We’ve Simplified The Process Of Purchasing Car Insurance. Price Comparisons and Coverage Counseling.
Enjoy the thrill of every jump, dip and turn even more by knowing you’re protected. Cote offers insurance coverage beyond your auto and home policies—for all terrain vehicles (ATVs), utility vehicle (UTVs), dune buggies, golf carts, go-karts, trail bikes and more. Talk to an agent about your ATV insurance options today.
Whether you're a rancher, hunter, trail rider or an everyday adventure seeker, we know you love your all-terrain vehicle (ATV). So get ATV insurance from Cote Insurance< and get more riding freedom.
Many states require ATV insurance for vehicles operated on state-owned land. Your homeowners policy might not cover your ATV if you ride it off your own property. But Cote's program for ATV insurance does.
Bodily injury liability
Bodily injury liability coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.
It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. It's recommended that policyholders buy more than the state-required minimum liability insurance, enough to protect assets such as your home and savings.
Medical payments or personal injury protection (PIP)
This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.
Property damage liability
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.
Collision coverage pays for damage to your car resulting from a collision with another car, an object, such as a tree or telephone pole, or as a result of flipping over. It also covers damage caused by potholes.
Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company and, if they are successful, you'll also be reimbursed for the deductible.
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object. Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. It will also pay to repair your windshield if it is cracked or shattered.
Comprehensive insurance is usually sold with a separate deductible, although some insurers may offer the glass portion of the coverage without a deductible.
Uninsured and underinsured motorist coverage
Uninsured Motorist covers you, a member of your family, or a designated driver if one of you is hit by an uninsured driver or a driver who doesn’t have sufficient insurance to pay for your total loss. This coverage also offers protection in the event a covered driver is the victim of a hit-and-run or if, as a pedestrian, you are struck by an uninsured or underinsured motorist.v
Insurance for your ATV, Dirt Bike, Golf Cart, Snowmobile, and more
There’s no shortage of ways to get outside in New York. Whether you’re hitting the trail, the links, or just the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected.
Cote Insurance can help you get the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you get focus on having fun.
Are your off-road toys covered?
- ATV (All-terrain vehicle) insurance
- Dirt bike insurance
- Dune buggy insurance
- Golf cart insurance
- Snowmobile insurance
- Any other motorsports insurance
Not Sure You Need ATV, Golf Cart, Snowmobile, or other Motorsports Insurance?
Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property. What’s more, many national, state, or other public parks in New York require specialty vehicle riders to be properly insured.
Want to keep your Snowmobile, Dirt Bike, ATV, Golf Cart & other Motorsports Insurance costs down?
Several factors can affect the cost of insuring a specialty vehicle. So what can you can keep your rates low?
Be safe. If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.
Choose your vehicle carefully. Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure.
Own More Than One. With many carriers you can receive a discount if you insure more than one specialty vehicle on your policy.
Good Coverage. Great Times
Every specialty vehicle policy is unique, but the following is a quick rundown of the some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies:
- Collision coverage – pays for covered damage to your vehicle when in a collision with another vehicle or other object.
- Property damage liability coverage – insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.
- Bodily injury liability coverage – insures you against certain damages if you injure or kill someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.
- Comprehensive physical damage coverage – pays for covered losses resulting from incidents other than collision - like fire, theft, or vandalism.
Let us help make sure you’re covered when you hit the trail – talk to us today to find out how to get the best price and value on the motorsports insurance that’s right for you.