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Are your off-road toys covered?

At Speir Agency, we can provide insurance coverages for your ATV, Jet Ski or off-road vehicles in Ada and throughout the state of Oklahoma. If you own an ATV or off-road vehicle, you need to make sure that you have the right coverage in case of an accident or loss. While some homeowners insurance policies may cover certain liabilities, in most cases Oklahoma residents need an additional ATV policy to give them the complete coverage they need.

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• Comprehensive and Collision coverage

• Medical coverage

• Property Damage liability

• Uninsured/Underinsured Motorist

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We can help you find the right coverage for your special vehicle to protect your investment depending on the vehicle type. Our insurance professionals can work with the carriers and their special requirements for ATV insurance & assist you in finding the right coverage at a competitive rate.

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Do You Need Insurance for Your Off-Road Vehicle?

Most specialized vehicles aren’t covered under your standard auto or home insurance policy, especially when you aren’t on your own property. What’s more, many national, state, or other public parks require specialty vehicle riders to be properly insured.

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Keeping Insurance Costs Low

Several factors can affect the cost of insuring a specialty vehicle. So how can you keep your rates low?

• Be safe - If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.

• Choose your vehicle carefully - Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure.

• Own and Insure More Than One - With many carriers you can receive a discount if you insure more than one specialty vehicle on your policy.