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
- Prompt payer
- Responsible driver
- Safety course
- Paid in full
- 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.
Snowmobile insurance basics
Need more info? Here's our handy guide to snowmobile insurance basics, including coverages and eligible states.
Maintaining your snowmobile
Whether it's your first ride of the season or you're just looking to give your sled a quick once-over, we've got your checklist right here.
Here's how to have lots of fun this winter — without any accidents.
Coverage availability varies by state and individual risk situation. Insurance quotes are not available in D.C. Snowmobile insurance is underwritten by the companies of the Progressive Group of Insurance Companies. Claims are processed and paid by the companies of the Progressive Group of Insurance Companies.