ATV Insurance & Off the Road Protection Coverage
How and where you ride your ATV help determine the type of ATV insurance and how much off the road protection coverage you’ll need. Whether you’re riding your ATV every day or occasionally on the weekends, accidents can happen at any time.
Our trained specialists from the AARP®
Auto and Home Insurance Program at The Hartford1
will to help guide you through the details, so you can feel confident you’re getting the right coverage at an affordable rate. Get an ATV insurance quote today by calling 888-546-9099
Important Insurance for ATV Coverages
You can enjoy riding your ATV even more knowing you’re covered with these options:
Collision Coverage: Collision coverage helps pay for physical damage to your ATV if for example, you hit a tree, rock, or a fence. If one of these collisions happens, you are responsible for paying your deductible. Your collision coverage from The Hartford will help pay the rest. Collision insurance also helps provide coverage for scratches, dents and other cosmetic damage to your ATV that are sustained in a covered accident.
Liability Coverage: ATV Insurance offers bodily injury and property damage liability to help pay for the costs of injuries to people or damage to property caused by a covered ATV accident, if you are at fault. Liability coverage helps protect you from the costs of claims by others that you caused them bodily injury or damaged their property – for covered accidents up to your policy limits.
Medical Payments Coverage: Medical Payments coverage from The Hartford helps cover medical care, rehab, recovery and remedial care for you and your family after an ATV accident.
Additional ATV Insurance Coverage Options
Want even more protection? Customize your ATV policy even more by adding more coverage. Take a look at the broad range of optional coverage you can get for your ATV:
Increased limits of liability
Optional equipment coverage, including towable trailers or sleds made for use with an ATV
Not all coverages are available in all states.
How to Lower Your ATV Insurance Cost
There are many factors that can affect ATV insurance cost – some are out of your control, while for others, there are things you can do to help keep your ATV insurance rates lower. Here are three important ways you can influence your premium costs:
Bundle Insurance Policies: If you have more than one ATV or additional vehicles insured with the same insurance company, you may be eligible for bundling discounts.
Ride Safely: If you have violations on your driving record or a history of claims on your ATV insurance policy, your rates may be higher than if you have a pristine driving record and no prior claims.
Select the right ATV: ATVs that are considered more risky than others, for example, if they are larger, have bigger engines (i.e. higher displacement,) they may cost more to insure.
How to Get an ATV Insurance Quote
ATV insurance from The Hartford offers coverage options and convenience so you can find the policy that’s right for you. To learn more about ATV insurance from The Hartford, call 888-546-9099
. We can help you make the right decision when you looking for ATV insurance.