(918) 272-1000(918) 272-1000
Toll Free
(877) 550-1001(877) 550-1001
(918) 396-1001(918) 396-1001
(918) 272-3180(918) 272-3180
8283 N Owasso Expy, Ste AOwasso, OK 74055

Office Hours:

8:30 AM - 6:00 PM
8:30 AM - 6:00 PM
8:30 AM - 6:00 PM
8:30 AM - 6:00 PM
8:30 AM - 6:00 PM
8:30 AM - 12:30 PM
Available 24/7 at (918) 272-1000
Other Locations:

About Michael D Watson - Owasso Insurance Agent

  • Animals
  • Athlete
  • Family
  • History Buff
  • Movie Buff
  • Music
  • Outdoor Activities
  • Photography
  • Power Sports
  • Self-Improvement
  • Sports Fan
  • Travel

In 1980 when I first began my career as an Allstate agent, one goal was to provide an extraordinary level of customer service. The entire staff at A GREAT RATE Ins. Agency understands and supports this philosophy because we realize that after the contract is signed and the check received our job is just beginning, not finished. That same business philosophy remains today as not only the foundation and vision but also the motto for our agency. So call today and let us show you what we mean by "There's more to A Great Rate than price!"

I’m proud to work with a company who’s been serving satisfied customers for over 80 years. Customers count on outstanding financial strength and superior claims service to help protect what they value most. Allstate delivers on their promise. In fact, their outstanding financial strength and superior claims service received an A+ (Superior) rating by A.M. Best. Quality service, strength and satisfaction – that’s something I’m glad to be a part of.

I’m committed to helping you protect not only what you have today, but to also prepare for tomorrow. I can help you understand how insurance is a part of your "safety net" and a cornerstone to your financial security. Together, we’ll work to evaluate your coverages and select flexible payment options that work for you.

    Civic Services
  • Board of Directors Owasso Education Foundation - Serving 19th year
  • Founding Member of Owasso Ambassador
  • Board of Directors Owasso Chamber of Commerce - Served 12 years
  • First Honorary Member - Partners In Prevention - Owasso Fire Department
  • Life Member - Owasso Historical Society
  • Tulsa, Owasso, Collinsville, Skiatook, Oolagah, Chamber of Commerce
  • Chamber Awards - Newcomer of the Year, Three Trailblazer, Spirit, Chairman's, & Member of the Year
  • Industry Services
  • Serves on Oklahoma Insurance Department's " C.E. Advisory Board"
  • Oklahoma 2006 Agent of the Year
  • Awards
  • Honor Ring-16 years
  • National Conference Award-7 years
  • Allstate Leader's Forum-2 years
  • Quality Agent-1 years
  • Circle of Champions-1 years
  • National Conference-1 years
  • Community Services
  • Allstate National Safety Leadership Award
  • Allstate Good Hands Award
  • Allstate Outstanding Community Service Award
  • VICA Employer of the Year Award
  • Owasso Economic Development Authority Spotlight Business Award
  • 30 Year Allstate Agency Affilation Recognition Plaque
  • 30+ Years of Service

Here to Help You

Connect With Us

Meet the Team

Terri Watson
Sales Agent
Senior Sales Agent and Agency Co Owner Terri Watson joined Michael's business in 1988 and became his partner for life making it a true family affair.
Elizabeth (Libby) Taylor
Sales Agent
Libby first joined Michael in 1990 and enhances her value to the agency by maintaining her Certified Insurance Counselor and Certified Insurance Service Representative Designations.
Ida Pearson
Sales Agent
Ida brought 2 years of Allstate product experience with her when she first joined the "Agency Team" in May 2011 after moving to Skiatook, Ok from Arkansas.
Brian Hinshaw
Personal Financial Representative
Brian assists customers with the agency's portfolio of financial products including Retirement and Life insurance options. He also offers business and individual products.
Chad Watson
Marketing & Administrative Assistants
Chad & Cory are Michael and Terri's twin boys who help out with many marketing campaigns and community involvement events that A Great Rate Ins. Agency participates. They have served as Vince & Larry the Crash Dummies, McGruff the Crime Fighting Dog, and assisted in Partners In Prevention projects that the agency has spearheaded in many of the communities it serves. Other "Partners" the twins coordinate with include police, fire, sheriff depts., MADD, OHP, and OKHighway Safety Commission.
Cory Watson
Marketing & Administrative Assistants
In the previous picture Chad, in red and Cory in blue are passing out red delicious apples at a Back To School Appreciation Reception. In the picture above the twins are Crash Dummies Vince and Larry at a "Partners In Prevention" project. Working as the organizing sponsor, we helped secure a "Fire Simulation Home" where kids took a learning tour and then had to escape once the smoke started. We also provided parents with their child's fingerprints conducted by local law officer and a DNA Kit.
Chrysty Sanz
Business Development & Sales Associate
Chrysty is the newest member of the A Great Rate Team. She brings a wealth of knowledge and experience to the Agency having spent a total of five years in the industry, two of which were with Corporate Management as an Agency Process Specialist (APS). Chrysty joined the agency in September of 2015 and plays a vital role in keeping the agency on the cutting edge with social media and is fast becoming the Agency's face in the community. She is a member of the Owasso Ambassadors and also works on projects with in all the communities the agency serves.

Request An Appointment

Want to request an appointment for a call or visit? Use the calendar to pick the date you'd like to visit and then choose a time. While we can't guarantee agency availability, your request will route to the agency inbox and we'll do our best to accommodate your schedule.
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Your Insurance, On The Go

Scan your credit card to populate payment info within the app. Access policy information, keep a digital copy of your ID card and enjoy new roadside tools with the Allstate mobile app for iOS and Android.
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Protect What Matters Most

Whether it's your home, your family, your bike or your boat, see how Allstate can help protect the things that matter most to you in life.

Insurance Products & Services

Insurance is unlike any other product out there - you pay for it and hope you never have to use it. And that makes paying more than you need to that much more uncomfortable.

With a policy from Allstate, you can help keep your insurance costs low with the wide variety of discounts we offer. Keep in mind, not all discounts are available in every state. The best way to get all that you qualify for is to get an insurance quote specific to Owasso.

You can get a rough "ballpark" insurance quote from many companies online, but talking with an agent allows you to ask questions and get a quote for coverage that matters most to you. As an Allstate agent, I can prepare a quote that details the coverage, deductibles (your portion of a loss) and cost (premium) of your insurance policy.

Insurance products and services offered at my Allstate agency include:

  • Auto Insurance
  • Car Insurance
  • Flood Insurance
  • Insurance
  • Life Insurance
  • Motorcycle Insurance
  • Home Insurance
  • Insurance Quote
  • Insurance Agency
  • Business Insurance

Plan Your Financial Future.
Calculator: Social Security & Retirement
Buy vs. Lease Calculator
What's the Difference Between Term and Permanent Life Insurance?
Mortgage Tax Credit Calculator

Make sure you're doing all you can to protect the life you deserve—no matter what stage you're at in life.
Is Social Security part of your retirement plan? Estimate your projected annual benefits.
What’s more cost efficient – buying or leasing a car? This calculator can help crunch the numbers.
Life insurance policies typically fall into two categories: term or permanent insurance. Which type of policy is right for you?
Calculate your potential average yearly tax savings over the life of your mortgage.
Learn moreLearn moreLearn moreLearn moreLearn more

Areas Served

Proud to serve the areas of:

  • Tulsa
  • Collinsville
  • Skiatook
  • Claremore
  • Catoosa
  • Oologah
  • Sperry
  • Pryor
  • Bixby
  • Verdigris
  • Nowata
  • Glenpool
  • Owasso
  • Broken Arrow
  • Talala

Quote, email, or call my agency today for your personalized insurance quote.

Michael D Watson is insurance licensed in the state(s) of Kansas and Oklahoma. If you do not reside in the state(s) of Kansas or Oklahoma, please go to the Find an Agent section on to search for another Allstate Agent or Personal Financial Representative.

Subject to terms, conditions & availability.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY.