You’re not required to have ATV insurance in Oklahoma to operate your all-terrain vehicle off-road. However, ATV insurance is still a smart purchase, and here’s why.

Cover Yourself in Case of an Accident with Liability

If you are at fault in an accident while driving your ATV, any damages must be paid by you. That includes damage to another vehicle, damage to someone’s property, and medical care for anyone who is injured.

Most people can’t afford those kinds of expenses, so they purchase liability insurance for their ATVs. This covers you if you’re responsible for an accident rather than the money coming out of your savings or having someone sue you in court.

Protect Your ATV

In addition to liability coverage, you probably want to protect the vehicle itself. You can purchase collision insurance for your ATV, which reimburses you for repairs if you are at fault in an accident. Comprehensive coverage protects you in the event of damage from or loss to theft, vandalism, severe weather, or fire.

Other kinds of ATV insurance you may elect to carry include:

• Uninsured driver coverage, in case someone without insurance hits you
• Fuel spills and cleanup insurance after an accident
• Medical coverage for you and any passengers
• Roadside assistance in case you are stranded off-road

Save Money on Your ATV Insurance

You can usually reduce your insurance costs by following these pointers:

• Maintain a good credit score.
• Keep your driving record clean.
• Operate your ATV responsibly and avoid accident claims.
• Store your ATV in a secure location.
• Bundle your ATV insurance with other personal policies, like your auto insurance.
• Partner with an independent agent for the most options.

We Can Tailor ATV Insurance to Your Usage

When you work with independent insurance agents, like J. K. Meadors & Co, you have a much larger menu of insurance products to choose from, which saves you money. It also lets you get a much more customized policy that suits your needs.

Independent agents are local to your community and make it easy to find the right coverage, bundle policies, and file claims if the worst happens. To talk with one of our independent agents about your ATV insurance, call us at 405-377-0000 or get in touch online to let us know how we can help. You can also start a policy online anytime at your convenience.