save on ATV insurance
We've worked hard to find a partner that can offer you good deals on top-notch ATV insurance. But along with these already-great rates, there are a few extra ways to cut costs.
Your ATV insurance premium
There are many factors that go into calculating your premium, so prices vary from rider to rider. Variables like the type of ATV you insure, the riders you list on the policy, and your own riding experience — to name just a few — can all help determine your premium.
Since no 2 policies are exactly the same, the best way to get a sense of how much ATV insurance will cost you is to get a free quote.
How to keep your ATV premium low
In general, the lower your risk of getting into an accident, the lower your ATV insurance premium will be. While some of these risk factors — like your age, gender, or ZIP Code — are beyond your control, there are a few things you can do to help manage your ATV insurance rate.
And the best way to save? Discounts. Keep the following money-savers in mind when you're shopping for the right policy.
Multiple ATV discount
Having multiple ATVs means 2 things: You can ride in good company and you can score a big policy discount. Multiple ATV discounts can cut as much as 10 to 35 percent from your premium, depending on the number of ATVs you include on your policy.
Some insurers have a limit of 4 ATVs per policy.
Responsible driver discount
If you ride safely and don't have to file any at-fault claims before a policy renewal, you can be rewarded with a safe riding discount. Keep in mind that being responsible doesn't mean always taking the easy trail; it just means knowing the limits of your vehicle.
You wouldn't, for instance, try to negotiate a boulder that has a collection of broken ATV parts around it. (ATVs are more expensive to repair than your pride.) These machines are built to do things other vehicles can't, so have fun — but ride smart and you can earn yourself some savings.
Other possible discounts
- Homeowner discount
- Paid in Full discount
- Prompt Payer discount
- Safety Course discount
- Motorcycle Association Membership discount
Choose coverages that are right for you
There are a lot of different types of ATV riders. Some ride every day while others ride just a few times per year. It's important to choose the right coverage options for your situation. In general, choosing fewer or less-extensive coverage options can help lower your premium, but if you get into an accident without the proper coverage, you could be paying more out-of-pocket.
Basic liability coverage, for example, might be enough protection for the sporadic rider. But for an avid ATV-er, a bare-bones policy may not be sufficient because there's a higher likelihood of injury or property damage.
Start shopping for the right ATV coverage
Now that you can shop for the right policy with savings in mind, give us a call at
1-866-455-1980. We'll walk you through your options and make sure you get the discounts you deserve.
ATV insurance basics
Learn what ATV insurance covers, how your rate's determined, and ways you can save on your coverage.
ATV insurance FAQs
Browse through answers to some frequently asked questions on the ins and outs of ATV insurance.