Whether by land or snow, we here at Giuffre Insurance have the coverage you need to protect your adventures on the open terrain. As an independent insurance agency right here in Montello, Wisconsin, we know the treacherous conditions, risks, and hazards you could face while operating your ATV or snowmobile. That is why we offer custom protection designed specifically to meet your needs and lifestyle.
Wisconsin ATV Insurance
Life is exhilarating behind the handle bars of your all-terrain vehicle. Whether you spend your weekends on muddy off-road trails or use your ATV around home for work on your farm or ranch, make sure you are protected against injuries, property damages, and financial losses with an ATV insurance policy from Giuffre Insurance.
Your policy may include coverage for:
- Physical damages to your ATV
- Injuries to you and your passengers
- Injuries caused by uninsured or underinsured motorists
- Special equipment damage or loss
- Bodily injury and property damage liability
- And more
How Much Coverage Do You Need?
Don’t rely on your homeowners insurance to provide you with adequate protection while riding your ATV. It typically only provides limited coverage, and even then, it only extends to incidents occurring on your own property. Only an individual all-terrain vehicle insurance policy can provide the type of protection you need for ATV ownership and use. Furthermore, you may be required by law to have ATV insurance if you intend to ride on state-owned public lands.
While it may be impossible to know how much you could actually lose in an ATV accident, with the right insurance coverage, you may be able to minimize your financial vulnerability to loss. There is no one-size-fits-all policy, but there are individual risk factors that could help you better estimate your coverage needs. Examples include:
- Your ATV’s age, make, model, and market value
- Where you ride your ATV
- How you use your ATV
- Whether you carry passengers
- The amount of current and future income and assets at-risk to a lawsuit
- And more
We can help you select the appropriate limits for each type of ATV coverage and answer any questions you may have about what types of benefits are included in your policy. We can also help you better understand how certain factors, such as your deductible, can affect the cost of your premiums.
Wisconsin Snowmobile Insurance
Snowmobiling is a way of life for many people in Wisconsin. With snow on the ground so many months of the year, it’s possible to spend many hours out on the trails or navigating your land each season. Of course, the more time you spend on your cold weather-cruiser, the higher your risks of accidents and injuries. At Giuffre Insurance, we can help you protect yourself and your passengers with a Wisconsin snowmobile insurance policy that safeguards against a wide range of losses.
Like ATV insurance, snowmobile insurance policies typically come with several different types of coverage that work together to protect you against accidents, injuries, and lawsuits. This may include coverage for:
- Physical damages to your snowmobile
- Injuries to you and your passengers
- Injuries caused by uninsured or underinsured motorists
- Special equipment damage or loss
- Bodily injury and property damage liability
- Towing and assistance
- And more
How Much Coverage Do You Need?
Even if you wear a helmet and take extensive safety precautions while operating your snowmobile, there are still plenty of risks associated with owning and riding your cruiser – many of which are outside of your control. Not only could you wreck your snowmobile, but it could even be damaged by a fallen tree or stolen from storage during the off-season. Not to mention, lawsuits are common in today’s litigious society, meaning you could be on the hook for legal fees, court costs, judgments and penalties if you are ever sued for an at-fault accident.
At Giuffre Insurance, we can help you assess your coverage needs and choose limits for your policy based on a number of different risk factors, some of which may include:
- Your snowmobile’s age, make, model, and market value
- Where and how often you ride your snowmobile
- How you use your ATV
- Whether you carry passengers
- The amount of current and future income and assets at-risk to a lawsuit
- And more
Our industry knowledge and experience can help you make educated decisions about your coverage and better protect yourself and the investment you’ve made in your vehicle.
Free ATV and Snowmobile Insurance Quotes
If you own an ATV or snowmobile, or if you are considering purchasing one in the near future, we here at Giuffre Insurance want to help you get the coverage you need. We can help you explore your coverage options, shop and compare rates from multiple insurers, and learn about important discounts that could help you save money on premiums. Depending on the insurer and your qualifications, you may be eligible for extra savings on your coverage if you:
- Take and pass a qualified ATV or snowmobile safety education course
- Insuring multiple ATVs or snowmobiles on your policy
- Install anti-theft or other safety equipment
- Pay your insurance premiums in full
- Purchase other lines of coverage
- Store or lay-up your vehicle during the off-season months
- And more
To find out how an independent agent can help you save on Wisconsin ATV and snowmobile insurance, contact our office to request your free quotes today. We look forward to helping you find affordable rates on the coverage you deserve.
