Snowmobile Insurance

While many see the winter months as a time to stay inside under a blanket, those who love snowmobiles see it as a time for adventure. There is nothing quite like getting out in the white wilderness and creating experiences you will never forget.

Those adventures could come to an end early if your vehicle gets damaged or you – or someone else – gets hurt. That’s why it’s important to get the protection you need for peace of mind.

At Freeway, we love to have adventures, too. Our agents are skilled at finding the right level of protection at a price you can afford.

This works similarly to your automobile coverage. You can pick and choose from a variety of coverage plans and then decide how much you actually need. As with most policies, it works by providing you financial protection in return for a monthly premium.

For example, it’s possible to get liability coverage to help pay for any damage you may cause while operating the “sled”. Getting “only” this type of protection will result in the cheapest possible plan. However, this basic form of coverage offers little in the way of protection for you, your passengers, or your vehicle. And once you own instead of just getting a rental, that protection is very important.

Once you understand the different plans that are available, you can better determine how you wish to protect your investment.

It is mandatory in certain states and not in others, so it’s important to check your state guidelines before selecting coverage. Additionally, if you purchased the vehicle with the financial assistance of a lender, the lender may insist that you get covered because they wish to protect the asset while you are still paying it off.

Even though you may not be legally required to get covered, we highly recommend it in order to protect yourself and your vehicle. At the end of the day, a snowmobile is a major investment, and getting it properly insured is the best way to protect that investment.

It may range from as low as $80 per year to $400 or even more. Exactly how much you will pay depends on the type of policy you take out.

At first glance, it may be tempting to get the cheapest possible plan in order to save money. However, getting only liability coverage means you are only insured against damage you cause to people or property. It won’t pay anything to help you repair or replace your sled if you get into an accident.

In other words, going for the cheapest plan may end up being more expensive after an accident. It’s best to understand the different kinds of policies and find the best balance between saving money on your premium and properly covering the vehicle itself.

How much protection you need depends on how old your vehicle is and your preferences. For example, those with older models may opt for only liability coverage because, quite frankly, they may wish to go ahead and replace it entirely if it gets damaged in an accident.

Those with newer models should definitely consider collision and comprehensive coverage. This helps you pay for damage to a newer vehicle that would otherwise be expensive to pay out-of-pocket.

If you frequently take passengers riding with you, you should get medical payments coverage. Finally, if you use your vehicle in a crowded area, it may be worth getting uninsured/underinsured motorist coverage.