For some, the freedom of jetting down trails on a four-wheeler with wind in their face and bugs in their teeth is as close as it gets to cloud 9. But an all-terrain paradise isn’t all sweet jumps and epic mud baths. In fact, the road less traveled also comes with a fair amount of risk.
Finding top coverage for your ATV is a trip no rider should go alone. Our independent agents will be there to guide you through a handpicked selection of options to make sure you and your machine are properly protected.
Maybe. Every state has different minimum requirements, which can make it confusing. In New York, you are not allowed to leave your property without coverage that includes death, bodily injury and property damage liability coverage.
Needless to say, but we will anyway, it’s important to talk to your agent to make sure you are properly and legally covered in your state.
ATV insurance provides the coverage you need specifically for off-roading. Your policy helps protect you financially from damage or injuries related to an ATV accident. Many people think their homeowners or auto insurance policy provides coverage, but this is usually not the case.
Coverage can include the following:
Insurance rates for ATVs and UTVs can range from a few hundred bucks to over a thousand per year. It depends on coverage, state requirements and a few other fun little factors, like these:
You like easy, right? And saving money, you’re cool with that? When you combine your home, auto or even umbrella policies with your ATV policy, you simplify the claim process and can get a nice little discount on your premiums.
Plus, your agent will be able to find any gaps in your protection and eliminate any unnecessary coverage, so you know you’re secure in all the right places.
Our agents will review your needs and help you evaluate the ATV coverage that makes the most sense. They’ll also compare insurance policies and quotes from multiple carriers to make sure you have the right protection in place.
Independent agents will walk you through a handpicked selection of policies from all the top ATV insurance carriers. Not only that, they’ll cut the jargon and clarify the fine print, so you know exactly what you’re getting.
Most importantly, they’ll be there to help you file a claim. The outcome of insurance claims can be strongly impacted by how the process is approached and handled.