The state of Utah is one of the top destinations for ATV enthusiasts. Not only is the terrain ATV-friendly, but the whole state engages in ATV activities, ranging from ATV trail rides to races and jamborees.
The state government is also very active when it comes to ATV laws. They have strict usage rules, and encourage riders to respect trails, riders, and even their vehicles. Youths aged 8-15 must pass a "Know Before You Go" certification course in order to ride. Additionally, there are age requirements for certain engine sizes. Finally, all riders must wear helmets at all times, unless they're using the ATV for agricultural purposes.
One other very important way to protect yourself on your ATV is by purchasing ATV insurance to cover you and your vehicle while you're enjoying the trails.
It's incredibly important to stay safe while on the trails. This includes making sure your ATV is functioning properly, and that you have protective gear, extra supplies, and a first aid kit and fire extinguisher. One additional protection you need on the trail with your ATV is insurance. ATV insurance is meant to protect you from some of the most common risks you encounter while riding ATVs, and in the case of an accident, can help you pay for medical bills, legal fees and repairs.
ATV insurance is a set of policies put in place to help protect you from common events such as accidents, breakdowns and theft. A typical ATV insurance policy may include the following:
Insurance companies understand that there are many types of ATVs out on the trails and parks in UT. Knowing this, they offer insurance policies for most types of ATVs, including the following:
This list is not exhaustive, but includes just a few of the most popular types of ATVs covered by insurance.
When it comes to getting the best coverage for your individual situation, think about the following:
ATV insurance policies can vary in price, due to different riders facing different risks. When shopping for an insurance policy, be sure to have the following information in order to get an accurate quote:
All of these factors will be considered when giving you a quote for ATV insurance.
Just like most other insurance policies, there are discounts available on ATV insurance as well. These may include the following:
These are just a few of the discounts that you may be eligible for. Each insurance company has different discounts available, so be sure to ask about any discounts you may not be aware of.
When it comes to purchasing ATV insurance in Utah, it's important to have a professional by your side to help you choose the best policies for you. A Trusted Choice® agent is always available to help guide you through confusing insurance wording, suggest coverages, or even help you file a claim.
These agents have years of experience working with Utah insurance providers, enabling them to find you a number of quotes from a variety of companies. Contact a Trusted Choice agent near you to get a quote for ATV insurance that fits your situation and your budget.