Hit the Trails with the Best ATV Insurance
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There’s nothing quite like the freedom of off-roading through the wilderness on your new all-terrain vehicle. Being able to visit difficult-to-reach vistas, the thrill of barreling along trails at high speeds, or a classic day out muddin’. ATVs offer an experience unlike many others when it comes to outdoor exploration.
Of course, ATVs are a significant investment, and as with any investment, you want to make sure you have adequate protection for your vehicle. After all, it’s hard to experience everything the ATV experience has to offer when you’re concerned about the financial repercussions of damages.
ATVs are built for roughhousing. But that doesn’t mean something can’t go wrong. Make sure you’re prepared in case of accidents or damage to your ride with the best ATV insurance.
What is ATV Insurance? What Does it Cover?
ATV insurance is designed to protect you financially in case of an accident with your ATV. It can help cover you if there are injuries incurred or if your ATV is stolen as well. This type of insurance is similar to auto insurance, though due to the difference in use of an ATV, it’s usually cheaper.
ATV insurance typically includes a variety of coverages:
- Collision Coverage helps with the cost of repairs to your ATV in case of damage.
- Liability Coverage protects you financially in case of injury or property damage where you are at fault.
- Uninsured Motorist Coverage provides financial compensation in case of an accident where another party is at fault and does not have the insurance to cover damages.
- Comprehensive Coverage protects you in case of damage caused by weather or fire, or if your ATV is vandalized or stolen.
Do I Need ATV Insurance?
Because of the liability to other people when operating an all-terrain vehicle, there are a number of states that require at least some sort of ATV insurance. Due to the detailed regulations, it’s recommended that you thoroughly research the requirements of your specific state.
Some states allow you to forgo insurance if you’re driving on your own land, but the moment you take your vehicle off your property, insurance is required. Other states allow you to drive on public roadways only if insured and meeting other requirements. Some states require ATV insurance to operate your all- terrain vehicle at any time or place. Other states have no insurance requirements, but private property within those states, such as trails in state parks, may require you to hold insurance.
When looking up what type of insurance to get, make sure you a familiar with your state’s laws regarding ATV usage. Consider where you will be driving your ATV. However, don’t base your decision to purchase ATV insurance solely on your state’s legal requirements. There are a number of reasons to purchase insurance even if you’re not required to.
It’s always recommended for you to take into account your financial situation and the value of your ATV. Can you afford to completely replace the ATV in its entirety if stolen or totaled? Or fight a legal battle if at fault in an accident? Can you afford to cover medical bills for yourself or another party if an injury occurs? If not, it is recommended to purchase liability insurance for your ATV.
Don’t allow a great day out on the trails to turn into a financial catastrophe for you and your family. Insurance is more than a financial safety net. It’s peace of mind.
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How Much is ATV Insurance?
As with most types of insurance, the cost of ATV insurance varies depending on several factors. Some factors that determine how much your premiums are, include:
- Type of ATV
- Make, Model, and Year
- Engine Size
- Safety Features
- Rider Information – Age, location, driving history, frequency of use
- Type and Amount of Coverage
Because of the large potential for ATV insurance options, it’s difficult to give a range. Your best option is to begin researching ATV insurance quotes specific to you.
G&G Independent Insurance makes this easy. With our network of over 50 insurance companies, all you have to do is give us your information and we’ll find the best quotes relevant to you in minutes!
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We’re more than happy to talk to you one-on-one concerning all your questions about finding cheap ATV insurance services in the USA.