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Commercial Auto Insurance Let us help you! Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car. ​ Hired/Non-owned Auto Liability Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy . ​ Use of Personal Vehicles Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even when it's a business such as selling cosmetics, jewelry, or pizza delivery. ​ Every business is unique – talk to 3iG today to find out how to get the best business auto insurance, service, price and value.

Auto Insurance Let us help you! The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. ​ An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs. ​ How much auto insurance is right for you? ​ Our team of insurance professionals understands the Oklahoma car insurance needs of our customers. ​ Auto insurance requirements vary by state. In some states, to drive you must carry: Liability coverage to pay for losses you cause others No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault Both liability and no-fault coverage. ​ We write insurance in Oklahoma and would be happy to help you ensure you have the right car insurance coverage. ​ Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes: Collision Insurance Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost. Comprehensive Insurance (Other than Collision) Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed. ​ Every person is unique – talk to us today to find out how to get the best price and value on Oklahoma City car insurance for you.

Umbrella Insurance Let us help you! To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy. What’s Peace of Mind Worth to You? An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home , auto , or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered. Do You Have Enough Liability Insurance? Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings. Liability Insurance Starts When the Others Stop Once the liability limits are exhausted on your home , auto , or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with 3iG to determine the right amount of coverage for your needs. Broad Coverages An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid. The right coverage for you is unique. Talk to us today to find out how to protect yourself, your family, and your future with the right personal umbrella insurance for you.

Long Term Care Insurance Let us help you! Today, the cost of nursing homes and elderly care is continuing to rise. If you plan now, you can provide you and your family with the coverage you need to protect your assets and maintain financial security that you may need later in life. In general, if you can't perform daily activities because of impairment as a result of chronic illness or disability, you will need long term care provided by sources such as home health aides, assisted living centers, or nursing homes. Long Term Care Insurance Do I need long-term care insurance? Health insurance rarely pays for the cost of long-term care and Medicare usually doesn't cover custodial care. Medicaid is a program that pays for medical and long-term care expenses for those who meet certain income and asset guidelines. In addition, if you have financial security, you may not need long-term care insurance. Many suggest paying for long-term care coverage as the expenses arise, while others don't want to have to spend down their savings to pay for long term care. If you realize you may not qualify for Medicaid and won't have the financial means to cover all your expenses, long-term care insurance offers peace of mind for you and your family. Some experts have given tips to help you decide whether to purchase long-term care insurance. If the following statements describe you, long-term care insurance may be a good fit for you and your family: You can afford the cost of the monthly premiums and can still afford the cost if there is an increase in premiums in the future. Your assets average more than $80K and your annual income averages at least $35K. Most companies will only write long-term care policies to individuals between the ages of 40 and 84. These are only guidelines and not rules for obtaining long-term care insurance, and you will need to consult your agent on the policies, details, and requirements. Give us a call today to discuss your options!

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Dental & Vision Insurance Let us help you! Do you need dental and vision insurance for yourself and your family? Maybe you are a small-business owner who wants to protect your family’s oral health. Perhaps you work for a company that doesn’t provide affordable vision coverage for your dependents. 3000 Insurance Group, a local, independent insurance agency, partners with several top insurance carriers to provide coverage options for Oklahoma individuals and families. ​ Affordable Dental Insurance Good dental hygiene and proper oral care have been linked to overall health in a number of studies. The right dental insurance can help you afford regular cleanings and critical dental care for yourself and your children. Most dental plans will provide routine cleanings at no extra charge, and some plans can help you choose the dentist that is right for you and your family. Since individuals with dental insurance are more than twice as likely to schedule regular dental checkups, can you afford not to purchase this important coverage? ​ Affordable Vision Insurance Vision is one of the most precious gifts humans are given. We use our eyes to learn in school and to perform our jobs as well as to complete household tasks. If your employer doesn’t provide vision coverage for your entire family, consider the individual and family vision coverage options available through 3000 Insurance Group. You can choose different coverage options based on your personal needs: Free or discounted routine checkups Free or discounted lenses Discounted frames Free or discounted corrective surgeries Vision problems can be a source of chronic headaches. An inability to see well can cause problems at school and work. Protect your family’s vision today with a vision insurance package. We work for you, not for some big, national chain. Let us help you find the right individual or family coverage for your dental and vision needs. Give us a call today to learn about your options!