Winter is certainly in the air, and in some places, it's already on the ground in the form of early-season snow. To some in snow-prone areas, this means extended commutes and mornings spent shoveling snow out of the driveway. But for others, the arrival of winter means something a bit more exciting than the doldrums of everyday life: the weekend snowmobile adventure! If your heart just skipped a beat from excitement, you're very likely one of the dedicated legions of snowmobilers already chomping at the bit to get out there, cutting a path through snowy plains and reveling in the cold, white beauty of winter. Before you start breaking out your winter wear, now's the time to revisit your snowmobile insurance.
What's that, you say? You don't have snowmobile insurance? If that's the case—or if you do have insurance but you're not sure if the policy you have is sufficient to cover your snowmobile in the event of an accident—then here are a few tips that'll help educate you about your snowmobile insurance options.
Tip No. 1: Make no assumptions about insurance coverage for your snowmobile. Don't presume that damage to your snowmobile will be covered by your car or homeowners insurance policy. What you want is coverage that'll protect your snowmobile—and you—if Mother Nature decides to throw you for a loop while you're out there having a good time.
Tip No. 2: You may want to consider liability coverage. Face it, your snowmobile isn't the only thing you're going to want to insure when you're out there riding the fresh powder. What happens if you accidentally crash into another snowmobiler? Talk about ruining your weekend plans. Just imagine the lost sleep you'll experience worrying about how you're going to pay for another person's medical bills. And then, of course, there's the possibility you could cause serious damage to another person's snowmobile, which is another expense you don't want to incur. If you've never seen a snowmobile vs. snowmobile collision, the damage can get pretty extensive. Zigzagging around with no insurance coverage leaves you open to experiencing a major financial loss.
Tip No. 3: The more, the merrier. You know how you can get discounts if you bundle your auto, insurance with your homeowners or life insurance policy? The very same goes for snowmobiles. You can insure your snowmobile with your existing homeowners or automobile insurance company and take advantage of multi-policy discounts.
Insuring your snowmobile may be less expensive than you might think, especially considering the amount of money you could end up pouring into paying for repairs if you wreck your ride. Allstate Snowmobile Insurance costs about $10 per month on average. That's less than a couple of gallons of gas—and it'll take you a lot further.
So with that in mind, what are you waiting for? Get on the phone with an insurance agent and find out what your options are. Shake a leg now, and you'll be ready to hit the snow the moment it starts to fly.