Should I insurace my ATV?
#13
![Default](https://atvconnection.com/forums/images/icons/icon1.gif)
I'll agree with insurance for a new ATV. I wouldn't want to be paying on a ATV that I can't afford to make ridable or that isn't in my possetion.
However I don't have a new ATV,. I have a '85 ATC. There is no point in insuring a 15 year old machine that you paid cash for and can afford to replace. With that in mind, what about liability insurance? Is it worth it? Obviously I would need to check with my rental insurance policy to see what it covers.
I hate insurance, it is immoral. However we are stuck with it, and with as many lawyers as we have around you can't live without it for many things. Is this one?
However I don't have a new ATV,. I have a '85 ATC. There is no point in insuring a 15 year old machine that you paid cash for and can afford to replace. With that in mind, what about liability insurance? Is it worth it? Obviously I would need to check with my rental insurance policy to see what it covers.
I hate insurance, it is immoral. However we are stuck with it, and with as many lawyers as we have around you can't live without it for many things. Is this one?
#14
![Default](https://atvconnection.com/forums/images/icons/icon1.gif)
just thought i'd drop a line here--
Just got insurance thru weinsurefun.com after getting much higher quotes from other sources. Here is the low down:
I am 24. I am single. I have 2 tickets in the past 3 yrs. I have a Rancher ES 4x4.
Quotes I recieved for full coverage damage, theft, and 20/40 liability.
ATVline.com $ 466.70
Progressive $ 552.00
weinsurefun.com $ 165.00
all these quotes are for 1 yr of coverage, with $250 deductible. Why are they so far apart? I have no clue.
Just got insurance thru weinsurefun.com after getting much higher quotes from other sources. Here is the low down:
I am 24. I am single. I have 2 tickets in the past 3 yrs. I have a Rancher ES 4x4.
Quotes I recieved for full coverage damage, theft, and 20/40 liability.
ATVline.com $ 466.70
Progressive $ 552.00
weinsurefun.com $ 165.00
all these quotes are for 1 yr of coverage, with $250 deductible. Why are they so far apart? I have no clue.
#16
![Default](https://atvconnection.com/forums/images/icons/icon1.gif)
Here is something you might not know. If you are carrying you ATV in your truck or pulling it on your trailer, and you have a wreck, say a tire blow on the trailer and it flips. Or you fall asleep and run off the road... Your car insurance will not cover your ATV. If you are hauling someone elses, it will cover theirs as a liability loss.
I had an XR-400. New in 97, and just before I got it went riding in the forest. Met up with a guy in the parking lot who had hit a tree with his XR. When I got home, I priced the front forks, front rim, triple clamp, etc.... Everything but the brake line. Close to $1500.00 in just parts. And the bike only cost $4600 new. I went right out and insured it for theft and collision, and liability.
Think about it. It makes since, and isn't really that expensive.
Ride Red,
Gary
I had an XR-400. New in 97, and just before I got it went riding in the forest. Met up with a guy in the parking lot who had hit a tree with his XR. When I got home, I priced the front forks, front rim, triple clamp, etc.... Everything but the brake line. Close to $1500.00 in just parts. And the bike only cost $4600 new. I went right out and insured it for theft and collision, and liability.
Think about it. It makes since, and isn't really that expensive.
Ride Red,
Gary
#17
Thread
Thread Starter
Forum
Replies
Last Post
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)