car insurance vs. dune buggy insurance

Car insurance vs. dune buggy insurance – key differences

Picture this: You’re kicking up sand and enjoying your day riding in your dune buggy when all of a sudden a few rocks decide to pop up, dent your buggy and mess up the mechanics. 

You get the buggy back to the trailer and call your insurance company to find out what places are nearby to fix it under your coverage only to find out that your off-road vehicle isn’t covered under car insurance. 

Don’t make a mistake in thinking your dune buggy, ATV, sports bike, or any other off-road vehicle is covered under your car insurance or homeowners policy. 

Proper Coverage

It’s important to note that car insurance vs. dune buggy insurance are completely separate policies that you should hold.  

Ensure that you are properly covered with the right insurance so that you don’t have to worry if an accident occurs. 

Here at, we want to help you understand the importance of having the right coverage for your vehicle. Whether it’s for an RV, boat, motorcycle, or off-road vehicle, we want you to know what you need to be adequately prepared and insured. 

In our last article, “RV Insurance In Mexico – What You Should Know” we discussed how policies are different in the US and Mexico and that Mexico doesn’t accept US RV coverage. 

Today we are going to discuss the key differences between car insurance and dune buggy, or off-road vehicle insurance. 

Car Insurance Policies

When you buy a car, it is necessary (and the law) to have coverage on your vehicle. 

Basic car insurance is called liability and covers damage you may cause to other people, their car, and property. It will help to cover medical bills, repairs, and legal fees if necessary.  

Other types of coverage outside of the basic insurance you can have include: 

  • Collision – Repairs or replaces your car after an accident
  • Comprehensive – Covers damage done by something other than an accident (vandalism, theft, hail, etc.) 
  • Personal Injury Protection – Pays for medical expenses
  • Uninsured/Underinsured Motorist – Covers damage and medical expenses in the case of an accident with an underinsured/uninsured driver

Every state requires a minimum car insurance policy so check your state requirements to confirm you have the right coverage on your vehicle. 

car insurance vs. dune buggy insurance

Dune Buggy & Off-Road Vehicle Insurance

Whether you are a weekend warrior or avid off-road vehicle enthusiast it’s important to have the right dune buggy insurance. Is your dune buggy new, have you added aftermarket parts, gotten a custom paint job, or overhauled it completely from the ground up? 

If so, not having coverage can cost you thousands upon thousands of dollars to fix.

Anytime you invest in a vehicle or product of importance and value (phones, equipment, etc.) why would you not want to insure that it’s covered in case of damage? 

If you have a dune buggy, let’s talk about the insurance you need to cover yourself, your passengers and your vehicle! 

*indicates unique coverage for motorcycles and off-road vehicles that aren’t typically offered with car insurance

Now that you know the importance of off-road vehicle coverage are you ready to get insured? 

Learn more about the differences of Car Insurance Vs. Dune Buggy Insurance With

No matter how much you spent on your dune buggy or how often you drive it, don’t wait until it’s too late to wish you had the right coverage. 

Let us here at get you the policy you need for all your vehicles including boats, RVs, motorcycles and more! 

We are dedicated to helping you stay safe and insured in every way possible to give you peace of mind when you’re out enjoying the trails or on a road trip across the country. 

Contact us today to get a quote, get covered, and get moving! 

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