All-Terrain Vehicle (ATV) Coverage Insurance: Adventure Protection with No Boundaries
Ranchers, hunters, trail riders or any off-road adventure seeker, we know you love your all-terrain vehicle (ATV). ATV insurance from Progressive is what you want to get more riding protection and therefore freedom.
Many states mandate ATV coverage for vehicles operated on state-owned property. Your homeowners policy may not always cover your ALL-TERRAIN VEHICLE when you go riding it somewhere besides your own property. Progressive ATV insurance does.
Very much like our progressive motorcycle insurance, Progressive offers a variety of ALL-TERRAIN VEHICLE insurance coverage types.
ATV coverage types Progressive offers:
In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ALL-TERRAIN VEHICLE if it’s caused by an event except for a collision. For instance, if your ATV is burnt by fire, theft, vandalism, water damage, or an animal, Comprehensive coverage will most likely apply. You just pay the insurance deductible you opted for, and your ATV insurance policy will pay for the rest.
Collision pays for physical damages to your ALL-TERRAIN VEHICLE if you hit another ATV, a tree, a parked vehicle, a large boulder, a tree stump, a barricade, or other obstruction. You just pay for the insurance deductible you decided on, and your Collision insurance coverage will pay for the balance. Collision also ensures coverage for scrapes, scratches, small dings/dents, and other cosmetic/non-structural damages.
Bodily Injury & Property Damage Liability
ALL-TERRAIN VEHICLE insurance policy coverage offers Bodily Injury and Property Damage Liability to take care of personal injuries to people or damages to property caused by your ATV. Liability insurance coverage also safeguards your assets, up to the limits you select.
If the person at fault for a collision does not own insurance – or does not possess sufficient insurance – Uninsured/Underinsured Motorist Bodily Injury will cover injuries and losses you sustain that the at-fault party is by law responsible for, like medical treatment and lost earnings. You simply choose the amount of ATV insurance policy coverage you like, and you’re protected up to those limitations.
You need to select the best ATV insurance company for your needs, and we make sure to supply you with the needed information to make the right decision today, tomorrow, or whenever you’re ready. Our ATV insurance options are convenient, easy, and available 24/7 online and by phone. We’ll help you with your Progressive ATV insurance quote every step of the way, too.
How to Get Affordable ATV Insurance
Several factors can affect your ATV insurance rate. You may not be able to control them all, but there are a few things you can do if you have ATV insurance coverage and want to keep your rates low:
If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher.
Choose your ATV carefully.
ATVs with higher displacement, or those that are considered more aggressive machines, typically cost more to insure based on the history of claims for those vehicles.
If you have more than one ATV, insure them all with one policy for a discount. You might also have other recreational vehicles like a motorhome, Jet Ski or a boat. Combining policies always saves money.