Golf Cart, Four Wheeler & Dirt Bike Insurance

Most homeowners and auto insurance policies don’t cover off road vehicles such as golf carts, four wheelers or dirt bike especially when you are not on your own property.  Many state and national parks require insurance if you want to ride in their parks.
We offer coverage for the following:

• Golf cart insurance
• Dune buggy insurance
• All-terrain vehicle (ATV)
• Dirt-bike insurance
• Snowmobile insurance

Some of the coverage options that are available are:

• Comprehensive physical damage coverage – pays for covered losses resulting from incidents other than collision like fire, theft or vandalism.
• Collision coverage – pays for covered damage to your 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 vehicle. 
• Bodily injury liability coverage – insures you against certain damages if you injure or kill someone while operating your vehicle.

Several factors can affect the cost of insuring a specialty vehicle.  So consider the following tips to help keep your rates low:

• 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 ATV’s snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure.
• Own and insure more than one – with many carriers you can receive a discount if you insure more than one specialty vehicle on your policy.