Cheap ATV Insurance

This coverage protects you financially when you are riding your ATV or UTV. As with auto insurance, you can choose from a variety of plans that best meet your needs and budget. Some types of coverage include protection for damages and repairs, as well as liability if you accidentally hurt someone else or damage their property. You can also find affordable medical coverage for you and your passengers if necessary.

If you cause an accident or damage someone’s property, such as fencing, while riding your ATV, your liability will help pay to repair that property. If you choose collision coverage or comprehensive insurance, you’ll have your own machine repaired for a number of events, including fire while it is parked, and damages that result from some types of collisions.

Depending on the coverage you select, as well as some individual factors, your coverage could be as little as $44 per month. On the other hand, if you are a new rider with a brand new quad bike, that could jump as high as $100 monthly.

Factors that Affect Insurance Premium

Underwriters will look at a variety of items to determine your policy cost. Some of these include:

• Where you live: If you live in an area where accidents happen frequently or theft is high, your rates will be higher than someone who does not have these factors. In addition, insurers will look at how much repairs cost in your neck of the woods.
• Your individual factors: Your age, gender, experience and claims history will all play a part in your cost.
• Type of ATV: Just like cars, models range from basic to luxury. The more it costs to repair or replace your 3- or 4-wheeler, the more your policy will cost.

Your own driving record plays a large part. If you have proven to be a safe and responsible driver, you’ll likely get a lower quote.

You can choose your policy based on what type of protection you desire and your budget. Some of the options include many types of coverage you’ve already heard about, such as:

• Liability: Typically protects you financially up to policy limits against the claims of others who have been hurt or had property damaged in an event caused by you.
• Collision: Pays for repairs or replacement if your equipment is damaged or destroyed in a covered collision event – even if the event is your fault.
• Comprehensive: Pays for repairs or replacement if your ATV is damaged or destroyed in a storm, fire or other covered event.
• Uninsured motorist: Helps pay for your repairs and injuries if another driver without a policy causes a wreck.
• Medical: Whether personal injury protection (PIP) or Medical Payments (MedPay), this is designed to kick in immediately to begin paying any medical bills you may incur after a covered event.

To find out what will work best for you, visit a friendly Acceptance Insurance agent. You’ll receive options from national carriers so you can pick the one that suits your situation best.

What Vehicles Does an ATV Policy Cover?

Off-roading enthusiasts are surprised to find this type of protection extends to a range of recreational vehicles, including:

Yes, there are several great ways to get a discounted policy before you navigate trails. Your good driving record gives you a reputation for being a safe driver and that’s certainly worth a discount. Another way is to bundle your policy with other ones, such as your home insurance, car insurance, or renters insurance.  Remaining loyal to the same company demonstrates a commitment that is often recognized and rewarded.

You can also ask for discounts such as former or current military or first responder. There are special breaks for teachers, too. Taking a course on safe ATV driving and habits might earn you some money off. Check with your friendly Acceptance Insurance agent to see what they can do for you.