Coverage for your ATV, dirt bike, golf cart, snowmobile, and more. Serving Ramona and all of California.

Ride Hard. Play Hard. Stay Protected.

California offers endless ways to get outside — from trail riding and off-road adventures to cruising the course in your golf cart. The only thing you shouldn’t be worrying about is whether your insurance actually covers you.

Horton Insurance Agency, Inc. delivers specialized motorsports coverage built for how and where you ride — so you can focus on the adventure, not the risk.

Request your free online quote or call 619-465-9100 to get started.

Do You Need Motorsports Insurance?

In most cases, your standard auto or homeowners policy does not cover specialty vehicles — especially when you’re off your property.

And many public, state, and national parks in California require proper insurance for specialty vehicle use.

If you ride it off-road, you likely need coverage for it.

What Impacts the Cost?

Motorsports insurance is typically very affordable — but several factors affect your rate:

Your driving record
A clean record helps keep premiums low. Violations and prior claims can increase costs.

Your vehicle type
Some ATVs, dirt bikes, snowmobiles, and other off-road machines are considered higher performance and cost more to insure.

Multiple vehicles
Insuring more than one specialty vehicle often qualifies you for multi-vehicle discounts.

We shop multiple top-rated carriers to secure competitive pricing and the right protection.

Common Coverage Options

Every specialty vehicle policy is customized, but most include options such as:

Collision Coverage

Pays for covered damage to your vehicle if you collide with another vehicle or object.

Property Damage Liability

Protects you if you cause damage to someone else’s property while operating your vehicle — and may include legal defense if a lawsuit is filed.

Bodily Injury Liability

Provides protection if you injure or cause the death of another person while operating your vehicle. Legal defense coverage may also be included.

Comprehensive Coverage

Covers non-collision losses such as fire, theft, vandalism, and other covered events.

Before you hit the trail, dunes, snow, or course — make sure you’re properly protected.

Let Horton Insurance Agency, Inc. build a motorsports policy that delivers real protection at the best possible value.

Get your free quote today or call 619-465-9100 and ride with confidence.