Insurance for your motorized off-road toys
There’s no shortage of ways to get outside in Minnesota and Wisconsin! Whether you’re hitting the trail, the lakes or just the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected. Minnesota Lakes Insurance can help you get the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you get focused on having fun.
Are your off-road toys covered? We can provide coverage, including:
ATV Insurance | Dirt Bike Insurance | Dune Buggy Insurance | Golf Cart Insurance | Snowmobile Insurance | Any Other Motorsports Insurance
Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property. What’s more, many national, state or other public parks in Minnesota and Wisconsin require specialty vehicle riders to be properly insured to legally ride.
Several factors can affect the cost of insuring a specialty vehicle. Here are a few suggestions to help keep your insurance costs 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 ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure.
Insure more than one on the same policy. With many carriers, you can receive a discount if you insure more than one specialty vehicle on your policy.
Every specialty vehicle policy is unique, but the following is a quick review of common options included in most ATV, snowmobile, dirt bike, golf cart and other off-road vehicle insurance policies:
- Collision coverage – pays for covered damage to your vehicle after a collision with another vehicle or other object.
- Comprehensive physical damage coverage – pays for covered losses resulting from incidents other than collision such as fire, theft or vandalism.
- Property damage liability coverage – insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.
- Bodily injury liability coverage – insures you against certain damages if you injure or kill someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.
Let us help you find out how to get the best price and value on the motorsports insurance that’s right for you.