Washington State is one of the top states in the nation for ATV riding and enjoyment. With a large amount of forested areas, sandy beach dunes, dirt racing tracks and large open spaces, ATV use is popular in the state. But riding ATVs, or racing ATVs or dune-riding ATVs at high speeds can become incredibly dangerous, which is why having ATV insurance in place is important. Before you start shopping for quotes, make sure you read the information below to see why you need and should have the protection of ATV insurance.
ATV insurance offers you coverage from some of the most common risks you face as a WA ATV rider. A typical ATV insurance policy may cover the following:
Insurance agencies understand that there are many different types of ATVs – stand-ups to four-wheelers – on the trails in Washington. Below, we've compiled a list of some of the most common types of ATVs that insurance can cover:
If you have an ATV other than one of the ones mentioned above, you may still be able to get insurance coverage. Be sure to speak with an insurance agent to get specifics on the policies that may be available to you.
When it comes to ATV insurance, rate quotes in WA depend on a number of factors, including the following:
Insurance providers use all of these factors, including many more, to determine your coverage needs and your quotes.
Just like other types of insurance policies, an ATV insurance policy can offer you discounts depending on your individual situation. Available discounts may include the following:
Be sure to ask about any discounts you may be eligible for.
Homeowners insurance may cover your ATV while the vehicle is inside your garage, but when you tow or ride the ATV, your homeowners insurance will not cover any incidents. It's important to make sure that you have high enough ATV insurance limits to cover all of your assets.
Getting ATV insurance in Washington is an important part of being a responsible ATV rider and owner. The coverage can help you get peace of mind in case of an accident, disaster or crime. A Trusted Choice® agent is always available to discuss coverage, suggest discounts and even help you file a claim should an accident occur.
For more information on getting quotes and securing coverage, contact your local Trusted Choice agent.