ATV & Sport Vehicle Insurance
Enjoy worry-free off-roading
ATV & Powersports Insurance
ATVs, UTVs, dirt bikes and other sport vehicles are a great way to enjoy the scenic outdoors around the Springfield and Branson area. Whether you are traveling by dirt bike, 4×4 or even golf cart, the last thing you want to worry about is whether your powersport insurance policy has you fully protected. Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t driving on your own property. In addition, most states will require riders to be properly insured before hitting the trail.
Determine which level of coverage is right for you
Powersport Vehicle Coverage
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Collision Coverage
Collision insurance coverage pays for covered damage to your sport vehicle when in a collision with another vehicle or other object. Property damage liability coverage insures you against certain damages caused to another person’s property while operating your ATV, UTV, dirt bike or other powersport vehicle. This coverage may also provide you with a legal defense for property damage claims if another party files a lawsuit against you.
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Liability Coverage
Liability coverage insures you against certain damages if you injure or kill someone while operating your vehicle. Liability insurance coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.
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Comprehensive Physical Damage Coverage
Comprehensive physical damage coverage pays for covered losses resulting from incidents other than a collision, including nature-related damages, fire, theft or vandalism.
Motorsports Insurance Discounts
Several factors can affect the cost of insuring a specialty sport vehicle. You can potentially receive discounts on your insurance policy if you consider the following points:
- Be safe. If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.
- Choose your vehicle carefully. Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more ‘aggressive’ machines, and typically cost more to insure.
- Own multiple powersport vehicles. With many carriers, you can receive a discount if you insure more than one specialty vehicle on your policy.
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