Tag: ATV insurance

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Prepping for Spring: Getting ATV’s and Offroad Vehicles Ready For Adventure

Tips to Ensure Your ATV is Properly Insured

Taking the time to get your offroad toys ready for summer can help them last longer, and be safer while you’re out playing.

Inspect the Fuel Lines

Anything with an engine that has been stored over the winter should always have the fuel system fully inspected before use. Along with checking the lines for damage and wear, the fuel itself likely needs to be replaced. Make sure fuel line fittings are tight, check for hose cracks or brittleness and make sure any fuel filters are replaced and ready to go. If the gasoline was left sitting all winter without treatment, then it’s best to empty and clean out the tank thoroughly before refueling.

Check the Fluids

Make sure fluid levels are all topped off and ready to go. This includes radiator fluid, oil and brake fluids. If anything is surprisingly low, check for leaks and other issues that may have led to the drop. It might also be a good time to change the oil and oil filter if you can’t remember how much time has been spent operating on the oil from last year.

Check the Battery

Be sure the battery is charged up and ready to go. Being out in the field or on the track with a low battery can mean that you won’t be starting up your ride while you’re out there. Batteries typically lose about 10 percent of their charge per month while in storage.

Examine the Tires

Remember to check on the tires and make sure the air pressure is where it should be for the season. Having too little air pressure after winterizing a bike or atv is a common issue, but it only takes a moment to handle it.

One Last Thing

One last thing to note is that many insurance companies offer atv, motorcycle, utv and other offroad vehicle coverage. These vehicles aren’t cheap, and if anything happens to them it can be frustrating and even more expensive to fix. Give Bob Johnson Insurance a call (865-922-3111 or Toll Free 865-624-3339) or click here to learn what we offer in protection before hitting the trails.

Prepping for Spring SeriesPrepping for Spring Series
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Tips to Ensure Your ATV is Properly Covered

Tips to Ensure Your ATV is Properly Insured

The winter has been very mild in the Southeast this year, so you might be breaking out the “outdoor toys” a little early!  Before taking out your all-terrain vehicle (ATV), but sure that it is properly covered.

When it comes to your ATV, it pays to keep your feet on the ground when it comes to insuring it. You may think it’s covered by your home-owners policy, but are you really protected? Your “toy” wasn’t cheap, and lacking the right type of insurance coverage could lead to a sticky financial situation.

“Owners should think of ATVs the same way they think of motorcycles,” said Rick Stern, product manager, The Progressive Group of Insurance Companies. “You’d never consider getting on a motorcycle without the proper insurance, and you shouldn’t ride an ATV without the right coverage either.”

If you’re not sure what to do about your ATV insurance needs, here are a few things to consider.

Your homeowners policy might not be enough.

Most likely, your homeowners policy only covers your ATV if trouble occurs on your property. Anywhere else and you’ll be exposed. Look for an affordable ATV insurance policy that offers coverage no matter where you are. Trail riders should be aware that many states require ATV insurance for vehicles operated on state-owned land.

What about theft?

ATVs are portable and can be easy targets for thieves. You should consider ATV insurance that provides coverage for things such as theft, fire and vandalism just like the kind you can get for a motorcycle. Theft, fire and vandalism are covered by Comprehensive coverage, an optional physical damage coverage.

Consider uninsured and underinsured coverage.

You never know what can happen in the great outdoors. This relatively inexpensive coverage protects you if another rider causes damage to you and he or she lacks adequate coverage.

Keep your rates low.

You can do a number of things to save money on your ATV insurance, including maintaining a clean driving record, staying free of claims or choosing a less “sporty” ATV. In addition, most insurers offer a discount if you insure more than one vehicle on your policy, or have more than one policy with the company. This could mean additional savings on your car, motorcycle, boat or RV insurance.

For more information about ATV insurance or to find an independent agent, call Bob Johnson Insurance, Inc. at 865-922-3111 or click here to contact us.