Living up north in the winter tundra, or even far north enough to enjoy a long, snowy winter, can inspire any outdoors adventurer to buy a snowmobile. But even if you have a lot of experience driving with them and in the snow, things can still get dangerous. That’s why you should protect yourself with a snowmobile insurance policy. Don’t make the mistake of relying on your home or auto insurance policy for your snowmobile coverage. In the unfortunate event that you need to make a claim, odds are that these policies will fall short of the coverage your snowmobile needs.
You’re going to have to register your vehicle to comply with state law, and you’re going to have to obtain proof of insurance in order to do it. The good news is that snowmobile insurance policy can be as little as $10-15 a month for most sled owners, and that includes Comprehensive Coverage. Despite what the name implies, though, it’s only “comprehensive” in the sense that it protects you from loss, theft, or damage in the event that something other than a collision happens.
If any damage was caused to your snowmobile as a result of collision or upset, affordable collision coverage will protect you against the loss. Collision Coverage also covers hit-and-run incidents. In addition, it also protects you in the event of:
If you purchase both collision and comprehensive coverage, your trailer and accessories will be covered at no additional cost. These include snowmobile accessories (fuel containers, sleds, and fire extinguishers) which are used only with snowmobiles.
There are some limitations to snowmobile vehicle insurance, however. For starters, your snowmobile policy only insures that particular type of vehicle; it won’t cover your car, motorcycle, or any other property. Also, your snowmobile policy will only cover up to 5 drivers and 4 different snowmobiles.
Safe drivers often earn discounted rates on their snowmobile insurance policy. Here are a few safety tips to keep in mind while you’re out enjoying your snowmobile:
Snowmobiles are unique vehicles compared to cars or motorcycles. For this reason, it is very important that you obtain insurance coverage which is unique to your vehicle’s needs – and only snowmobile insurance can truly do that. Get snowmobile insurance quotes today. Enter your zip code to get a free quote now and see how much money you can save.