You probably know the kind of feeling when the snow starts falling, and you have no choice but to gas up the snowmobile.
However, before tying those snow boots, it is important to ensure that you are protected against any eventualities. This is because any small mistake you make may lead to an accident – that can keep you away from your favorite trails.
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To understand how to snowmobile insurance works, you need to talk to an experienced insurance agent. He or she will be able to elaborate on how the insurance cover will protect you and recommend the best one for you.
What exactly does snowmobile insurance cover?
Snowmobile insurance is a direct reflection of how the snowmobile is being used. In other words, the insurance company will give you a cover depending on the information you give them on how you operate your snowmobile.
This is why it is always good to speak to your insurance agent before making the final decision. An insurance agent will customize a snowmobile insurance policy for you – to ensure that you don’t get less or more than you require.
Nonetheless, a snowmobile insurance policy typically covers for booth property damage and bodily injury – broken down as follows:
- Property liability: Snowmobile insurance will cover any damage caused if you crash into someone’s house or property. Besides, property liability will also cover damages that result from you colliding with another snowmobiler.
- Bodily injury: This cover is meant to cover medical expenses that result from a snowmobile accident. The insurance company will, however, have to verify if indeed the accident occurred. The truth is that a basic insurance policy is not enough to protect you. The only way to be more is to try and add several other types of covers for your normal snowmobile insurance.
Below are some of the examples of covers you may add:
- Collision coverage: Collision coverage is meant to cater to repair or replacement expenses if your snowmobile gets damaged during an accident.
- Underinsured/uninsured motorist cover: This insurance cover is designed to offer protection if you get involved in an accident with a snowmobiler who doesn’t have any insurance cover.
- Accessories coverage: This insurance cover offers compensation for damaged items associated with the snowmobile, such as your trailer. It can also protect you in case your helmet or any other safety equipment gets stolen.
- Roadside assistance: In case your snowmobile breaks down, and you get stranded in the middle of nowhere, you can call for assistance from the nearest repair station at no cost.
- Comprehensive coverage: A comprehensive cover protects you from other risks besides collision damages. Such risks may include damage to your property through theft, storm, or even vandalism.
Is snowmobile insurance necessary?
The answer can be yes and no at the same time. For instance, there are certain states where snowmobilers must have insurance. Such states include New York, Vermont, South Dakota, North Dakota, and Pennsylvania.
If you reside and snowmobiler in any of the above states, it would be vital to get an insurance agent to advise you about the insurance requirements. You probably don’t want to find yourself on the wrong side of the law.
An insurance agent will definitely take you through what the state needs you to fulfill to protect yourself against injury during snowmobiling.
Although most of these states won’t charge you for failing to acquire a snowmobile insurance cover, it is important to have it for your own protection.
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Importance of snowmobile insurance
There’s no doubt that driving at a speed of 90 mph on snow or other winter landscapes is a dangerous undertaking.
Your helmet indeed provides some level of protection to your head – but what about the rest of the body?
If anything goes wrong, you, your passenger, and your snowmobile are at risk of getting injured and badly damaged.
The same way you won’t be able to drive your car without auto insurance, protecting your snowmobile is equally important for the following reasons:
- Protects your when in case you get injured
- Protects your snowmobile against damage
- The insurance cover also protects your passengers in case of an accident.
- Protects anyone using your snowmobile
- Protects you in case you damage someone’s property
- It also protects you in case you get involved in an accident with another snowmobile.
Cost of snowmobile insurance
Several factors go into determining the cost of snowmobile insurance. One major factor is the type of cover and the amount you want to spend.
The average cost of a snowmobile insurance cover is around $10-$20 per month. That’s not much considering the amount of protection you will be guaranteed.
How to lower the cost of your snowmobile insurance
You don’t have to strain to pay for your snowmobile insurance cover. Here are some of the things you can do to reduce the cost:
- Have experience – although you might not control your age, most insurance companies will charge less for older and more experienced drivers.
- Practice safe driving – Insurance companies will always look at your driving record before deciding how much insurance you will pay. The safer the record, the lower the premiums are likely to be.
- Pay your premiums fully – you can inquire from your insurance agent if paying your premiums at once will help you save money.
- Take a snowmobile safety driving course – some insurance companies will reduce the number of premiums if you prove that you have taken a safe driving course.
- Combine your snowmobile insurance with home and auto coverage – bundling several insurance covers together can help you save a lot of money in terms of premiums every month.
In general, snowmobile insurance plays a vital role in protecting those who love to ride on snow and other winter terrains.