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Quad insurance help I've been getting what seems like high quotes. Close to $500 a year. Anyone know of some cheaper companies. tried Progressive and century 21 so far
 

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If I do drive it on state land or in the street by my house police can take it with no insurance. Main thing If it gets stolen I'm out a lot of money. Its basically used to plow and upstate to hunt with. I leave it upstate lets say someone steals it. Lets say I run into a tree. lets say I want to hunt on state land right hear in Suffolk.
 

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Giraffe Hunter
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It's not street legal with or without insurance and if it gets stolen from your propery your homeowners insurance would cover it. I don't know of any state land your allowed to take an ATV on (legally) either.
 

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If I do drive it on state land or in the street by my house police can take it with no insurance. Main thing If it gets stolen I'm out a lot of money. Its basically used to plow and upstate to hunt with. I leave it upstate lets say someone steals it. Lets say I run into a tree.
you need insurance to get your tags otherwise the cops can take it if caught on the street......don't ask me how I know(I had tags and the tickets to go with them)
 

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When I purchased it this year they registered it for me. I have a Plate and registration but No insurance. Upstate is with friends have no idea what home owners they have. I don't even know if it covered under my homeowners. I'm more concerned about it being stolen then I'm out $13000
 

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It's not street legal with or without insurance and if it gets stolen from your propery your homeowners insurance would cover it. I don't know of any state land your allowed to take an ATV on (legally) either.
Your homeowners WILL NOT COVER IT if it is stolen.

Call your agent if you don't believe me.

Had it happen to me. NOT COVERED
 

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Giraffe Hunter
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Your homeowners WILL NOT COVER IT if it is stolen.

Call your agent if you don't believe me.

Had it happen to me. NOT COVERED
I've read if it's used as a tool for property management (plowing snow) rather than a fun toy then yes it "may" be covered. Check with the company to be safe.
 

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I've read if it's used as a tool for property management (plowing snow) rather than a fun toy then yes it "may" be covered. Check with the company to be safe.
MAY is a very dangerous term for your wallet when dealing with an insurance company. They don't cover motorized vehicles thru your homeowners policy without a rider.

If you try to tell them your QUAD was a snow plow they will tell you it is a QUAD and deny your claim.
 

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You can get insurance for Theft Collision and Liability for a decent rate. My Friend has his insured for $90/year for all those coverages. You need to get liability insurance. There was a story in the paper where a grandfather let his granddaughter drive his quad with hi on the back and they ran over a neighbor causing her some serious injuries !
 

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Giraffe Hunter
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MAY is a very dangerous term for your wallet when dealing with an insurance company. They don't cover motorized vehicles thru your homeowners policy without a rider.

If you try to tell them your QUAD was a snow plow they will tell you it is a QUAD and deny your claim.
Agreed but at $500 a year Id take my chances and put good locks on the garage door. Progressive is usually the cheapest in town when it comes to bikes but nobody is getting that kind of money from me for a glorified snowblower. My other points still remain valid. Insurance is not your free pass to ride on state land or on streets unless you are a handicapped hunter with state approval or are on dedicated state ATV lands which are very sparse and do not coincide with any hunting grounds I know of. Every time you pull onto a town or state road with an ATV in NY you are at risk for a negative run in with police.
 

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Discussion Starter · #13 ·
So here it is from NYS website .....Now how do you protect it from being Stolen? The insurance Company says in NYS to Insure you MUST have liability period. That's our lovely state law..Then you add coverage for damage or if it get stolen.

What is considered an all-terrain vehicle ('ATV')?

An all-terrain vehicle (ATV) is any self-propelled vehicle, include an off-road motorcycle, that is manufactured for use on off-road trails or in off-road competitions. These vehicles are less than 70 inches wide and weigh less than 1,000 pounds.

For information, see our brochure ATVs: Information for Owners and Operators (C-29).

Does an ATV need a vehicle registration?

Yes. You must have a valid NYS registration to ride your ATV in New York State, unless it is
•only used for agricultural purposes or not-for-hire snow removal on private property
•registered in another state to a resident of that state
•only used at special events (competitions)

If you purchase an ATV (including an off-road motorcycle) from a NYS ATV dealer, the dealer is required to register it before it is delivered to you.

To register an ATV not purchased from a NYS ATV dealer, bring the following items to a DMV office
•acceptable proof of ownership (see information below)
•a completed Registration / Title Application (MV-82)
•proof that the NYS sales tax was paid or proof of the purchase price of the ATV 1
•proof of identity 2
•cash, check, money or order credit/debit card to pay for fees

What are acceptable proofs of ownership?

If you purchase the ATV from an out-of-state ATV dealer, acceptable proof of ownership can be
•a manufacturer's certificate of origin or a manufacturer's statement of origin, and the bill of sale from the dealer
•the registration or the title certificate signed by the previous owner that transfers the ownership to the dealer, and a bill of sale from the dealer that transfers the ownership to you

A bill of sale from an ATV dealer must include
•the name and the address of the dealer and the registration number of the dealer
•your name and your address
•the Vehicle Identification Number (VIN) of the ATV
•the year, the make, the model, and the number of wheels of the ATV
•an indication that the ATV is either used or new
•an indication that the dealer collected the correct NYS sales tax

If the ATV is transferred by a private individual, acceptable proof of ownership is a New York State or out-of-state transferable registration or title certificate signed by the previous owner to transfer ownership to you

If the current owner did not register the ATV, a transferrable registration and bill of sale that transferred ownership to the current owner, and a bill of sale that transfers ownership to you.

Do I need insurance coverage for my ATV?

You don't need insurance to register your ATV. However, you must have insurance unless you driver your ATV on private property. You must show your proof of insurance to a judge, a police officer, or any person who makes a claim of injury or property damage.

Do I need a driver license to drive an ATV?

You do not need a driver license to drive an ATV, but restrictions apply to ATV drivers under the age of 16. Children 10 to 15 years of age can drive an ATV only
•with adult supervision
•without adult supervision on property where their parent or guardian is the owner or tenant
•without adult supervision on property where ATV use is permitted and the child completed an ATV safety-training course approved by the DMV (carry your course certificate with you when you drive)

Children under the age of 10 may drive an ATV only
•with adult supervision
•without adult supervision on property where their parent or guardian is the owner or tenant

You can operate an ATV on public lands where signs indicate that ATV use is allowed. Only operate an ATV on private property if you have permission from the property owner.
 

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Discussion Starter · #14 ·
You can get insurance for Theft Collision and Liability for a decent rate. My Friend has his insured for $90/year for all those coverages. You need to get liability insurance. There was a story in the paper where a grandfather let his granddaughter drive his quad with hi on the back and they ran over a neighbor causing her some serious injuries !
Well that sounds great and what I'm looking for a recommendation for a good rate. What Company does your friend use?
 

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I was going to say, I have Progressive insurance on my quad, covering liability and theft, and pay $88/yr.
 

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Thanks to OneLowRider who replied and happens to be an All State Broker I now have Quad insurance at a fantastic Rate...Thanks
What was the quote, if you don't mind saying. I have two ATV's currently, and although one was insured a long time ago, I am thinking of getting it insured again(always has been registered).

Your ATV is only legal down here during a governor declared "State Of Emergency", and at that time, it is classed under the same laws/restrictions as an Agricultural vehicle.(if my memory is correct).
 

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If I do drive it on state land or in the street by my house police can take it with no insurance. Main thing If it gets stolen I'm out a lot of money. Its basically used to plow and upstate to hunt with. I leave it upstate lets say someone steals it. Lets say I run into a tree. lets say I want to hunt on state land right hear in Suffolk.
First, no 'motorized vehicles' on state land - at least here on LI for sure (just noticed the signs last week)

Not sure how they will be for a quad - but State Farm has great rates for streetbikes if you have a car with them.
 
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