Arizona's hot, dry climate, and flat, open plains are perfect for ATV riding. In fact, the state has over 40 ATV and OHV areas, with a large support effort for riders to enjoy the climate, along with being active in its conservation.
Arizona has strict laws about ATV and OHV use, including required equipment such as headlights, brakelights, and spark arrestors, along with strict trail usage laws designed to help everyone enjoy the trails and stay safe. Additionally, if you plan to ride your ATV on any public roads, insurance is required by law.
One major part of staying safe on the trails is having insurance covering your ATV activities. With ATV use growing in popularity, accidents are on the rise. If you're involved in an accident on your ATV, being uninsured could prove disastrous for your family's financial picture. ATV insurance protects you from having to pay large sums out of pocket for repairs or medical bills.
Whether you're hitting the trails in the Arizona strip, or conquering Hualapai Mountain, being safe on your ATV should always be a priority. It is important the you have all the required equipment, along with extra food, water, fire extinguisher, and first aid kit. The state of Arizona recommends that these items, plus others, always be taken when using your ATV.
One other important item to have with you is ATV insurance. While everyone tries to be safe on the trails, accidents happen. Having ATV insurance covering your ATV can give you peace of mind that the repairs will be covered, and that you won't be financially responsible for hefty judgements or medical bills.
ATV insurance is a set of policies designed to protect you from the risks you face while using your ATV in Arizona. A typical ATV policy may resemble the following:
No matter the type of ATV you own, there is an insurance policy to cover it. The following is a list of ATVs that can be covered by insurance:
This list is not exhaustive, and if you have a custom ATV, or an ATV not in this list, it is most likely insurable. It is important that you speak with an insurance agent to get a better idea of the coverage that's right for you.
There isn't any exact number for a quote that applies to all ATV owners, since your risks are individual. When searching for ATV insurance, be sure to get familiar with the following information in order to get the most accurate quote:
These factors, plus more, will go into calculating a quote that will properly cover you for all your risks.
Typically, there are many discounts available on ATV insurance policies, including the following:
When searching for ATV insurance quotes, be sure to ask about any discounts available, along with discounts you may not be aware of.
When it comes to insuring your ATV, it's important to have a professional by your side that knows the hobby and understands the risks. A Trusted Choice® agent is always available to help you discuss coverages, suggest discounts, or even help you file a claim.