Save Money, Keep Coverage
Several factors can affect the cost of insuring a specialty vehicle. So what can you do to help keep your rates low?
| Be Safe: |
If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher. |
| Choose Your Vehicle Carefully: |
Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure. |
| Own More Than One: |
With many carriers you can receive a discount if you insure more than one specialty vehicle on your policy. |
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 when in a collision with another vehicle or other object. |
| Property Damage Liability Coverage: |
Insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party 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 coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you. |
| Comprehensive Physical Damage Coverage |
pays for covered losses resulting from incidents other than collision – like fire, theft, or vandalism. |
