Off-road recreational vehicles provide a fun way to explore the countryside. One popular model is the side-by-side, also commonly referred to as a UTV (or utility task vehicle). In addition to recreational purposes, these vehicles can be useful for work outdoors.
If you own a side-by-side or want to buy one, you may be curious about how to properly insure a UTV and what kinds of risks you may be faced with.
UTV insurance is a specialized off-road vehicle insurance policy designed for owners of side-by-side utility vehicles. It provides UTV owners with financial protection after accidents or collisions. More comprehensive policies also protect the owner’s investment by covering loss or damage to the vehicle.
Whether or not you are required by law to carry insurance on your UTV depends on what state you live in, where you will be riding your vehicle and what you use your ATV for. States that do require coverage almost always have a minimum liability insurance requirement.
If you are using your UTV for work related reasons, you may be required to carry commercial vehicle insurance and your coverage minimums may be higher than if you are only using it for personal use. Also, if you have financed your vehicle, your lender may require you to carry collision and comprehensive coverage for the life of your loan.
Not all states require insurance for riding on privately owned land, but many require insurance if you will be riding in state parks or other state-owned land. To find out what laws and minimum coverage requirements are pertinent in your state, consult a local independent agent in the Trusted Choice network who will be familiar with your state laws.
Whether or not you are required to have coverage, purchasing a policy could be a wise decision. Because these vehicles were designed to carry passengers, a collision or roll-over in your vehicle can result in injuries to you and others who are riding along. Without an insurance policy in place to protect you, you could find yourself in financial hardship from high medical costs and litigation.
You can choose from a variety of coverage options in your side-by-side UTV insurance policy. These options may vary by provider, so be sure to review the policy you are considering carefully.
Many UTV accidents and injuries cannot be prevented. Most are caused by human errors like driver inexperience, reckless driving and carelessness. Following a few simple safety protocols can greatly reduce your risk of experiencing an accident while enjoying time on your side-by- side:
In addition to following the safety tips listed above, you can learn several defensive maneuvers and tips for handling unexpected obstacles by taking an ATV safety course. Many courses are free or very low cost. These courses can save you from injury and can save you money on your insurance premiums.
On average, people pay about $25/month for their UTV insurance policies. However, there are many factors that can affect the cost of your policy, such as:
There are many factors that go into an insurance premium, so collecting quotes from several companies can prove beneficial when trying to save money. An independent Trusted Choice agent can help you compare quotes from several different insurance companies and choose the right coverage for your needs.
Comparison shopping for your side-by-side can help you find a policy with all the coverage you need at a competitive price. Most insurance professionals agree that you should get quotes from a minimum of three insurance companies before making a decision.
Your local Trusted Choice agent can simplify the process for you. After assessing your coverage and budgetary needs, an independent agent can contact several different insurance companies, provide you with quotes to compare, and help you find the best possible UTV insurance policy for your needs and budget.