Hey I was wondering who everyone uses to insure there quad? What does a policy cost around ?

 

I don't have my quads insured. Our household policy covers them here because they are not licensable vehicles. They are considered our personal property.

 

I have state farm its aprox. $135.00 a year per quad with full coverage.
rich

 

I'm in Ohio. I asumed that my home owners insurance would cover my atv also. I called my agent to make sure. He told me that my home owners insurance would not cover my atv. I got full coverage with a $100 deductible from State Farms for $149 a year on my 2003 Polaris Trailblazer 250. I haven't put insurance on my 2003 TB 400 yet.

 

got mine with polaris about 140.00 a yr,i was also told from my insurance agent if the vehicle has a title its not covered under homeowners polices,i guess illinois is different or u need to double check

rodman

 

Is registering a quad like a car, I need to have insurance before getting it registered and anyone know about what reg fees are in NJ?

thx

 

I did recently have to double check all the insurance stuff. I had a garage fire on 1/2/02. Lost the whole garage and contents. Fortunatly, my quads I had at the time were at my dad's house. We had rode the weekend before. I did have a street bike in the garage. It was an older bike that I was in the process of restoring. I didn't have insurance on it yet because it wasn't done at the time. I found out the hard way that because it was a street licensable vehicle it was not covered on my personal property insurance. That is what brought up the question with my agent of what would happen had the atv's been there. I was told that they would be covered even though they had a title. They were not street licensable which would require it's own coverage. This would only cover loss in a fire, theft, etc. I don't have coverage for accident or property damage caused by my atv.

 

n.j. atv registration is $10.00 a year and you have to have ins. to register it.
rich

 

Thanks Rich, who did you use and did you shop around first?

 

I dont think too many ins. companies cover atvs. I have state farm for everything from house to atvs. my sportsman 700 is 156.00 a year full coverage with 200 deductible.
rich