Protect Your Off-Road Adventures

If you’re an adventure seeker who loves exploring the great outdoors on your All-Terrain Vehicle (ATV) or Side-by-Side, having the right insurance coverage is crucial.

ATVs, also known as light utility vehicles (LUVs) or quad bikes, are designed to handle a wide variety of terrain. They feature low-pressure tires, a straddled seat, and handlebars for steering. While some ATVs are designed for a single operator, others, known as tandem ATVs, can accommodate a passenger.

Side-by-Side vehicles (SxS or SSV), on the other hand, are off-road vehicles with at least two seats positioned side by side within a roll cage structure. They have a minimum of four wheels or continuous tracks and are operated using foot controls and a steering wheel. Depending on their use, they may also be referred to as utility task vehicles (UTVs), recreational off-highway vehicles (ROVs), or multipurpose off-highway utility vehicles (MOHUVs).

Our comprehensive ATV and Side-by-Side insurance policies offer a wide range of protections to give you peace of mind as you explore the trails.

Customizable Coverage Options

We understand that every rider has unique needs, which is why our companies offer coverages that can be tailored to your specific requirements. Coverage options vary between companies and include:

• Collision: Protects your ATV or Side-by-Side if it collides with another object, regardless of fault.
• Comprehensive: Covers theft, vandalism, weather-related damage, and other non-collision events.
• Liability: Provides coverage for bodily injury and property damage you cause to others in an accident.
• Medical Payments: Pays for your or your passengers’ medical bills following an accident.
• Uninsured/Underinsured Motorist: Protects you if you’re hit by an uninsured or underinsured driver.
• Accessories and Custom Parts: Includes up to $3,000 in coverage for gear and upgrades, with options to purchase additional protection.
• Total Loss Coverage for New ATVs: Pays you the full MSRP if your new ATV is totaled within 1-2 model years.
• Carried Contents: Covers your camping gear, hunting equipment, and personal property.

Discounts to Help You Save

We believe that protecting your off-road adventures shouldn’t break the bank. That’s why our companies offer several discounts to make your ATV or Side-by-Side insurance more affordable:

• Safety Course Discount: Save by completing an approved ATV, motorcycle, or snowmobile safety course within the past 3 years.
• Multi-Policy Discount: Bundle your ATV or Side-by-Side policy with your auto, home, renters, RV, or boat insurance for savings.
• Pay-in-Full Discount: Earn a discount by paying your full premium upfront.
• Responsible Driver Discount: Safe drivers with no accidents or violations in the past 3 years qualify for lower rates.
• Advance Quote Discount: Get a quote at least one day before your policy starts and save.

Easy Online Quotes and Customization

Getting the right ATV or Side-by-Side insurance is simple with our online quote process. Just provide a few details about your vehicle, driving history, and coverage needs, and we’ll generate a customized quote in minutes. Choose basic or ‘full-coverage’ packages or build your own policy with the exact protections you want.

We insure a wide range of makes and models, including popular brands like Polaris, Can-Am, Honda, Yamaha, and Kawasaki. If you already have motorcycle insurance with us, you can usually just add your new ATV or Side-by-Side to your existing policy.

Get the Protection You Need Today

Don’t wait until an accident happens to think about ATV or Side-by-Side insurance. Get your free quote by calling us at (509)783-5600 or complete the online quote request form and enjoy your off-road adventures with confidence, knowing you have the coverage you need at a price you can afford. Our friendly, knowledgeable agents are standing by to answer any questions and help you find the perfect policy for you and your budget.