When it’s time to go off-road, do you have the ATV insurance coverage you need for accidents, injuries or damage to your property? Whether you ride your all-terrain vehicle for fun or to get a job done, on a state trail or in the middle of nowhere, accidents and injuries can happen.

Contact a member agent in the Trusted Choice® network today to get a free quote on your quad or 3-wheeler insurance. No matter where you live in the U.S., you will find a Trusted Choice member agency in your area that can compare ATV insurance quotes and find the right insurance for you. With over 27,000 member agency locations nationwide, the Trusted Choice network has an independent agent near you.

What Does ATV Insurance Cover?

It can be expensive to repair your all-terrain vehicle after an accident. If you are injured while on your ATV, the cost of medical treatment can be thousands of dollars. Many people think their homeowners or auto insurance policy provides the coverage they need in the event of an accident or injury, but this is usually not the case.

ATV insurance provides the coverage you need specifically for off-roading. Your policy will cover damage or injuries from an ATV accident, up to the limits of your policy. The components of your policy will typically include:

  • ATV collision insurance: This portion of your coverage pays for structural damage to your vehicle if you hit another ATV, a rock, stump, tree or other object that causes significant damage.
  • Comprehensive insurance, also called “other than collision”: This coverage pays damages that result from lightning, vandalism, animals, or theft, for example.
  • Bodily injury and property damage liability coverage: If you cause an accident that harms another person or their property, your liability insurance covers those damages and your legal defense if you are sued.
  • Uninsured/underinsured motorist coverage: This optional insurance covers you if another person causes harm to you or your property and is not properly covered to pay for those losses.

Talk with an agent about any additional or special insurance you may need. For example, if you have added customized parts on your all-terrain vehicle, you’ll want coverage in the event of a breakdown. An agent in the Trusted Choice network can get customized ATV insurance quotes for you and help you select the coverage you need.

Can You Find Quality Online Insurance?

Many people begin their search for ATV insurance by getting online quotes. Instant quotes online will give you a lot of insight into your insurance costs, and they are easy to track down.  With a few clicks of a mouse, you can quickly see what you're getting into when you sign up with an insurance company for coverage.

Despite the ease of use, you may still have some questions that you need help with before you purchase.  For example, if you put some upgrades on your new three-wheel, you might wonder if you have to buy additional coverage.  You might also wonder if your liability limits are high enough to protect you after an accident.  A member agent in the Trusted Choice network can be a great resource.  They have the insight you need to make decisions, and they can answer any questions you may have.  Don't hesitate to contact an agent today.

Get Assistance with Your ATV Insurance

To get an accurate free quote on your ATV insurance, quad bike insurance or 3-wheeler insurance, work with a knowledgeable agent. An agent in the Trusted Choice network can go over your policy options with you, compare quotes from multiple insurance companies, and make sure you understand exactly what your policy will and will not cover.

As independent agents, members of the Trusted Choice network have access to free quotes from multiple insurance carriers and can do a full comparison for you. The result will be an affordable policy, tailored to your needs and budget.