Off-Road Insurance

Are your off-road toys covered?

Contact our team today to find out more about:

  • ATV (All-terrain vehicle) insurance

  • Dirt bike insurance

  • Dune buggy insurance

  • Golf cart insurance

  • Snowmobile insurance

  • Any other motorsports insurance

Do You Need Insurance for Your Off-Road Vehicle?

Most specialized vehicles won’t be covered under your standard auto or home insurance policy, especially when you take it off of your property. There are also many national, state, or other public parks that require this insurance.

Keeping Insurance Costs Low

There are a number of factors that affect the cost of this specialty insurance. Here’s how you can keep those rates as low as possible:

  • Be safe. This may be common sense, but it’s true for any insurance policy. Insurance companies give the lowest rates to those who have had the fewest accidents, and this type of specialty coverage is no different.

  • Choose your vehicle carefully Some models of ATVs and other off-road vehicles are considered more aggressive machines, and typically cost more to insure. We advise you get quotes before you purchase.

Good Coverage. Great Times

Every specialty vehicle policy is unique, but the following is a quick rundown of the some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies:

  • Collision coverage pays for covered damage to your vehicle if you hit another vehicle or object.

  • Property damage liability coverage insures you against certain damages caused to another person’s property. It may also provide you with a legal defense for such claims if someone files a lawsuit against you.

  • Bodily injury liability coverage insures you against certain damages if you injure or kill someone while operating your vehicle. This may also provide you with a legal defense.

  • Comprehensive physical damage coverage pays for covered losses resulting from events other than collision, such as fire, theft, or vandalism.

Let us help make sure you’re covered when you hit the trail. Talk to us today to find out how to get the best price and value on motor sports insurance that’s right for you.