| All Terrain Vehicles or ATVs are those 3 and 4 | | | | road equipment. If you cover multiple ATV's and dirt |
| wheeled vehicles that can pretty much go anywhere | | | | bikes, your provider may have additional discounts |
| you want to take them. They can be a great deal of | | | | you can take advantage of. |
| fun but also dangerous if the rider is not careful. Dirt | | | | 3. Larger engines can contribute to larger premiums. |
| Bikes also add to the adrenaline rush of off road | | | | If your ATV or Dirt Bike is below a certain size, you |
| entertainment. | | | | may qualify for cheaper insurance premiums. |
| Having the right insurance coverage is key to | | | | However, if you are purchasing a larger machine, |
| ensuring your family or other guest is protected in | | | | they are seen as being prone to more accidents. |
| case of an accident. | | | | Most insurance companies know this and will increase |
| Here are a few things to consider when buying an | | | | the monthly premium to assume that risk. |
| ATV or dirt bike. | | | | In summary if you decide to purchase one more off |
| | | | road vehicles, your homeowner's insurance may not |
| 1. Depending on your location, you may or may not | | | | cover your rides if done off your property. In |
| be covered under your homeowners insurance policy. | | | | addition, state lands may require proof of insurance |
| Depending on where you ride, your own land may be | | | | before they will allow off road vehicles, so having |
| the only place you can make a claim if an accident | | | | insurance specific to these machines may be worth |
| occurs. | | | | the effort and peace of mind. |
| 2. Most people will have more than one piece of off | | | | |