ways to save on snowmobile insurance

Are you the type that likes a high-powered joyride in the snow? If so, you're probably not the type that likes overpaying for snowmobile insurance. (We're not either.) Read on to find out how to bring down your premium without skimping on coverage.

Snowmobile insurance rates

How are snowmobile insurance rates calculated? As with car insurance rates, insurance companies take a lot of different factors into account when coming up with your snowmobile coverage premium. Here are few:

Your selected deductible
Your selected limits
Your selected coverages
Make and model of your snowmobile
Number of people on your policy
Your ZIP Code
Age of driver(s)

Type of snowmobile

The type of snowmobile you own has a lot to do with how much you pay to protect it. Insurers look at the snowmobile's model year, its estimated performance and safety, how much you paid for it, and the cost to replace it if totaled. After all, it costs more to cover a Mercedes than a Kia, and it'll cost more to insure a $15,000 snowmobile than a $2,000 one.

Snowmobile insurance and your driving record

Having points or violations on your driving record won't negatively affect your snowmobile insurance rates. But not having them can be a bonus. That's right: if you stay accident- or violation-free for 3 years or more on the road, it can score you a sweet discount on snowmobile insurance. Talk about a win-win.

Snowmobile insurance discounts

We're happy to report that our partner offers many potential snowmobile policy discounts, including:

Claim-free renewal
Homeowner
Prompt payer
Responsible driver
Safety course
Paid in full
Multi-vehicle
Original owner

Snowmobile safety courses

If you're interested in taking a snowmobile safety course to score a discount, check with your state's Department of Motor Vehicles or Department of Natural Resources for more information on where you can find approved classes. Snowmobilecourse.com offers an online safety course that has been approved by certain states.

Aside from helping nab you a discount, professional snowmobile training will help you learn how to handle these unique machines. And when you're in better control of your ride, you're more likely to avoid accidents and claims (which is always the surest way to keep your rates dropping — like all that fresh powder).

Canceling or reducing coverages in the off-season

While it may seem tempting to cancel your snowmobile insurance when you're not using your vehicle, it will likely cost more to cancel and reactivate than it does to maintain coverage. Two more good reasons to hang onto your coverage: weather damage and theft, which can strike anytime.

That said, there are ways to save when you're not using your snowmobile. For instance, you can drop coverages that you need only when driving the vehicle, such as collision, while keeping comprehensive coverage to protect against theft, weather damage, and more.

Need snowmobile insurance?

Start your snowmobile insurance quote online or give us a call at 1-866-455-1980.