Keep in mind that each coverage comes with a limit, which is the maximum your policy will pay after a covered claim. Read your policy or contact your insurance provider to learn more about your limits. You may also have to pay a deductible before your policy helps pay for repairs to your snowmobile.

Don't assume you have coverage for your snowmobile through your other insurance policies. The National Association of Insurance Commissioners notes that your snowmobile will typically not be covered by your homeowners, renters or auto insurance policies. Talk to your insurance provider to see if your existing insurance policies provide any coverage.

If you decide to purchase a snowmobile insurance policy, ask about any available discounts. For instance, some insurers may offer discounts for customers who have multiple policies with them. You may also be able to get a discount for paying your premium in full or by taking an approved snowmobile safety course.

Be sure you've talked to your insurance provider about having coverage for your snowmobile so you can hit the trails with peace of mind.