Do you have ATV Insurance?

[quadcrazy]

What is your take on ATV Insurance? Do you have ATV Insurance? If so, through which company and why?

We'd like to hear our member's opinions on ATV Insurance. Please vote on the poll.

[micorps]

Since I am military, i have mine insured through USAA. They cover collision damages, theft, storage damage, transportation damage, a bodily injury for anyone riding my quad. My buddy has it also and they covered his repairs on his brut force 750.

[Desert-Hawk]

Yes I do

It's a requirement here to become

'Street Legal'

[Ajmboy]

I have Progressive and also because I am financing the quad, so if something should happen.....

[quadmaniac]

I do not have any insurance at this time.....maybe I should...

[Sc0tt]

I do not have insurance on my quads right now. I definitely will consider it though.

[Admin]

Here are some links:

[mywifeknowseverythin]

I dont,,,,,They wont insure my Trikes and they want too much for the Quads.....Besides....Quads are just Throw away's anyway....

[quadmaniac]

LOL....why is it they don't insure trikes? Too dangerous?

[micorps]

I tried geeting insurance through geico because they are a sponsor of the gncc circuit but wouldnt insure me because i raced.....they said they sponsoring was just for advertisment. So they lost the insurance on my truck, quads, snowmobiles, and toy hauler.

[quadmaniac]

Good screw them! I use AllState insurance.

[Ajmboy]

LOL...looks like with the folks here we are at 60%/40%

[Paladin]

Yup- Full coverage on both. Costs me $126 a year for both.

[BuckBilly]

You bet I do! On the wifes and mine.

[quadmaniac]

Well, out of 12 people that voted, looks like it's almost split down the middle.

[DeadAim]

Iv got Insurance on both my snowmobile and quad through State Farm.. For Bodily Injury/Property damage liability, and medical payments. Havnt had to use it yet though *knocks on wood*

[LTZ_400rider]

I tried to get insurance on my LTR450 and it was with USAA and I think they quoted me like 500.00 every 6 monts thats more than my truck. If it was cheaper I would. I am the only one that rides my bike but what if you have a hit with another quad? before too long it will be like car insurance espically if your at large gatherings like the sand dunes on weekends. Who knows what will happen.

[fox300exchic]

We dont have insurance on ours but once the little guy really starts riding we will look into it.

[wheeler0801]

my husband has full coversage on his '08 450r...which costs us about $45/year....I need to get some on my 400ex...just haven't yet but now that I'm into racing more, I will be getting it soon!

[08raptor350]

i used to have insurance onmy bike but after i really looked into it insurance really doesnt cover all that much when you think of what will actually happen out there in the trails like colliding with another rider...which they wont cover you btw....the only thing that insurance covers up here in canada is fire and theft...im not worried about either so i pulled my insurance plus i saved a $1000 a year...it just seemed like a waste of money...plus they always want the whole year paid in full...lets face it some people just dont have thousands sitting in their bank accounts...i know if my bike ever gets stolen ill have to worry about it but my bikes under lock and key...the rappy is the only thing i own that doesnt have insurance...

[Guest]

Have coverage on the quad and trailer......until I do more research, my line of reasoning is better safe than sorry here in NY.

Plus, most, if not all of the charity/poker runs require NYS reg and insurance.....and I won't even start to talk about NYS reg!!!!!!

Tom D

[HvPhotog]

Like tom above i have it in NY to ride in certain runs and parks here in NY. Pa and Mass doesnt cost my for basic about 80 a year for both quads through progressive..

Chris

[Ajmboy]

LOL...looks like with the folks here we are at 60%/40%

It's 50/50 now.....

[BuckBilly]

It's 50/50 now.....

Half is better than none!

[dirtdevil96]

I use Progressive on my new quad and no insurance on the old one.I'm high risk(too many speeding tickets in my project car).It costs me 500 per year for full coverage plus bodily harm insurance.I've started slowing down on the streets and am looking for ways to get faster in the dirt lol.After I get the old quad to the point where it's rideable more than broken I'll probably get it insured also...

[micorps]

I tried to get insurance on my LTR450 and it was with USAA and I think they quoted me like 500.00 every 6 monts thats more than my truck. If it was cheaper I would. I am the only one that rides my bike but what if you have a hit with another quad? before too long it will be like car insurance espically if your at large gatherings like the sand dunes on weekends. Who knows what will happen.

Wow, I pay about $120 for the year and I can smack it into a tree and get it fixed

[racegun_2011]

Don't have any insurance on our toys.....We use State Farm on our house, camper and three vechicles.....know of several folks that have insurance on their quads with State Farm in different parts of the country and only pay around $130.00 a year.....well we have so many quad thefts in this part of the country that ours would run just over $300.00 a year for each of our quads.....you would think that we would get some kind of a discount with everything else insured but not living here

[wheeler0801]

wow, now that sucks.......i hope you have a super alarm system on the garage you keep the wheelers in too many get stolen these days.

[HvPhotog]

Don't have any insurance on our toys.....We use State Farm on our house, camper and three vechicles.....know of several folks that have insurance on their quads with State Farm in different parts of the country and only pay around $130.00 a year.....well we have so many quad thefts in this part of the country that ours would run just over $300.00 a year for each of our quads.....you would think that we would get some kind of a discount with everything else insured but not living here

Did you try AIG or Progressive?

Chris

[racegun_2011]

wow, now that sucks.......i hope you have a super alarm system on the garage you keep the wheelers in too many get stolen these days.

We have a storage container that they stay locked up in and have two Rotties that guard it pretty good

And no we haven't checked with any other insurance companies.....State Farm has always treated us right with our house and vehicles....maybe when the kids are out of the house I will be able to afford another $1500 a year on em