All terrain vehicles, better known as ATVs, require insurance in some states. Although West Virginia does not require insurance coverage, it is always a good idea to carry insurance to cover the cost of repair or replacement, or the damage you may cause to other people or property. Before you search for ATV insurance quotes, careful research will help you find the coverage options that are best for you.
Whether your ride is brand new or you've had it for a while and can't imagine life without it, buying ATV insurance is the best way to cover your four-wheeler (and yourself) when you are out on one of West Virginia's majestic trails.
ATV insurance protects you from paying exorbitant amounts of money should your all terrain vehicle become involved in an accident that causes damage to another person or property. It can also help defray the cost of repairing your ATV.
ATVs come in many different shapes and sizes in West Virginia. ATVs are designed and manufactured for different uses including racing, pit-vehicle use, recreation, hunting, ranching, military, emergency services and industrial.
While the most common type of ATV is of the four-wheeled variety, there are also ATVs that come with three, six or even eight wheels. And there are some eco-friendly ATVs hitting the market that run on batteries.
ATVs range in size from 50cc youth ATVs to 700cc sport quads, 800cc UTVs and side-by-sides going over 1,000cc.
You can find an insurance policy in West Virginia to cover the following types of ATVs:
As an ATV owner, you need to keep a couple of things in mind:
Believe it or not, you may not need ATV insurance. Some circumstances may not require you to have an ATV policy:
It is sometimes more cost-efficient to allow your umbrella coverage to protect your ATV, as opposed to having an actual ATV policy. Your ATV insurance will cover someone injured on your ATV, vandalism, theft or damage to your ATV. Double-check with your agent to know for sure.
Much like car or motorcycle insurance, most West Virginia insurance companies offer a variety of ATV coverage options, including the following:
Due to the wide variety of ATVs sold in West Virginia, it is difficult to calculate an average cost for insurance policies. Generally, the more valuable the ATV, the higher price you will pay to insure it. The types of coverage you choose will also affect how much the policy will cost.
The quotes you get will factor in a few items, including:
Whether you ride your ATV along the back roads of Clarksburg, WV, or through the wilderness of Burning Rock Off-Road Park, you've worked hard for your possessions and want to be sure you have them for your future travel plans.
Finding the right insurance policy to meet your ATV needs is fast and affordable when you contact a Trusted Choice® independent insurance agent for your free quotes. Our knowledgeable representatives will have you hitting the trails, fully protected, in minutes.