coverage includes medical expenses, loss of income and pain and suffering. These coverage's are subject to the limits and conditions of your policy. Most states require drivers to carry Bodily Injury coverage. • Property Damage

Following an accident for which you are legally responsible, Property Damage covers your liability for damaging another person's personal property, such as an automobile, house or fence.

Collision Coverage

Collision coverage covers the damage to your vehicle resulting from a collision with another vehicle or object. Generally, the coverage reimburses you the amount needed to repair or replace your damaged vehicle, minus the deductible you select. This coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.

Comprehensive Coverage

Comprehensive coverage protects your investment in your vehicle by covering losses to the car resulting from fire, theft, falling objects, riots, storms, earthquakes, floods, and collision with a bird or animal. Like Collision coverage, Comprehensive coverage generally includes a deductible which you select. Comprehensive coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.

• Customized Equipment Coverage Under the Comprehensive and Collision portion of your auto insurance policy, optional equipment (a CD player or navigation system) is automatically covered if it is permanently installed in the opening of the dash where the manufacturer would normally install such equipment.

Medical Payments

This coverage pays medical bills and funeral expenses for you or a passenger injured in an accident while riding in your vehicle. Coverage extends to you or a family member when riding as a passenger in someone else's vehicle or when struck by a vehicle when on foot. Costs are covered up to the amount specified by the policy. Fault or No-Fault

If you live in a no-fault state, your own insurance company indemnifies you for any loss or injuries to you, no matter who causes the accident. In general, no-fault can limit your right to sue to recover damages. Also, Personal Injury Protection (PIP) is generally required in no-fault states. PIP covers a broader range of medical costs than standard Medical Payments coverage. It covers lost wages and the replacement of the services of someone injured in a covered accident. In states other than no-fault, the person at fault in the accident pays and may be indemnified by the insurance company. With a fault system, your right to sue is not restricted (nor is the other party's right to sue you). To find out more, contact us today. It may be a statute not a regulation and an agent cannot comment on the law.

Uninsured/Underinsured Motorist Coverage

Uninsured Motorist coverage covers you, insured members of your household and your passengers in an accident with a motorist who has no insurance or is underinsured. It also provides coverage if you're hit by a hit-and-run driver and applies to you and the insured members of your household, even as pedestrians. Coverage includes payment of medical costs, lost wages and pain and suffering. It is required in many states. This coverage typically covers any difference between what the other at fault driver's insurance covers and the costs of your bodily injuries, up to the limits of the policy.

Contact Aaron for more information.

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Collectible Auto Insurance

You've poured time, effort and a lot of money into your collectible auto. It's not just a hobby, it's your passion. When you're cruising those beautiful country roads, the last thing you want to worry about is if you have the right insurance policy.

Types of Coverage

A.D.Young Insurance Agency offers collectible auto insurance through Foremost, the national leader in specialty insurance. Collectible Autos aren't standard vehicles - and that's why specialty insurance is so important. From Classics to Modifieds, we know your car and we want to help you get the coverage you want. We cover all types of Collectible Autos, including:

  • Antiques
  • Muscle Cars
  • Exotics
  • Replicars
  • Woodies
  • Foreign and Domestic Sports Cars
  • Modifieds
  • Customs
  • Kit Cars
  • Classics
  • Hot Rods
  • Any More!

Available with Collectible Auto Insurance

Multi-Vehicle discount-Receive a discount when you insure more than one collectible car. Policy discounts vary by state and chances are one or more will apply to your policy. Please contact Aaron Young to see what specific discounts are available in your area. Agreed Value Coverage Prior to issuing your policy, you and your agent come to an "agreed value" for your vehicle. In the event that there is a total loss to your vehicle, the "agreed value" is the amount you will receive without subtracting a deductible.

Optional Service Coverages

Spare Parts Coverage: Up to $250 in spare parts, covered at no additional cost. No Attendance Clause: Unlike other collectible auto insurers, Foremost doesn't require an attendance clause for loss settlement. That means you can bring your car to a classic car show and not have to worry about a loss while you're away from your collectible enjoying the show.

What to Look For in a Collectible Auto Insurance Policy

If you own an antique/classic, or modified automobile, you know it's more than just another car. You may want to look for specialized coverages that aren't always available under standard automobile policies. Coverages that are as special as your collectible auto. Including:

  • Customized Policies – Your insurance carrier should allow you to choose the coverages that are right for you.
  • No Deductible – Your insurance carrier should not require a deductible on your collectible auto
  • No Mileage Limitation – Your insurance carrier should not deny you coverage in the case of a covered loss because of miles driven.