Snowmobile Insurance
Snowmobiles are a fun way to enjoy the snow and winter scenery. The high speeds, exploration, and commodore with other riders are appealing to many. With any motorized vehicle, having insurance brings peace of mind around collisions, damages, extra snowy regions, or bodily injury. While insurance can not replace people or heal you, it can lessen the blow of financial stress from these accidents.
Whether you love the backcountry or are just looking to get into a new hobby, snowmobile insurance will safeguard your investment. Snowmobiles are often seen as high risk, so having insurance will help safeguard all parties from unexpected costs.
Comparing Snowmobile And Auto Insurance
Similar to auto insurance, snowmobile insurance will protect you in the event of collisions, injury from accidents, and body repairs after accidents. Comprehensive coverage will also cover non-collision-related events like theft, vandalism, fire, unseen objects, avalanches, and damage from falling objects.
Snowmobiles or other recreational vehicles often have added custom parts that will need to be added to the policy. Additional protection is provided for snowmobiles with sled wraps, trailers, custom safety features, and specialized gear.
Most states require snowmobile operators to carry liability insurance at the minimum. Riding on public trails or property without liability insurance could cause major lawsuits or fees if you damage the property with your vehicles.
Types Of Coverage For Snowmobiles
Purchasing snowmobile insurance comes with a few perks that don’t require add-ons, here is what you get with the basic coverage of snowmobile insurance from MOST insurance companies.
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage for non-collision damage
- Medical Payment Coverage
Other options that can be added on include:
- Safety apparel coverage
- Uninsured motorist insurance
- Accessories or after-market parts coverage
- Towed trailer coverage
- Theft or vandalism coverage
- Across border coverage
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Accidents Caused By Challenging Terrain
Snowmobiling is often a challenging sport because of heavy snow, rolling hills, and snowpack that travels over trees and logs. Challenging terrain is a cause for more frequent accidents, vehicle damage, or tough driving conditions. If you have an accident or overturned snowmobile, comprehensive insurance coverage will help to replace it or repair it.
Does Auto Insurance Cover Snowmobiles?
No, auto insurance policies do not cover snowmobiles. You will need to add snowmobile coverage to your existing insurance coverage in order to recieve similar benefits to your auto insurance coverage. Bundling policies together is highly praised by insurance companies because it helps increase what you pay the insurance company while also allowing you to file fewer claims.
Bundling And Other Options To Save
Even the most basic insurance options can become expensive, but bundling options and good driver discounts can apply to snowmobile policies as well. Combining policies together is the easiest way to save on insurance because you will often be paying less for a deductible and have one point of contact for insurance claims.
Other options that help lower your snowmobile insurance cost include:
- Responsible driving rewards
- Multi-policy holders
- Taking a safety training course
- On-time payments
- Few past insurance claims
- Shop for competitive rates from other companies
- Increase your deductibles
- Drop unnecessary coverage
Working With An Insurance Broker At Tower Insurance
Looking at every company near you that offers snowmobile insurance can be time-consuming. While shopping for different insurance providers and bundling options is the best way to get a competitive rate, it can be impossible to look at every option. Tower Insurance Brokers can help comb through the local options, compare rates, and negotiate on your behalf. Our insurance experts know exactly what to look for and can help you recognize when a company is trying to take advantage of you.
Even if you have a homeowners policy or auto insurance through another company, we can find you the most affordable policy through any company. Since we don’t serve one specific offering, you can have peace of mind knowing that we will look at all offerings in the surrounding area. Tower Insurance works to help you find snowmobile insurance, auto insurance, ATV insurance, Business Owner Insurance, Liability insurance, and much more.