We know you love your all-terrain vehicle (ATV), whether you're a rancher, hunter or trail rider. We also know that you want to be covered if your ATV is stolen or badly damaged. Proper insurance can help you protect your investment.
Many states require ATV insurance for vehicles operated on state-owned land. Your homeowners policy might not cover you if you ride off your own property. That's why ATV insurance is especially important.
Comprehensive Coverage
This covers the loss of your ATV and its Custom Parts and Equipment due to theft, fire, vandalism, or other similar damage. You can choose the dollar amount of Custom Parts and Equipment coverage and the deductible that's right for you.
Collision Coverage
This covers significant physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post or other obstacle. Due to the rough nature in which many ATVs are used, collision coverage does not provide coverage for scrapes, scratches, minor dings/dents and other cosmetic/non-structural damage. Again, you choose your deductible.
Liability Coverage
This covers damage done to people or property and protects your assets. You select the limits to suit your needs.
Uninsured and Underinsured Coverage
This relatively inexpensive coverage protects you if another rider causes damage to you or your vehicle and has inadequate coverage.
How can you keep your insurance rates low?
Several factors will affect your insurance rates. You can't control all of the factors that apply to you, but there are a few things you can do:
Ride carefully.
If you have violations on your driving record or claims on your policy, your rates will be higher.
Choose your ATV carefully.
ATVs with higher displacement, or those that are considered more aggressive machines, typically cost more to insure based on the history of claims for those vehicles.
Buy More ATVs!
You'll receive a discount if you insure more than one ATV on your policy.
