Rhode Island is a beautiful state for recreation, especially if you have an all-terrain vehicle, or ATV, such as a quad, side-by-side, UTV, or 3-wheeler. While there are some restrictions as to where you can ride, there are great trail-riding opportunities in Newport, near Narragansett, or in the Burrillville area. Anywhere you go can be fun, but because there are other riders and obstacles along the way, there can be some significant risks too. Whether you use your ATV for work or leisure, make sure you’re prepared with the right Rhode Island ATV insurance to protect your investment.
Whether you drive a UTV, a quad, a 3-wheeler or a side-by-side, there is a Rhode Island ATV insurance policy available for you. ATV insurance works much the same way as an automobile policy works. The coverage protects your from damage or loss to your ATV in an accident, or can help you pay medical costs and legal fees that may be associated with an ATV accident in which you are found to be at fault. Here are some of your options:
In general, you may find that Rhode Island ATV insurance is very affordable, though rates will vary by carrier, your location and how you use the vehicle. If your vehicle is used for farming or ranching on your own property, and does not leave the property, your coverage will be very cheap, as your risk of a claim will be very low. But if your use the vehicle every weekend for hunting or trail-riding, you will likely pay a little bit more.
However, there are several other factors that go into this as well, such as your driving record, your age and gender, where you live, the age and value of the vehicle, and how much coverage you would need to be adequately protected.
To get accurate Rhode Island ATV insurance quotes for coverage that fits your lifestyle, contact a local agent in the Trusted Choice® insurance network. An independent agent can shop a number of companies, and provide you with side-by-side comparisons of coverage and benefits, so you can make an informed choice. Protect your ATV, your summer fun, and your financial life with quality ATV insurance today.