How to Get ATV Insurance

ATVs are recreational vehicles people ride on dunes, trails and other surfaces that require compact, 4-wheeled vehicles. Although an ATV policy is similar to getting coverage on your automobile, ATVs are a different classification of vehicle and covered under different rules. To get the best deal on your ATV insurance, you will need to do more research than you would on more common vehicles, like a car, boat or camper.


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    Research your state's laws regarding ATV insurance. Some states require an ATV policy for anybody who owns one, with a requisite minimum amount of protection. Others don't legally mandate the coverage.
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    Learn the classification of your particular ATV. Off-road vs. on-road, the number of wheels, and whether or not it's specified for passengers will all play a role in your ATV insurance.
    • Purchasing the wrong kind of insurance for your ATV may invalidate the policy. You'll be responsible for damages and repairs personally and out of your own pocket.
    • If you're not certain about the insurance and vehicle classification for your ATV, consult with the dealership where you bought it.
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    Get quotes from at least 3 insurance providers of ATV insurance. This will help you make sure you get the best price for your coverage.
    • Talk with the insurance agent or company that provides your current auto, homeowner's, life and other insurance policies. Most companies will grant multi-line discounts that will save you on the premiums for your ATV policy.
    • Get some quotes from insurance companies that specialize in high-risk, recreational vehicle and ATV policies. By serving a niche market, these companies can cut costs that equate to quicker and less expensive service for you.
    • Compare only similar policies when doing your price analysis. For example, it's not helpful to compare a policy against another with half the maximum coverage.
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    Invest in a comprehensive coverage policy if you can afford it. Damage in ATV accidents is more likely to ding up your vehicle than do actionable damage to other people's property.
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    Maximize your deductible. Although a low deductible saves you short-term money if you make a claim, a high deductible will reduce your monthly premiums on your ATV insurance enough to make up for up to one accident per year.
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    Review your policy annually to make sure you still have the best ATV insurance to serve your needs.


  • Be prepared for expensive premiums. ATVs are risky vehicles to drive, both in terms of damage to the ATV and injuries to the driver. This risk is reflected in high premium costs.

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