There’s no shortage of ways to get outside in Minnesota. Whether you’re hitting the trail, the links, or just the great outdoors, the last thing you want to worry about is whether your ATV insurance policy has you protected.

Most specialized vehicles, such as ATVs, 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 Minnesota require specialty vehicle riders to be properly insured.

Several factors can affect the cost of insuring a specialty vehicle. So what can you do to keep your rates low?

Be safe:
If you have violations on your driving record or claims on your insurance policy, your ATV insurance rates will likely be higher.

Choose your vehicle carefully:
Some models of ATVs, snowmobiles, dirt bikes and 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 ATV insurance policy.