Getting ATV insurance is something that most people do not think about when they're out on the trail. However, it can be very important if you plan on riding frequently. Any damage to the ATV can be costly to repair. If you are injured while riding an ATV, you may or may not be covered by other forms of insurance. Therefore, getting ATV insurance should be a priority for any riders.
Know Your ATV
The first step to properly insuring your ATV is being knowledgeable about it. There are several different classifications that an ATV can fall into and your rate will depend on which one it falls into. When you buy your AT, ask the seller to tell you which classification it falls into. If you are at a dealer, they should have no problem telling you which one it is.
Another important factor to ask the seller is whether or not the manufacturer recommends passengers on the ATV. If it is capable of hauling passengers, you will want to include riders on your policy.
Each area has different laws about ATVs. You will want to contact the local authorities and find out all necessary information. Ask questions like:
- Do you need a license to drive it off road?
- How many people can ride on it safely?
- Where can you legally ride it?
- Are you required to get ATV liability insurance?
- Should you get ATV theft insurance?
There are a lot of things that you will want to make sure of before you get started.
There are many different companies that sell ATV coverage. The business is very competitive and you can shop around before you decide on a policy. Start out by going online and using a comparison website to look at the most popular brands. They can give you a good idea of the least expensive companies as well as the best in customer service. Once you review a few different companies, get an ATV insurance quote from one of their sites. It might be wise to get two or three specific quotes.
Talk to an Agent
Before you sign up for anything online, you'll want to speak with an ATV insurance agent. You will want to talk to them about specific clauses and coverage in the policy that you are looking at. It is usually a good idea to get comprehensive coverage so that you will be covered in a variety of situations. Riding an ATV can be dangerous, so any risk that you can limit financially is a good idea.
Talk to your agent about the quote that you received online. Ask them if that is the best deal you can get or if they can do anything. Let them know that you are looking at a few different places for ATV insurance. More often than not, they will give you a better deal just to earn your business. From there, you are ready to ride your ATV and have some fun.