Finding The Best ATV Insurance

ATVs and motorcycles need some form of insurance as regular cars do. There are times when you will be using public roads in these vehicles, so you will need to carry at least your state’s minimum amount of coverage required. These vehicles often have license plates, so as registered vehicles, they are also required to have insurance of some kind. The good news is that if you’re familiar with car insurance, then you are familiar with ATV insurance. The methodology and coverage types remain consistent. At the same time, you may be wondering how to find the best ATV insurance and save while doing so –all this and more will be revealed. 

What is ATV Insurance? 

An ATV itself is defined as an all-terrain vehicle with particularly low-pressure tires and suspension. These vehicles can go on and off-road. The four-wheel ATV with handlebar steering like a motorcycle remains one of the most common ones. They all come fitted with brake and headlights as all legal vehicles on the road should. Some may even be able to seat two people. There are also utility side-by-side vehicles (UTLS). These are the larger ATVs that may cost more to insure. They also have some cargo capabilities. With these kinds of vehicles in mind, that brings us to the matter of insurance. 

Types of Insurance For an ATV

Several of the insurance types for an ATV are also applied to regular cars. How much ATV insurance you get depends on yourself and the type of ATV you own. At the same time, there are some unique ways these coverages can be applied to an ATV:

  • Liability insurance – This is the required basic ATV insurance. The act of paying for damages and injuries you cause in an auto accident is a legal obligation in the majority of the United States. Every state has its own minimum requirement for liability insurance with property damage and injuries caused by the policyholder. So, if you were to cause an accident on your ATV, your liability coverage will handle these damages. This is the only coverage that is required. 
  • Personal injury protection (PIP) – You may be wondering, what of your own injuries in an accident you cause on your ATV? PIP, as it is called, comes into play here to cover injuries that you and your passenger personally sustain in an at-fault accident. Please note that because injuries are more likely to occur on an ATV than on a car, some states may not offer this for them. 
  • Collision insurance – This is one of two parts making up full coverage. Collision coverage insures you against damage that your own ATV sustains in an at-fault accident, while your liability coverage handles the damages you caused to others. For a high-value ATV, collision insurance would come in handy. 
  • Comprehensive insurance – This is the other part of full coverage. Comprehensive coverage lives up to its name by insuring damage done to an ATV when the driver isn’t present is covered –usually when it is parked or in storage. This can be due to climate and crime conditions. 
  • Uninsured motorist coverage – There is always a chance that you can run into another ATV driver that lacks insurance of their own. This can happen on the road with regular drivers as well. That is where uninsured motorist coverage comes in. This includes coverage for property damage and injuries that the at-fault driver is unable to pay for themselves.  
Windrock has 300 miles of challenging trails for UTVs and ATVs, and they are open for riding right now.

Finding The Best ATV Insurance And Discounts

Local and national auto insurers may specialize in ATV and motorcycle coverage. The natural approach to shopping for it is to do it how you would with standard car insurance –collect those online quotes from multiple providers, see what discounts you qualify for, and narrow it down to the provider giving you more bang for your bucks. Some ATV insurance discounts include:

  • Training course discount – Similar to defensive driving courses, there are certified ones for ATV driving and handling. Certain insurance providers do offer a discount for the completion of such a course.  
  • Weather discount – If you live in a region that sees snow and ice in the winter, then you may drive your ATV less during that time of year. It wouldn’t make sense to continue paying full insurance for a vehicle you don’t use, so insurance companies may discount your rates during this time. 
  • Association discount – These are occupation-based discounts for military personnel, teachers, and health care professionals. This is another discount you may qualify for with some insurance companies.  
  • Bundling discount – You may be able to get lower rates if you get your ATV coverage from the same provider that gives you your auto or home insurance. Insurance companies are businesses, and businesses love loyal customers. 
  • Safe driver discount – Of course, the main thing you can do to keep your insurance rates low is by being the safest driver you can be and avoiding filing claims. Insurance companies tend to notice this and reward it handsomely.


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