saving more on ATV insurance
ATV insurance offered through Esurance is affordable, but we've got some tips on how to save even more.
The costs
The savings
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The costs
How much is ATV insurance?
Since many factors contribute to the final cost of a policy, including your driving record, levels of coverage, type of ATV you're insuring, etc., it's difficult to provide a general price.
In the end, there's only one way to find out — and it only takes a few minutes. Get a free ATV insurance quote to see your options and determine the cost of your policy.
What factors affect the cost of my ATV insurance policy?
Examples of factors that impact your insurance premium include your driving history, type of ATV, and levels of coverage. If you have a clean driving record and are an experienced rider, this might lower rates. And if you're a new rider with a clean record, you can qualify for a discount by taking an approved safety course.
The type of ATV you want to insure will also affect your rate. ATVs generally come in 3 forms: utility, sport, and 4x4. Utility ATVs are usually used for work on private property and don't cost as much to insure. Sport ATVs, which tend to see rougher action, are more expensive to cover because of the increased risk of a crash or breakdown. And since 4x4s weather the toughest off-road trails, they're the most expensive to insure.
Additionally, your ATV's year, make, and model; the coverages, limits, and deductibles you choose; and various other factors will affect your final rate.
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The savings
How can I save on my ATV insurance? What sorts of discounts can I get?
When you get ATV insurance through Esurance, you may be able to take advantage of several discounts. If you insure more than one ATV under the same policy, you could receive a discount of 10 to 35 percent depending on the number of vehicles. And if you're a super-safe driver and have zero at-fault claims on your record, you could qualify for the Responsible Driver discount!
Here are a few other discounts that might be available:
- Claims-Free Renewal
- Homeowner
- Paid-in-Full
- Prompt Payer
- Responsible Driver
- Safety Course
- Motorcycle Association Membership
Will the way I make payments affect my total ATV insurance policy cost?
Yes. If you choose to pay your premium in one lump sum, you can save more through the Paid-in-Full discount. Other payment options are available but are not discounted and may have installment fees.
I don't use my ATV very often. What's the cheapest form of insurance I can get?
Liability insurance, the minimum coverage offered through Esurance, costs less than other options. However, cheaper policies often mean less coverage, leaving you to pay more out of pocket if an accident occurs. To save money on ATV insurance, balance affordability with sufficient coverage.
Still curious about something? Shoot an email to partnerproducts@esurance.com and you'll have your answer in no time.
This page is intended to provide you with general information about ATV insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, including limitations and exclusions, we encourage you to read your policy contract and consult your insurance representative with any questions.