ATVs, UTVs and dirt bikes are big investments, so why wouldn't you insure them? When riding, so many things can go wrong. You could crash into a tree, hit a groundhog hole or even hit another rider – all of which could cause extensive damage to the machine and cost you a lot in repairs. If you don't have insurance on your ATV, UTV or dirt bike, now is the time to consider getting it. How much coverage do you need? What will the policy cover?

Comprehensive Coverage

At the very least, you should have comprehensive coverage on your machine. Don't assume that your homeowners insurance policy will cover your machine if it is stolen from your garage, because most of the time, it won't.

The comprehensive coverage will cover theft, vandalism, flood damage or any other damage that has occurred due to a natural disaster.

Collision Coverage

When you are out riding on trails, you chance hitting a tree or crashing into another rider. When you do, your machine will be damaged and the cost to make those repairs can add up very quickly. Collision coverage will cover the cost of those repairs, minus the deductible.

Property Damage Liability

While riding, there is always a chance of damaging someone's property. You could smash into their fence or maybe hit their car. When this happens, you are responsible for the damages. The property damage liability coverage will cover the cost of those repairs, minus the deductible.

Bodily Injury Liability

Injuries while riding happen all of the time. If you are responsible for the injuries that another person sustains, you will be responsible for their medical treatment. The bodily injury liability coverage will pick up the cost of the medical treatment, as well as the treatment they may need as they recover.

Cost of ATV Insurance

What keeps many people from getting insurance for their machines is that they don't know how much it will cost. The actual cost of the insurance will depend on your age, where you live, the type of machine that you drive and even your credit score.

The best way to know how much your ATV insurance will cost is by talking with your insurance provider. He or she will be able to walk you through the process and give you a good estimate for you to weigh against what it would cost you to replace the machine if it is stolen or to make repairs each time you crash. To learn more, speak with a company like House-Chilson & Associates.