25329 Interstate 45 N, Suite 101 The Woodlands, TX 77380

1-866-TEXAS-45
(1-866-839-2745)

Our Texas Insurance Policies & Coverages

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Cover Your ATV

We know you love your all-terrain vehicle (ATV), whether you're a rancher, hunter, or trail rider. We also know that you don't want your ATV to be damaged or stolen. Proper insurance can help you protect your investment.

What kind of coverage do you need?
Most states don't require ATV insurance, but your homeowners policy may not cover your ATV if you're away from home . That leaves you with a number of insurance coverage options:
Comprehensive coverage
This covers the loss of your ATV and/or ATV trailer due to theft, fire, vandalism, or other similar damage. You can choose the deductible that's right for you.
Collision coverage
This covers damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post or other obstacle. Again, you choose your deductible.
Liability coverage
This covers damage done to people or vehicles and protects your assets. You select the limits to suit your needs.
Uninsured and Underinsured coverage
This relatively inexpensive coverage protects you if another rider causes damage to you or your vehicle and has inadequate coverage.
What discounts are available?
Many insurance companies offer discounts to help lower your premium. Progressive offers the following discounts for ATVs in most states:
A discount for completing and approved ATV safety course.
A discount for owning and insuring multiple ATVs.
A discount for being a member of associations such as the Harley-Davidson Owners Group (HOG), American Motorcyclist Association (AMA) or the Honda Rider's Club of America (HRCA).
Progressive will also include your trailer as part of your ATV insurance.
How can you keep your insurance rates low?
Several factors will affect your insurance rates. You can't control all of the factors that apply to you, but there are a few things you can do:
Ride carefully.
If you have more claims on your policy, your rates will be higher.
Choose your ATV carefully.
ATVs with higher displacement, or those that are considered more aggressive machines, typically cost more to insure based on the likelihood of claims.
Buy more ATVs!
You'll receive a discount if you insure more than one ATV on your policy.

 

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