Tips To Ensure Your Atv Is Properly Covered

By Author: Jesus R. Olivares
Total Articles: 24
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When it comes to your all-terrain vehicle (ATV), it pays to keep your feet on the ground when it comes to insuring it. You may think it’s covered by your home-owners policy, but are you really protected? Your “toy” wasn’t cheap, and lacking the right type of insurance coverage could lead to a sticky financial situation.

“Some coverage is provided by your homeowners policy, but it is very limited. In most cases it will only cover the ATV if it is damaged while in the property. Also, the homeowners liability insurance will not always extend; especially if the ATV is being used as a motor vehicle on the streets. It get tricky so I highly recommend a motorcycle insurance policy for your ATV. Its not that expensive at all!” says Jesus Olivares from Texas Prime Insurance a local independent insurance agency out of Austin, TX.

“Owners should think of ATVs the same way they think of motorcycles,” said Lucas Ziegler, of Texas Prime Insurance. “You’d never consider getting on a motorcycle without the proper motorcycle insurance in Texas, and you shouldn’t ride an ATV without the right coverage either.” ...
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If you’re not sure what to do about your ATV insurance in Texas, here are a few things to consider:

Your homeowners policy might not be enough. Most likely, your homeowners policy only covers your ATV if trouble occurs on your property. Anywhere else and you’ll be exposed. Look for an affordable ATV insurance policy that offers coverage no matter where you are. Trail riders should be aware that many states require ATV insurance for vehicles operated on state-owned land.

What about theft? ATVs are portable and can be easy targets for thieves. You should consider ATV insurance that provides coverage for things such as theft, fire and vandalism—just like the kind you can get for a motorcycle. Theft, fire and vandalism are covered by Comprehensive coverage, an optional physical damage coverage on a Texas motorcycle insurance policy.

Consider uninsured and underinsured coverage. You never know what can happen in the great outdoors. This relatively inexpensive coverage protects you if another rider causes damage to you and he or she lacks adequate coverage.

Keep your rates low. You can do a number of things to save money on your ATV insurance, including maintaining a clean driving record, staying free of claims or choosing a less “sporty” ATV. In addition, most insurers offer a discount if you insure more than one vehicle on your policy, or have more than one policy with the company. This could mean additional savings on your car, motorcycle, boat or RV insurance.

“Most insurance companies also offer a multi policy discount. This discount can mean the ATV insurance policy can pay for itself because you can receive up to a 10% discount on the auto and a 5% discount on the home. It simply makes economic sense and it makes sense from a protection point of view to have a motorcycle insurance policy for your ATV,” says

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For more information about Motorcycle Insurance in Texas And ATV insurance in Texas Visit www.texasprimeinsurance.com