Special article brought to you by Wasatch Peaks Credit Union
It won’t be much longer until spring and summer are here, which means it’s time to start getting ready for those warm, outdoor plans.
One of the great things about living in Northern Utah is the variety of outdoor opportunities readily available and easily accessible! To make the most of your outside recreation, it may be time to explore buying an ATV or UTV as you head out on your own adventures.
ATV VS. UTV
An ATV is an all-terrain vehicle and enables you to take your adventures off-road. Typically, an ATV utilizes a handlebar for steering and are often meant for just one rider, though some models will have room for two. ATVs are more agile than UTVs and may be a more budget-friendly option. In contrast, a UTV is a utility terrain vehicle. There are large vehicles which often seat passengers side by side, fitting anywhere from two to six passengers, depending on the model. UTVs utilize a steering wheel and traditional foot pedals. They will typically have more storage space, making them more useful for hauling supplies off-road.
BUDGET AND PRE-APPROVAL
Before you purchase your new vehicle, you need to be clear on how much you can afford to pay. There are several factors to consider when looking at the costs of an ATV or UTV. First, you’ll need to consider what kind of a down payment you would be making on the vehicle and how much your monthly payment will be. There are additional costs such as maintenance, insurance, registration, fuel, and protective gear that should also be considered. Once you’ve determined your budget, it’s a good idea to get started with a pre-approval to purchase your new vehicle. This can help you throughout the buying process as it can save you from falling in love with a model that’s outside of your budget and show that you’re ready to buy.
CHOOSING A MODEL
Choosing a new ATV or UTV can be overwhelming with so many choices available. There are different options, ranging from traditional four wheelers to specialized side by sides and high-performance models to off-road trail models. Not all the vehicles are created equal, especially when it comes to what experience you’re looking to have.
Take the time to research different models and check their engine power and size to ensure that you’re investing in a vehicle that fits the experience you’d like to have. To get started, ask yourself: What are you planning to use this for? How much experience do you have? Are you looking for a new or used model?