With thousands of miles of wide open spaces and literally hundreds of designated ATV trails and clubs, North Dakota is anoff-roader's paradise. As the popularity of ATV use increases, however, so too do the number of accidents and injuries. Do you have an ATV insurance policy that can help protect you from those costs?
Before you search for an ATV insurance quote, however, there are several factors to consider.
According to the Consumer Product Safety Commission:
Some of the same reasons that make riding ATVs so thrilling are also the reasons they can be so dangerous.
Only an ATV insurance policy can help you recover quickly following an accident. It can also be there to help you if you cause another person injury or property damage while operating your ATV.
North Dakota state law does not required you to carry ATV insurance, but it is one of those important protections you should not be without.
The state does have the following to say about ATV regulations, however:
Most insurance providers offer a number of coverage options as you build your ATV policy, including:
Since their introduction to U.S. markets in 1982, the number and various styles and models of ATVs have significantly increased. You should be able to find a policy that covers any of the following common ATVs:
If your ATV isn't included, you can probably still get coverage. Check with an insurance agent to see if coverage is available for your particular vehicle.
Because no two ATVs and their riders are exactly alike, neither will any two ATV insurance quotes be identical. Most insurance companies take several factors into consideration as they calculate your insurance quote, including:
Generally, ATV insurance can range from as little as $70 a year for a policy for an older female who uses her ATV infrequently to as much as several hundred dollars a year for a young male who goes off-roading every weekend.
Prices and coverage options can vary greatly from insurance company to insurance company, so it's a good idea to shop around and compare several quotes from different providers.
The last thing you want to worry about as you cruise along in your ATV is whether or not you could afford an accident. Knowledgeable, independent insurance agents on the Trusted Choice® network are always available to answer your questions, suggest coverage options best suited for your ATV, and even assist you in filing a claim.
These experienced agents have worked with North Dakota insurance companies for years, enabling them to find you a number of quotes with the best coverage at the most affordable rates. Contact a Trusted Choice member agent near you to find out how you can obtain the perfect ATV insurance policy that meets your needs and budget.