Wyoming is a large, wide-open state, full of outdoor enthusiasts. With so many state parks and recreation opportunities, it's no wonder that passionate outdoor individuals and families flock to the state.
If you live in Wyoming, you most likely know someone who owns and rides an ATV. Hitting the open trails can be exhilarating and fun, however, it's also dangerous. ATV accidents can cause serious injuries and death, especially in young people.
When it comes to ATV insurance, it's important to know where you will be riding. If your ATV will be ridden on any road, you will need to have liability insurance and a drivers license with you at all times. While there isn't a helmet law, you should always wear a helmet and safety equipment while riding your ATV. Additionally, having a fire extinguisher, first aid kit, extra gas, and extra water/sundries is also important for remaining safe on the trails. For those underage or beginner riders, a safety course is well worth the investment of time and money.
Riding ATVs in Wyoming is fun, however, it does come with an increased risk. In our litigious society, it's crucial to have an insurance plan in place, covering you and your ATV in case of an accident. Even a low-impact collision may end up costing you more than you can afford.
ATV insurance is a group of policies put together to offer you coverage from some of the most common risks that ATV riders in WY face. A typical ATV insurance policy in WY may resemble the following:
When you are searching online for ATV insurance quotes in Wyoming, it's important to know what types of ATVs are covered by ATV insurance. The list below is a general guideline of some of the most common types of ATVs that can be covered by insurance:
All of these, plus many more, are eligible for coverage with ATV insurance. It's always a wise idea to talk with an agent to get more specific information on coverage.
Since the risks you face are individual, your policy price will also be individual. When it comes to getting quotes on ATV policies in Wyoming, it's important to familiarize yourself with the following:
All of these factors, plus many more, will be considered in order to give you a quote that best reflects your individual situation and risk profile.
Just like many other insurance policies, there are discounts available on ATV insurance in Wyoming. These discounts may include the following:
Each insurance company offers its customers different discounts, so be sure to inquire about any discounts you may not be aware of.
When it comes to getting ATV insurance, it's crucial to have a professional by your side making sure you're getting the best coverage at the right price. A Trusted Choice® agent is always available to help answer questions, adjust coverages, or even help you file a claim.