Safeco ATV Insurance Coverage Options
Enjoy Off-Roading with Confidence
Riding your ATV (All-Terrain Vehicle) or UT (Utility-Task Vehicle) is all about adventure and fun. But safety should never be compromised. Safeco offers tailored coverage options to keep you protected while you explore the off-road world. Discover more about our ATV coverage choices below and consult a local independent agent to find the perfect coverage for you and your vehicle.
Comprehensive Coverage for Your Off-Road Adventures
Safeco understands the thrill of off-roading, which is why we offer a range of coverages designed to keep you secure in any situation. Explore our coverage options:
1. Bodily Injury Liability
This coverage steps in to pay for hospital bills, medical expenses, and other costs related to an accident where you are responsible for injuring someone other than a guest passenger.
2. Guest Passenger Liability
For passengers injured while riding with you on your off-road vehicle, this coverage handles their medical expenses. Note that it does not include your spouse, who is already protected under your medical coverage.
3. Property Damage Liability
If you’re involved in an accident that’s your fault, this coverage helps pay for the repair of someone else’s vehicle or personal property that you damaged.
4. Gear Replacement at No Extra Cost
Safety gear is essential when you’re riding off-road. Safeco offers up to $1,000 per person, per incident to replace your helmet, riding jacket, and other safety apparel if they are lost or damaged in a collision. What’s more, there’s no extra cost or deductible for this coverage, and it is automatically included in all policies, even liability-only ones.
5. 24-Hour Roadside Assistance
If your off-road vehicle becomes disabled within 100 feet of a public street or highway, our 24-Hour Roadside Assistance comes to your rescue. This service includes towing to the nearest qualified repair shop, fuel and fluids delivery, basic emergency services, and more.
6. OEM Parts Coverage
When your off-road vehicle requires repairs due to damage, you want to ensure it’s fixed with the right parts. With Safeco, your policy automatically includes the use of original equipment manufacturer (OEM) parts during repairs.
Connect with a Licensed Agent
Our coverage options don’t stop here. Safeco provides numerous additional coverage choices to ensure you have the protection you need for your ATV or UT. Connect with a licensed agent near you to explore the best coverage options for your off-road adventures.
Save on Your ATV Insurance
Safeco offers attractive discounts to help you save on your ATV insurance premiums. Here are some ways to reduce your costs:
- Riding Experience Discount: The longer you ride without a claim, the lower your premiums. Riding experience makes you a safer rider and can save you money.
- Garage Storage Discount: Storing your ATV or UTV in a locked garage or secure location can earn you a discount.
- Homeownership Discount: If you own your home, townhouse, condominium, or mobile home, you may be eligible for savings on your off-road vehicle policy.
- Bundle and Save: Safeco values all your recreational vehicles, including ATVs, motorcycles, snowmobiles, golf carts, and other off-road vehicles. Bundle them under the same policy and enjoy additional discounts.
The goal is to make sure you can enjoy your off-roading adventures to the fullest while keeping your budget in mind. Get in touch with an agent to learn more about our savings opportunities.
Frequently Asked Questions
1. What types of ATVs/UTVs does Safeco cover?
Safeco provides coverage for a wide range of recreational vehicles, including all-terrain vehicles with four or six wheels, various utility task vehicles (UTVs), side-by-sides, dirt bikes, snowmobiles, golf carts, and select off-road vehicles. For detailed information about the types of vehicles we cover, speak with a Safeco agent.
2. What is the minimum age for a Safeco policy?
Safecos minimum operator age is 14 years. Vehicles made for, or used by, young children, such as child-sized ATVs or dirt bikes, are not eligible for coverage with Safeco.
3. Does Safeco cover racing ATVs or off-road vehicles?
No, Safeco does not provide coverage for ATVs or dirt bikes used in motocross or other racing events, or for those equipped with nitrous oxide kits.
4. What if I’m hit by an underinsured or uninsured driver?
Accidents involving other drivers or riders can happen even when off-roading. Safeco offers protection against the costs of injuries or damage you may incur due to an accident caused by an uninsured or underinsured (UM/UIM) driver. Depending on your state’s regulations, you may be required to carry UM/UIM coverage. Consult with your local independent agent to ensure you have the necessary protection.
With Safeco, you can hit the trails and explore the outdoors with confidence, knowing you’re backed by comprehensive ATV coverage. Connect with a licensed independent agent today to discuss the right coverage options for you and your ATV or UT.