Cold temperatures and icy trails can make snowmobiling a treacherous activity and the last thing you want to be worried about is paying for damages to someone’s property if you should have an accident. Repairs can be costly and even the best riders slip sometimes. Fortunately most major insurance companies offer snowmobile coverage in states where the vehicles are most popular.
Key tips for when you want to get snowmobile insurance:
- As with other types of policies, taking a rider safety course can usually qualify you for a discount on your snowmobile coverage.
- Multi-line insurance bundling auto, homeowners, and other vehicles will also qualify for significant discounts on insurance.
- Check to see if your coverage extends throughout the year or is limited to a particular “season” and what coverage is available outside of that window of time. If there’s still snow in May you don’t want to be locked out because your coverage ended in March.
- In addition to required liability coverage consider adding uninsured, comprehensive, and collision to protect against theft, accidents, and damage from people without insurance.
- Ask how your policy will treat guest riders and passengers.
- Try to find a policy that will cover accessories and your trailer if you use one. Some policies will even cover a portion of your safety equipment in case your helmet or other gear get damaged in an accident.
Advice on finding the best snowmobile insurance:
Snowmobile insurance can be limited by state with some providers covering riders in more places than others. It pays to shop around and compare multiple snowmobile insurance quotes from various providers. You will want to ask about age limits, how many riders and vehicles per household can be covered, and carefully examine the terms and conditions. For example, what happens if a tow strap breaks or your ride takes you across a lake that hasn’t frozen over enough and your sled falls through the ice and sinks? You don’t want to find out after an incident that your policy excludes that circumstance. As with any easily transportable vehicle make sure you have a secure place to store the vehicle both during and out of riding season. That will help to reduce your snowmobile insurance policy rates as well.
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