ATV (All-Terrain Vehicle) and UTV (Utility Terrain Vehicle) insurance are specialized coverage plans designed to protect off-road vehicles used for recreation, work, or both. ATV insurance typically covers damage to the vehicle, liability for injuries to others, and even theft. Here at Snyder Insurance Agency (SIA) we truly believe in the “work hard, play hard” mentality. We want to make sure you are protected adequately when working or playing on your ATV!
ATV insurance typically covers bodily injury liability (injuries you cause to others), property damage liability (damage you cause to other people's property), collision (damage to your ATV from collisions), comprehensive (damage to your ATV from events like theft, vandalism, fire, and animal collisions), medical payments (medical bills for you and your passengers), and accessories/custom parts/equipment (CPE) coverage (damage to upgrades and customizations, often included with comprehensive and collision, with options to increase limits). Some policies also offer optional coverage for personal belongings (damage to your personal items while riding).
As an independent insurance agency, we have access to multiple companies when quoting individual policies. Progressive Insurance offers several discounts for ATV insurance, including discounts for completing a safety course, bundling multiple policies, paying your premium in full, having a clean driving record (no accidents or violations), and getting a quote in advance of your policy start date. They have become a company that offers competitive pricing and an array of coverage when it comes to protecting your “toys.”
