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frequently asked questions

saving on personal watercraft insurance

With rates as low as $100 a year, you're already saving with PWC insurance through Esurance. And you can save even more with this info.

How you can save

Factors that affect your insurance rate

How you can save


What discounts can I get on PWC insurance?

Here are a few of the discounts designed to help you save:

  • Claims-free renewal
  • Homeowner
  • Idle-assisted steering
  • Multi-vehicle
  • Multi-policy
  • Original owner
  • Paid in full
  • Responsible driver
  • Safety course

You can also save by being a member of a personal watercraft association, such as the United States Coast Guard Auxiliary.

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Where can I find info on personal watercraft safety?

Many resources on personal watercraft safety exist, including the United States Coast Guard Auxiliary, United States Power Squadrons, the Personal Watercraft Industry Association, and the National Safe Boating Council. Your agent will also be happy to provide you with more information on approved safety courses. Once you've taken an approved course, you'll be eligible for a 5-percent discount from our partner.

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What is idle-assisted steering?

A PWC with idle-assisted steering comes equipped with aft rudders that help operators steer the watercraft in off-power and off-throttle situations, greatly increasing safety and maneuverability. Look for a model with this device to save more on your insurance premium.

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Are there other ways to lower my PWC insurance rates?

Personal watercraft insurance through Esurance includes one more great way to save: customer loyalty rewards. Many of these rewards kick in the day your policy activates, and they only improve from there. When you get your PWC coverage through Esurance, you could get the following benefits immediately:

  • Unlimited small accident forgiveness
  • Responsible driver discount
  • Emergency expense coverage
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I was thinking of canceling my policy during the off-season. Will that save me money?

While that would shave a little off your monthly bills, it probably won't save you much in the long run. After all, lapses in coverage can increase your rates, and leave you unprotected against accidents and natural phenomena.

If you live in a hurricane-prone area, remember that the season runs from June to November. If your SEA-DOO ends up adorning somebody else's roof after a hurricane, you'll be liable for the damage. That's why we recommend keeping your coverage in effect year round.

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Factors that affect your insurance rate


What factors affect my insurance rate?

Many factors can either raise or lower your PWC insurance rates, some of which you can change for the better.

  • Drive safely
    Learn all you can about the rules of the water and practice defensive driving techniques to limit claims.
  • Study up on boating safety
    Many organizations offer boating safety courses that can dramatically improve your boating skills … not to mention your rates.
  • Consider moving (if it's at all feasible)
    If your neighborhood is plagued by theft or your region is often struck by hurricanes, you may have to pay higher rates.
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What payment options are available?

When you purchase PWC insurance through Esurance, you can choose to pay month-to-month or in one lump sum. If you're looking to save, pick the latter to earn a discount.

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This page is intended to provide you with general information about PWC insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, including limitations and exclusions, we encourage you to read your policy contract and consult your insurance representative with any questions.