ATV Insurance, Dirt Bike Insurance, Golf Cart Insurance and More!
Living in the Northwest allows us the opportunity to be outside year round for some great recreational activities! If your activity involves an auto, talk to one of Hukari’s knowledgeable agents so you can enjoy your activity without worrying about your coverage.
Call a qualified Hukari Insurance Agent today to talk about:
- Sand Rail (dune buggy) Insurance
- Golf Cart Insurance
- Snowmobile or Snow Machine Insurance
- Dirt Bike or Motocross Insurance
- Quads or ATV insurance
- All of your other specialty vehicle insurance!
Many coverage options are available for the specialty vehicles listed above including, collision coverage, property damage liability coverage, comprehensive coverage, custom parts and equipment coverage and more!
Three Tips To Help Your Vacation Get Off To A Worry-Free Start
With vacation season in full swing, you may be in the process of planning an annual getaway. While most people spend lots of time looking for ways to maximize their budget, one costly decision is often left to the last minute—whether to buy the optional insurance offered by a rental car company.
“Deciding whether to buy ‘damage waivers’ or insurance at the rental car counter can be a confusing experience—especially if you don’t know if you’re already covered by your personal auto insurance policy,” said Rick Crawley of the Progressive Group of Insurance Companies. “Optional rental car insurance can cost between $7 and $25 per day, depending on the rental car company, vehicle make and model and type of waiver. Those daily charges can significantly add to the cost of your rental.”
Follow these three tips, to help you decide whether or not you should buy the coverage:
1. Consult with Hukari Insurance; as licensed insurance professionals, independent insurance agents and brokers can review and evaluate your policies to find out if the coverage you have on your personal vehicle provides protection for you in a rental car.
2. Check with your credit card company. Some credit card companies provide coverage at no charge if you use their card to charge the cost of the rental. However, some restrictions may apply so be sure to ask for a description of the exact coverages provided.
3. Take your personal auto insurance policy and details of your coverages with you to the rental car counter. You may be asked a question that these papers can help answer—or, if you’re in doubt, you’ll have your agent’s name and phone number readily available. “We want people to have the information they need to make more informed decisions about car insurance,” said Crawley.
“Knowing whether you need to buy additional coverage can save you money and give you peace of mind so you can enjoy your vacation. Don’t start off your trip questioning your decisions—take control by talking with your independent agent or broker and knowing the answers to those inevitable questions.”
Frequently Asked Questions about ATV Insurance
How much is ATV Insurance?
The cost of ATV insurance depends on several factors including, but not limited to: the driver, the vehicle being insured, your claims history and your credit. It also greatly depends on what coverage you decide to purchase such as comprehensive, collision or custom parts and equipment.
Do I need insurance for an ATV?
Whether or not ATV insurance is required varies by state and usage. For instance, if you are operating the vehicle on public land, you may be required to carry liability coverage on the ATV. Or, if you are operating the vehicle on private land or a farm, it may not be required. One last thing would be if you financed your ATV. If it is financed it is likely the bank would require you to carry full coverage on the vehicle. Check with your local insurance agency to determine what laws exist in your area.
What types of vehicles is ATV insurance for?
ATVs go by many names such as: 4-wheelers (or quads), 3-wheelers, UTV (or utility vehicles), Side-by-Sides (or SxS) and Six-Wheelers.