Lyles Insurance
  • Home - Lyles Insurance
  • About Us
  • Contact Us
  • Blog
  • Request A Quote

Where can I find Insurance on a Polaris RZR that is licensed for road use?

2/20/2018

2 Comments

 
 ***Update (May 16, 2019): Due to changes in Michigan laws, we can no longer insure ATV's or UTV's licensed for road use in the state of Michigan. We can still insure ATV's or UTV's license for road use in Ohio, Indiana, Pennsylvania, Virginia and West Virginia as long as they haven't been given state assigned Vin#'s. Sorry for the inconvenience.





​Finding insurance coverage on A Polaris RZR or any other ATV/UTV is very easy to find.  However, if you decide to have this vehicle licensed for road use, your choices are much more limited.  The bad news is that many insurance companies that cover ATV’s such as a Polaris RZR and will not offer coverage once the vehicle gets licensed for road use.  The good news is that there are still many companies that will.  You just have to dig a little deeper and look in the right places.




     For those of you who live in the states of Ohio, Indiana, Pennsylvania, Virginia and West Virginia, I will be able to help you to personally solve this problem right away. There are companies that will be happy to insure an ATV/UTV regardless of whether or not it’s street legal as long as it is primarily used for off-road activities. This includes both liability only coverage or liability with physical damage coverage (Comprehensive and Collision).
Picture
But before buying ATV insurance or getting a quote, there are four key things you need to be made aware of:


  • Be careful of ATV insurance that is attached to your homeowners policy. Stand alone ATV insurance provides much better coverage (For example, the common homeowner policy only covers ATV's while they're on they're the residence using the ATV to service the property. Many do not provide coverage for recreational use or coverage off of the premises).

  • You can put a lot of coverage protection on an ATV for much less premium than what you may think. Compared to other types of recreational vehicles, insurance coverage on ATV’s and UTV’s is among the least expensive. Keep this in mind when selecting your levels of coverage.

  • ATV's are usually not categorized by itself. Instead they are grouped in with motorcycles and other motorbikes (scooters, mopeds, dirt bikes etc.). Inadvertently, this can sometimes allow you to increase your coverage at no extra charge or dramatically increase coverage for very little extra. This is especially true on liability only policies and older ATV’s.

  • 1/3 of all ATV owners also own a motorcycle. Adding a 2nd vehicle on a motorcycle/ATV insurance policy usually brings huge discounts with it! If you already have a motorcycle insurance policy in force, adding an ATV on the policy (or vice versa) can run as little as $20 extra per year!
   


Get an ATV Insurance Quote with Lyles Insurance


​Call me for a Quote

​
2 Comments
    Picture

    Author

    Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..

    Archives

    March 2021
    November 2020
    September 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    October 2019
    September 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    March 2018
    February 2018
    December 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016
    November 2016
    October 2016
    September 2016
    August 2016
    July 2016
    April 2016
    March 2016
    February 2016
    January 2016
    December 2015
    October 2015
    August 2015
    December 2014
    November 2014
    October 2014
    July 2014
    June 2014
    May 2014
    April 2014
    March 2014
    February 2014
    January 2014
    December 2013
    November 2013
    October 2013
    September 2013
    August 2013
    July 2013
    June 2013
    May 2013
    April 2013
    March 2013
    February 2013
    January 2013
    December 2012
    November 2012
    October 2012
    September 2012
    August 2012
    July 2012
    May 2012
    April 2012
    March 2012
    December 2011

    Categories

    All
    Things You Must Know When Buying Snowmobile Insurance In Michigan

    RSS Feed

Lyles Insurance copyright 2020
  • Home - Lyles Insurance
  • About Us
  • Contact Us
  • Blog
  • Request A Quote