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Off-Road and ATV Insurance

Off-Road and ATV Insurance In Guilford, Connecticut

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Only an off-roader can understand the passion and the drive that we regular drivers can never grasp. Off-roading is an obsession. So before the passion and obsession take over and you forget the basics, get your off-road vehicle insured because where the road ends, more problems for the ATV begin.

Off-road vehicle insurance is designed to cover ATVs, golf carts, dirt bikes, dune buggies, utility vehicles, snowmobiles, go-carts, and other work-related or recreational vehicles . Many people assume that their homeowner or auto insurance will cover such vehicles. Still, they often provide little, if any, of this type of specific insurance. An off-road vehicle policy is the best way to ensure the protection of your vehicle, whether it is in current use or storage.

Suppose you assume your off-road vehicle is already covered by your existing homeowners or car insurance policies. In that case, you’re in for a big surprise. Many homeowner policies exclude ATVs, dirt bikes, snowmobiles, and the like, so you could be out of pocket if your vehicle is stolen or damaged. Additionally, standard auto insurance policies typically won’t cover such vehicles, given the unique risks of driving off-road. A specialty off-road vehicle insurance policy will usually be custom-made

Suppose you assume your off-road vehicle is already covered by your existing homeowners or car insurance policies. In that case, you’re in for a big surprise. Many homeowner policies exclude ATVs, dirt bikes, snowmobiles, and the like, so you could be out of pocket if your vehicle is stolen or damaged. Additionally, standard auto insurance policies typically won’t cover such vehicles, given the unique risks of driving off-road. A specialty off-road vehicle insurance policy will usually be custom-made for your off-road vehicle and the way you use it. As with ordinary car or truck insurance, you can choose from several components.

for your off-road vehicle and the way you use it. As with ordinary car or truck insurance, you can choose from several components.

Typically, ATVs cost less to insure than motorcycles. The biggest reason for this lower price is how often people use ATVs. Even ardent enthusiasts generally drive fewer miles and spend less time on their ATVs than a motorcycle driver spends on their bike. Overall this means that there are fewer ATV accidents than motorcycle accidents.

Ultimately what you pay for ATV coverage depends on several factors, some of which are similar to the factors involved in purchasing car insurance. The driver’s age and sex, the age of the vehicle, where they use the vehicle, how often they use it and how much coverage they require all affect the price.

So, for instance, a middle-aged male driver who only uses their ATV on the weekend around their own property and only purchases liability coverage will pay less than a male driver in their 20s who spends more time on their ATV and takes their vehicle to a state park and wants collision and comprehensive coverage.

If you’ve been putting off looking for four-wheeler insurance because of concerns about cost, think about how much more expensive it can be not to carry ATV insurance. If you’re looking for ATV insurance, CompareAquote can help you navigate the different complexities and types of insurance that are available for your ATV, dirt bike, or any kind of all-terrain, off-road vehicle.

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Switch & Save $478 on Average

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Switch & Save $478 on Average

Additional discounts and savings for bundling you home and auto. I can not promise a number.