Why is insurance for ATVs in Bonny Doon more expensive than Santa Cruz?
This is a post that sort of applies more to the locals, since others aren’t likely to know what Bonny Doon even is (for future reference, it’s a small sort of “rural” town just outside of Santa Cruz in California). My buddy Tarik recently moved up there and has been spending a lot of time riding ATVs, mini bikes, and full-sized dirt bikes. It is really pretty fun since there is just so much space, forest, etc., and also because most of the locals up there have set up little tracks so you can hit jumps, race and try things on different terrain.
After settling down in his new place up there, my friend Tarik upgraded ATVs. He went from one that was on the property when he got there to one that cost him over $5,000. Needless to say, with the new, pricier ATV, insurance was something he checked out. I offered to help him since I have more experience than him online. We started by checking if ATVs insurance even existed—neither of us had ever heard of it before—and quickly found that it does indeed exist, and that there are actually a wide range of providers / options.
Using some online tools we checked for an ATV insurance quote in Bonny Doon. They were slightly higher than what we had been hoping for, and Tarik suggested that he could just insure it at his parents’ house and “keep” it there to save money. I replied that I thought that was a silly idea because it would surely be more expensive to insure the ATV in Santa Cruz where there was an increased potential for theft, accidents, and vandalism simply because of all the people. Well, we checked anyway and I was very surprised to see that it is indeed cheaper to insure an ATV in Santa Cruz than Bonny Doon—at least with the providers we happened to check.
I have no idea why… it doesn’t make any sense to me.