How to Save on Insurance for On and Off Road Vehicles

Vehicle insurance is necessary. That’s an undisputable fact. It doesn’t matter what mode of transportation you employ, there’s always the possibility of running into something or someone running into you. Dishonest people are always looking for a fast buck, and vehicle theft is among the methods they choose to use in order to make money without actually working for it. For these reasons, and many more, you need to protect yourself by carrying adequate insurance. Following are a few tips on how to save on insurance for on and off road vehicles.

Different Types of Vehicles

It doesn’t really matter whether you’re looking for insurance for the family Buick or a primo ATV, the process of getting insurance is basically the same. As with other types of insurance, vehicle insurance isn’t one-size-fits-all. If you don’t have a lot of money, you could choose to carry the absolute minimum in order to make it legal for you to operate the vehicle. Of course, if something happens and you need to file a claim, you will get the absolute minimum in return, and you could end up with some hefty out-of-pocket expenses. The price for basic coverage is also different for a family car than it is for an RV or an ATV–there’s a different set of rules due to the way the vehicles are used. That doesn’t necessarily mean you’ll have to break the bank to pay for insurance, but be prepared for higher prices for special-use vehicles.

Determine Your Needs

An on or off road vehicle can be insured against nearly anything, if you’re prepared to pay for it. For instance, a motorcycle can be declared street legal if you merely carry liability insurance. Of course if that motorcycle is stolen you’re out of luck because liability insurance only protects you if you’re injured in an accident or hurt someone else, or their property. RVs are unique because they’re not only a vehicle, but have all the amenities of home. You will need to make sure the living quarters are covered by an insurance policy, as well as the running gear itself. ATVs are an entity unto themselves. Because their usage is usually deemed to be a dangerous activity, insuring them can be quite expensive. For each type of vehicle, you will have to decide whether you want to go with a minimum of coverage, or whether you want to be fully protected.


Like so many other areas of life, knowing what you’re getting into ahead of time can save you a lot of headaches. If you do a little research on vehicle insurance before actually calling insurance companies for quotes, you will get some idea of what you can expect as far as coverage and rates are concerned. Doing research may also help you weed out a few companies that some people consider unreliable, and it could also help you choose the type and amount of coverage to get.

Shop Around

Once you’ve decided on how much insurance to carry you will have to begin the process of finding the right insurance carrier. For things like cars, trucks, and motorcycles you may be able to get insurance through your present insurer. Sometimes an insurance company will choose not to insure certain types of vehicles, so you may have to do some leg work, or spend time on the Internet or the telephone tracking down a company that will offer you the coverage you want at a price you can afford. Shopping for insurance on the Internet is a simple way to begin. Just type in your search browser something along the lines of “companies that insure RVs” or “companies that insure ATVs” and click on some of the websites that come up. You can go through the process of getting a few quotes and use them for comparison purposes. If you’re satisfied with the coverage you’ll be getting as well as the price, then you can continue on and pay for the coverage. It may also be a good idea to check out the prices of various brick and mortar insurance companies before making a decision.


Most insurance companies will allow discounts for customers that carry multiple policies with them. If you presently insure your home, life, and health with a company it would be a good idea to ask them about discounts for bundling your vehicle insurance as well. In this way, your premiums will certainly go down a bit. You may also want to check into group discounts. If you belong to a group or organization that is eligible for a group rate discount, discuss that fact with your agent and your premiums will be reduced.

Guest post from Sydney Sommers. Sydney writes about motorcycle insurance for


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