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 on a regular basis. Plus, you may need road legal quad bike insurance if you plan on riding it along the streets and roads to get to your destination.
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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 very stable and less prone to accidents, they can still be damaged in collisions and the drivers can be injured as well.
The cost of this type of insurance will vary depending on a number of 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. If you plan on driving your quad runner on the road then your state may require basic insurance coverage. However, off-road insurance is generally much less expensive with no state requirement. However many off-road riders do purchase fire and theft insurance which are the most common types of incidents that occur.
Comprehensive: The most complete and most expensive form of insurance for quad bikes. This covers property damage, personal injury, theft, fire and many other types of incidents.
Liability & Uninsured Motorist: For on-road quad bikes, this is generally the minimal amount of insurance that you will need to purchase.
Fire: Although rare, a fire can destroy your quad bike which means that this coverage will cover the cost of repair 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.
There are also other types of insurance coverage for total loss, extra equipment and the like. You will need to check with the insurance company or agent for the full line that is available.
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 for 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 try to 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 in return 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 which will bring peace of mind.