Snowmobile Insurance

Some people like to make snowmen; others like to whiz past them on a snowmobile. If you prefer the latter, then you also ought to make sure your snowmobile is covered in the event of an accident or other event.

Not all states require snowmobile insurance, but it’s a smart investment. Some insurance providers offer snowmobile protection under the umbrella of motorcycle coverage, with options to include property damage, bodily injury, comprehensive and collision coverage, medical payments, and towing and labor coverage in the policy.

Levels of coverage

As with most insurance policies, rates for snowmobile policies vary based on the coverage, deductible, limits, state requirements and other factors. In addition, the coverage level you choose might depend on your experience level as a snowmobile driver.

However, you might qualify for discounts, if you take a safety course, if you insure multiple sleds or if you’re a homeowner, for example. And if you haven’t already taken a safety course prior to hitting the trails, now is the time to do it, not only for the discount, but also for the inherent danger present with snowmobile riding.

Next steps

Your state’s DMV or Department of Natural Resources should have information about approved safety courses in your area. Do your research to find the right course, the best insurance and most ideal terrain for your needs, and you will be able to enjoy your snowmobile for years to come.