snowmobile insurance

There aren’t many more exhilarating things that you can do in the winter weather than take a snowmobile out for a rip through a clear field covered in drifts. However, snowmobiling can sometimes be dangerous for the driver and passenger, and harmful to the sled itself, due to the less-than-ideal visibility and maneuverability conditions. For this reason, it’s crucial that you purchase the best snowmobile insurance you can afford before heading out into the cold. 

Our customers usually have one question before they ask any others: is snowmobile insurance mandatory? The answer is that although many states require you to purchase liability coverage, several do not. However, collision coverage might be required if you do not own your snowmobile outright, and are currently leasing or financing the machine. It all depends on your individual situation. 

Another thing that is extremely influenced by your own personal situation is the type of snowmobile insurance you’ll want to purchase. There are many different packages with different types and levels of coverage. For example, comprehensive and collision packages protect you in the event of an accident with another vehicle, but coverage also extends to vandalism, fire damage, weather-related incidents and accidents with non-vehicle objects. However, the cheapest snowmobile insurance you can find will not cover all of these incidentals. Most plans will include personal injury and property damage liability, which protect you against bodily harm or property damage caused by your snowmobile. Other packages might include uninsured motorist coverage, for accidents with drivers who lack insurance, or even specific insurance policies that cover accessories like custom body work or engine enhancements. It all depends on what you feel needs to be protected. 

Now the golden question — how much does snowmobile insurance cost? Snowmobile insurance rates depend heavily on what type of coverage package you buy — more comprehensive coverage means a higher rate. Overall cost also depends on where you live, how old you are, what your driving history is and what type of machine you’re riding. Some insurance providers also offer discounts for bundling policies together, or for making a concerted effort to improve safety conditions through equipment purchase or additional driving courses. 

If you’re dying to start flying over the hills and through the snow to Grandma’s house, you can visit our website or directly call one of our representatives to request a snowmobile insurance quote. Don’t wait until tomorrow — that fresh powder might all be melted!