Moon-Baker Agency

130 E Main St
Ada, OK 74820

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Does Motorcycle Insurance Cover Dirt Bikes?

One of the questions that we at Moon – Baker Insurance Agency Inc., serving the greater Ada OK area, are asked is what types of items are covered by motorcycle insurance. We are often asked if motorcycle insurance includes things like motorized bikes, dirt bikes and mopeds. If you are looking to insure something that is not exactly a motorcycle, but may be classified as one, you will want to read on to learn more about this topic. 

Does Motorcycle Insurance Cover Dirt Bikes? 

Most insurance policies allow any type of motorized bike to be classified as a motorcycle for the purposes of insuring the bike. This includes motorized bikes, mopeds, dirt bikes and in some cases, even motorized scooters. However, every single insurance company is different and the policies offered are different. While most do cover a dirt bike under a motorcycle policy, others will only cover it if the bike has the power to exceed 35 miles per hour and has a certain horsepower. If it does not meet these requirements, it may be insured under a toy insurance policy, rather than a motorcycle insurance policy. 

Another factor that may be looked at when determining whether your dirt bike can be covered under a motorcycle or toy insurance policy is whether the bike is street legal. If the bike is street legal and can be registered in your state, a motorcycle insurance policy may be appropriate. However, if your bike is not street legal, a toy insurance policy may be the preferred type of insurance. 

If you are looking to obtain a new motorcycle insurance policy, in the greater Ada OK area, to cover a motorcycle, dirt bike or moped, contact Moon – Baker Insurance Agency Inc. We can help you determine whether your bike qualifies for insurance coverage and which type of policy will best meet your needs. 

How to Choose Health Insurance

When it comes to choosing health insurance, there are many factors that you will want to take into consideration. From knowing which doctors are in your coverage to assessing the different copay options, these factors will determine which plan is best for you and your family. Let’s take a closer look at a few tips for knowing how to choose health insurance. 

Which doctors are covered in your policy?

Did you know that some health insurance plans will provide coverage for almost any doctor? These plans, of course, seem like the most advantageous to have, but you must also look at other factors, such as their copay rates. Other plans provide coverage for a limited number of physicians located at certain locations, and if you opt to go out of this covered area, you may have to pay a fee. 

What is a copay?

No matter the health insurance plan that you choose to buy, there is a good chance that it will require you to pay a copay for certain services. You, of course, want to make sure the copay is something that you can afford. For example, if you go to the doctor once a month and your copay is $80, this is quite expensive. If, however, your copay is only $15, this can save you a considerable amount of money. You always want to make sure your policy has a reasonable copay for doctor visits and medications. 

What is the deductible?

In addition to a copay, you will be required to meet a deductible each year before coverage kicks in; this does not apply to all plans, must most plans do have some type of deductible. Just like auto insurance, the lower the deductible, the higher the monthly premium rate will be. 

To learn more about health insurance, contact Moon – Baker Insurance Agency Inc. serving the Ada, OK area.