Insurance for your Off-Road Vehicles
It’s the Winter Season and many of us look forward to this season to get out on our snowmobiles and ATVs. Whether you just purchased a new off-road vehicle or pulling an old one out of the garage you should to be sure you are covered by insurance.
Several factors can affect the cost of insuring a specialty vehicle. So what can you can 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.
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.
Have any questions regarding whether you are covered correctly for your off-road vehicle? Give us a call at Penny Hanley & Howley Insurance to go over your options.
Protecting YOU is our Job.
860-684-2721
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