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ATV/ Snowmobile Insurance

Racing on your ATV or speeding across the snow in snowmobiling trails can be fun! But when it comes to finding the right insurance for your recreational vehicles,  it's much less fun. You don’t have to worry! Joyce Insurance will do the heavy lifting, helping you find the right coverage from among the nation’s leading insurance companies and at the most affordable price!

Do I Need ATV/
Snowmobile Insurance?

From the Lake Erie State Park and Catskill Scenic Trail to the Tall Pines ATV Park, snowmobile and ATV trails abound in New York. A trip to one of these trails guarantees maximum fun.

But in the twinkle of an eye, another snowmobile riding too fast hits you before you know it. You’re badly injured, and your lovely vehicle is damaged beyond repair. When scenarios such as this occur, you’re looking at thousands of dollars in medical bills and vehicle replacement. It could be worse. If you caused the accident, you could be held liable for the injury to the other person and damage to their off-road vehicle. What a relief it would be if you didn’t have to pay out-of-pocket expenses! 

You’ve probably seen the headlines too. ATV and Snowmobile accidents and fatalities are common in New York, topping the country charts for most years. With ATV/Snowmobile insurance, you can save yourself the financial troubles and possible legal tussles.

What Can Your ATV/ Snowmobile Insurance Cover?

  • Damages to your ATV or snowmobile caused by fire, theft, natural disaster, or vandalism. 

  • If you or anyone riding your ATV/ Snowmobile gets injured in an accident and needs medical care, this insurance pays for it. It also covers medical expenses for a passenger riding with you. 

  • It covers the cost of repairing or replacing your ATV/Snowmobile if it hits or is hit by another vehicle or object. 

  • Protects you if you damage other people’s property with your 

  • If someone files a lawsuit against you, it covers the cost of legal fees. 

  • ATV/ Snowmobile protects you against damages if they’re caused by a motorist who is uninsured or underinsured. 

  • Labor cost and towing to the nearest repair facility if your OFV is disabled.

How Much Does ATV/ Snowmobile Insurance Cost?

As with auto insurance, ATV/ Snowmobile insurance costs are determined by several factors such as your driving records, previous claims, models of vehicle, where you live, and your age. It often costs only a few hundred dollars yearly.

No matter the typical cost of ATV/ Snowmobile insurance, we’ll get you the best coverage at the price that’s most affordable for you. If you're looking for affordable snowmobile insurance or cheap ATV insurance, Joyce Insurance can help!

Cheap ATV Insurance Policy Holder

Request a Free Quote

Joyce Insurance is one of the foremost insurance agencies in New York and the surrounding areas. We prioritize your needs, walking you through all the options and guiding you to select the coverage that offers complete protection for your ATV/ Snowmobile. Thinking of going for a ride on your ATV/snowmobile? Let’s get you protected first!


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