UPDATED: Mar 13, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Compare Comprehensive Coverage
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.
Collision Coverage – Features to Look For
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:
- Collision with stationary objects
- Collision with other snowmobiles
- Trailer damage
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.
These Snowmobile Insurance Companies Offer Lowest Prices In Your Area
How to Stay Safe on Your Snowmobile
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:
- Before you go, be sure your snowmobile is in a perfect condition and take an emergency kit.
- Always check the weather forecast before operating your snowmobile, especially if you plan to travel a long distance.
- Make sure you know the age restrictions and all other local laws for safe snowmobile operation. For more information, perform an online search or contact your local natural resource agency.
- Respect the wildlife, the land, and trails as you would your own property.
- The mix of engine vibration and motion can temporarily dull your senses and fatigue your body. To avoid this, take regular rest breaks.
- A helmet, warm reflective gloves, and clothing with a windproof outer layer are vital to your safety.
- Make sure someone knows where you’re going and notify them once you arrive at your destination. If you become incapacitated, a rescue party will have a better idea of where to search for you.
- Don’t operate a snowmobile while intoxicated or under the influence of drugs. Many accidents happen because of the decreased reaction time and the increased fatigue.
- Visibility is reduced after dark, so the operation of a snowmobile at night requires special attention. Slow down. Don’t over drive your headlights. And make sure you have good visibility to avoid potential collisions.
Get Started on your Cheap Snowmobile Insurance Policy Today
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.