ATV Insurance Coverage Types
Having the right kind of ATV liability insurance can help you get the reimbursement you need from a lawsuit involving your ATV and a third party.
A basic UTV insurance policy covers the necessities like liability, collision, medical payments, and more.
Dune buggy insurance also provides liability coverage, collision coverage, medical payments, and more protection for your dune buggy.
Browse our answers to some of the web's most frequently asked questions about ATV insurance, including estimated dune buggy insurance costs and more.
We'll help walk you through the process of how to file an ATV claim through your insurance, or with the help of an independent insurance agent.
Your ATV insurance cost can be greatly reduced by the discounts available from many ATV insurance companies. We'll outline several common options.
The cost of your ATV insurance can vary based on a few different factors, such as the make and model of your ATV. We'll help break down ATV insurance pricing.
An independent insurance agent near you can help you find the right ATV insurance policy. They can also provide you with fast quotes for coverage.
Finding the Best ATV Insurance
The best ATV insurance considers your unique needs, such as where and how often you use your ATV. We'll help you find the best policy.
Is ATV Insurance Required?
Every state has its own requirements when it comes to ATV insurance. You'll need to review your specific location's guidelines for coverage. Certain states don't allow riders to operate an ATV off their own property unless they have certain amounts and types of coverage, typically liability at a minimum. Further, if you finance or lease your ATV, your lender or bank likely requires you to have insurance.
Standard ATV Insurance Coverage
An ATV insurance policy might come with several different types of protection. Here are some of the most common coverage options to choose from:
- Liability coverage: This covers costs associated with third-party claims of personal property damage or bodily injury caused by you and your ATV.
- Collision coverage: Pays for damage to your ATV from a collision with another object, regardless of fault.
- Comprehensive coverage: Pays for damage to your ATV due to a non-collision event such as a flood or theft.
- Uninsured/underinsured motorist coverage: This can reimburse you for the other driver's share of the expenses if you get into a collision with someone who doesn't have adequate insurance.
- Medical payments coverage: This pays for medical expenses for injuries to you or your passengers after an accident, regardless of fault.
Working together with a local independent insurance agent is the best way to build a comprehensive ATV insurance policy that includes each type of protection you need.
Additional ATV Insurance Coverage Options to Consider
Your ATV insurance policy might not yet be complete. Often, you'll find the following additional types of coverage to consider adding to your policy:
- OEM coverage: This can pay for the cost of repairs to original equipment manufacturer parts for your ATV.
- Trailer coverage: This can pay to repair the trailer used to transport your ATV if it gets damaged.
- Equipment coverage: This can pay to repair or replace your ATV's equipment if you also purchase collision and comprehensive coverage.
- Trip interruption coverage: This can pay for meals and lodging expenses if you get stranded away from home.
- Towing and roadside assistance coverage: This can pay for towing and other roadside services if your ATV breaks down.
Your independent insurance agent can help you add any extra types of ATV insurance you might still be in need of to your policy.
How Much Is ATV Insurance?
Currently, the average cost of ATV insurance is just over $100 per month. Many different factors can impact your premiums, though. These can include the make and model of ATV you have, how often you use it, where you live, etc. An independent insurance agent can help you find affordable ATV insurance near you.
ATV Insurance Discounts Can Help You Save
Most insurers offer many ATV insurance discounts. For example, you could get a discount for bundling your ATV insurance together with either home insurance or car insurance, through the same carrier.
You might also earn a discount if you've been claims-free or stayed with the same insurance company for a few years. An independent insurance agent will apply any discounts you qualify for to your policy for you, but you can also read up on various ATV insurance discounts.
An Independent Insurance Agent Can Help You Find Affordable ATV Insurance
If you're looking for the most affordable ATV insurance in your area, no one's better equipped to help you find it than a local independent insurance agent. These agents have access to coverage options from multiple carriers near you. They can shop and compare quotes and policies and find the overall best blend of coverage and cost. And down the road, your agent can even help file ATV insurance claims for you.
https://lendedu.com/blog/atv-insurance-cost/