While there is no state requirement for insuring your quad bike for off-road purposes, there are major benefits to having this type of coverage. This is especially true if you compete in races or ride your quad bike regularly. Plus, you may need road-legal quad bike insurance if you plan to ride along the streets and roads to get to your destination.
Why Have Insurance for Your Quad Bike?
It may be harder to justify getting insurance for a strictly off-road quad runner or bike. However, even though they are stable and less prone to accidents, they can still be damaged in collisions, and the drivers can also be injured.
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The cost of this type of insurance will vary depending on several factors. Generally speaking, it can range from $300 to $500 per year for off-road bikes, while on-road bikes may be more expensive because of additional requirements and for younger drivers or those with poor driving records.
Types of Quad Bike Insurance:
There are two basic types of insurance policies, on-road and off-road. Your state may require basic insurance coverage if you plan to drive your quad runner on the road. However, off-road insurance is generally much less expensive with no state requirement. However, many off-road riders purchase fire and theft insurance, the most common type of incident.
Comprehensive: The most complete and most expensive form of insurance for quad bikes. This covers property damage, personal injury, theft, fire, and many other incidents.
Liability & Uninsured Motorist: This is generally the minimum insurance you will need to purchase for on-road quad bikes.
Fire: Although rare, a fire can destroy your quad bike, which means that this coverage will cover the repair cost or pay for a cost-equivalent replacement.
Theft: While somewhat more difficult to steal than a motorcycle, quad bike theft is still rampant, and having this type of protection will pay dividends in case the worst should happen.
Other types of insurance coverage for total loss, extra equipment, and the like exist. You will need to check with the insurance company or agent for the full available line.
How to Find the Right Insurance?
You can find affordable quad bike insurance simply by choosing the right type and searching for discounts that will help you save money. The cost of quad bike insurance will depend on several factors;
- On or Off-Road
- Type of Insurance
- 125cc Engine or Above
- Personal Driving Record
- Age of Driver
You can bundle the coverage with your auto or home insurance to save money. In addition, a higher deductible will lower the premium rates as well.
One excellent way to save is by looking for a quad bike insurance quote online from different companies. You simply enter some information, and you’ll get a free quote. By comparing quotes, you can choose the right one that fits your needs. In the end, finding cheap quad insurance that covers your investment will provide you with the financial protection needed to bring peace of mind.
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