ATVs (all terrain vehicles) are popular for hunting, recreation, and work throughout the Lone Star State. Similar but typically larger and more expensive vehicles called UTVs (utility vehicles) have replaced workhorses for many state ranches, forests, and urban areas. Both have evolved considerably over the past few years, adding options and features that have increased their prices and created a need for separate insurance coverage.
Conforming to state regulations and purchasing Texas ATV insurance should allow you to enjoy your own vehicle securely whether you use it for business or pleasure. You can purchase coverage for your ATV from an independent member agent in the Trusted Choice® network. These local professionals can answer your questions and help you compare Texas ATV insurance quotes from different top-rated insurers. Find a local member agent today to learn how you can save money and get your ATV or UTV fully protected.
The cost to insure your own vehicle may vary considerably based on the type of ATV you purchased, coverage options you selected, who operates the vehicle, and how many prior claims you have made. As with any motor vehicle, you may receive lower ATV coverage rates by selecting a safe, lower-horsepower model and riding carefully to avoid claims.
If you are planning to purchase a vehicle, it makes sense to check with a Trusted Choice member agent to compare policy quotes on various models before making any decisions. Rates for a low-risk owner to purchase a basic plan may be as low as $100 a year. Other ATV owners may pay a few hundred dollars a year if they have greater risks or want more comprehensive coverage.
The state’s Off-Highway Vehicle Program (OHV) helps provide safe places for recreational riders to go and promotes responsible ATV riding. OHV decals are required for anybody operating an ATV or UTV on any state public land. The state Department of Parks and Wildlife promotes and regulates the use of recreational ATV riding on public trails and those that receive grants from the Texas Parks and Wildlife Department.
Even though Texas regulates the safe use of various types of all-terrain vehicles, you are still at risk when you ride one. The state started collecting ATV related death statistics in 1982. This has provided insurance companies with the data needed to accurately assess risk and assign rates.
As a Texas resident, you have a variety of ATV policy options to consider. More coverage offers greater security, but will raise the price of your policy. The best policy for you will depend on the way you use your vehicle and your personal preferences. Many owners are concerned about liability, injuries, and property damage. You can speak with your local Trusted Choice member agent about the cost and benefits of various types of ATV coverage.
Urban dwellers may store a recreational ATV for occasional weekend use and tow it into the country. Residents of more rural areas are more likely to operate their vehicles from their own properties. Inform your agent about your ATV usage habits because you may need additional coverage for your ATV and trailer when towing it on public roadways.
Before you decide to purchase a policy, you should learn about different coverage options and compare multiple rate quotes. An independent agent in the Trusted Choice network will offer you an explanation of various policies and coverage options. These network agents will also supply free rate quotes from a variety of insurers. Find a local Trusted Choice member agent to learn how to get the best available Texas ATV insurance today.