- Hours of Operation: Monday to Friday, 9:00 AM to 5:00 PM
Sandoval Insurance is an independent insurance agency that helps individuals, families, and businesses find coverage tailored to their needs by comparing multiple insurance carriers.
Sandoval Insurance is locally based and proudly serves clients both in-person and remotely.
We serve clients throughout Oklahoma and can assist remotely by phone, email, or online.
Sandoval Insurance has years of experience helping clients protect what matters most through personalized coverage solutions.
Yes. As an independent agency, we work with multiple carriers to find the best coverage and value for our clients.
We focus on education, transparency, and long-term relationships—not just selling policies.
Yes, we partner with a wide range of reputable insurance carriers.
Yes, all agents are fully licensed and trained according to state regulations.
Please contact us to confirm available language support.
You can contact us by phone, email, or through our website contact form.
You can request a quote by contacting us directly or submitting a quote request online.
Yes, our online quote request makes getting started quick and easy.
Most quotes are delivered within the same day, depending on the type of insurance.
This varies by policy type but may include personal details, property information, or driving history.
Yes, all insurance quotes are free and carry no obligation.
No, requesting a quote does not impact your credit score.
Yes, that is one of the key benefits of working with an independent agency.
Absolutely. We make sure you understand what you’re paying for.
Yes, bundling policies often results in discounts and simplified management.
We recommend reviewing your coverage annually or after major life changes.
Yes, we are happy to review your existing policy and suggest improvements.
We bind coverage, issue policy documents, and review next steps with you.
In many cases, yes—depending on the carrier and policy type.
Yes, we work with carriers that specialize in high-risk coverage.
Yes, we can help you transition smoothly at any time.
Auto insurance can cover liability, vehicle damage, medical expenses, and more.
It covers bodily injury and property damage you cause to others.
It covers non-collision damage such as theft, vandalism, or weather events.
They protect you if you’re hit by a driver with little or no insurance.
Yes, California requires minimum auto insurance coverage.
Coverage needs vary based on assets, driving habits, and risk tolerance.
Driving record, location, vehicle type, and coverage limits all play a role.
Yes, multi-vehicle policies often qualify for discounts.
Yes, we assist with SR-22 insurance requirements.
Special endorsements may be required for rideshare coverage.
Many policies do, but coverage can vary.
Ensure safety first, then contact us or your carrier to begin the claim process.
Claims can be filed through your carrier or with our assistance.
It depends on the type of claim and fault determination.
Coverage may extend to permissive drivers—check your policy.
Yes, drivers can be updated at any time.
Common discounts include bundling, safe driving, and good student discounts.
Yes, we offer coverage for classic and specialty vehicles.
A lapse can increase rates and limit carrier options.
It covers your home, belongings, liability, and additional living expenses.
It’s typically required by mortgage lenders.
It covers the structure of your home.
It protects your belongings inside the home.
It covers temporary living expenses if your home is uninhabitable.
It covers injuries or damage you’re legally responsible for.
Some are covered; others require separate policies.
Flood insurance requires a separate policy.
Earthquake coverage is separate in California.
Enough to fully rebuild your home and protect your assets.
Location, home age, construction type, and claims history.
Yes, bundling often reduces premiums.
Contact your carrier or Sandoval Insurance for assistance.
Document the damage and prevent further loss if safe.
Not always—it depends on claim type and frequency.
Yes, landlord policies are available.
Yes, we provide coverage designed for rental properties.
Some coverage exists, but endorsements may be needed.
At least once per year.
You may not receive full replacement cost after a loss.
It protects personal belongings and liability for renters.
It may be required by landlords.
Personal property, liability, and loss of use.
Enough to replace your belongings.
It is typically very affordable.
Yes, including theft outside the home.
Only if they are listed on the policy.
Yes, bundling is often available.
It covers the interior of your unit and personal belongings.
It works alongside HOA master policies.
Interior structure, belongings, liability, and loss of use.
No, individual coverage is still needed.
Contact your carrier or Sandoval Insurance.
Coverage limits, location, and claims history.
Yes, in most cases.
It provides financial protection for your beneficiaries.
To protect loved ones from financial hardship.
Term and permanent life insurance.
Coverage for a specific period of time.
Permanent coverage with cash value.
Based on income, debts, and family needs.
Until major financial obligations are met.
Age, health, lifestyle, and coverage amount.
Some policies require exams; others do not.
Yes, options are available.
Yes, juvenile policies are available.
Policies may lapse after a grace period.
Yes, at any time.
Beneficiaries receive a tax-advantaged payout.
Generally, payouts are not taxable.
Yes, it is commonly used for that purpose.
Additional coverage for accidental fatalities.
Yes, multiple policies are allowed.
After major life changes.
Contact the carrier or Sandoval Insurance for guidance.
It protects businesses from financial loss.
General liability, workers’ comp, professional liability, and more.
It covers bodily injury and property damage claims.
It covers employee injuries on the job.
Some coverages are legally required.
Depends on business size, industry, and risk.
Yes, that is one of the key benefits of working with an independent agency.
Yes, we specialize in small business coverage.
Yes, including required contractor coverages.
Yes, Business Owner Policies (BOPs) are available.
It covers errors and omissions claims.
Cyber liability coverage can be added.
Contact the carrier or Sandoval Insurance.
Yes, policies can be updated anytime.
Yes, certificates can be issued quickly.
Most carriers accept online, mail, and automatic payments.
Yes, through your carrier’s payment portal.
Many carriers offer flexible payment options.
Policies may cancel after a grace period.
Some carriers allow date adjustments.
Contact Sandoval Insurance for updates.
We can process changes upon request.
Yes, subject to carrier guidelines.
Refunds depend on the carrier and policy terms.
Policies renew annually unless changed.
You’ll be notified prior to renewal.
Yes, we regularly review renewal options.
Contact us, and we’ll provide copies.
Contact your carrier or Sandoval Insurance.
Yes, we advocate and assist throughout the process.
Timeframes vary depending on claim complexity.
Policy number, incident details, and documentation.
Either option works—we’re here to help.
We can help you review and appeal if needed.
Emergency claim numbers are provided by carriers.
Yes, we encourage yearly policy reviews.
You can leave reviews online or contact us directly.
Email, phone, and our website are the best options.
With years of experience and a dedication to excellent service, we work hard to find the best coverage options for our clients. Trust us to be your partner in navigating the complexities of insurance with ease and confidence.
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