With winter’s arrival, few activities can prove more enjoyable than snowmobiling. However, much like you would need to do with a motorcycle or all-terrain vehicles (ATV), obtaining insurance and practicing safe driving habits are essential for an enjoyable winter. The following tips will help you stay safe from both physical and financial danger.

Your Guide to Snowmobile Insurance & Safety

1. Liability Coverage is a Must

Even the safest snowmobile drivers could cause an accident that results in property damage or injury to another person. You don’t want to be left financially vulnerable to a lawsuit. Liability coverage will provide much-needed financial protection in case you’re involved in a snowmobiling accident.

2. Purchase Additional Insurance 

As with other motor vehicles, it’s beneficial to obtain additional coverage for your snowmobile before the winter season arrives. Comprehensive coverage that includes theft, storm, and fire damage will financially protect you, especially if it’s substantial. Collision policies will cover repair expenses, which can be fairly expensive depending on the accident. If you plan on taking out a loan on a new snowmobile, this coverage will likely be required by your lender.

3. Lower Your Risk With Safe Driving Habits

Having an insurance policy is beneficial—but it’s much better to avoid an accident altogether. As with driving a car, snowmobilers should avoid high speeds to maintain control of their vehicle, especially when driving at night. Exercise extra caution near roads and closed areas, as many accidents occur when riders don’t pay attention to their surroundings. Be wary of avalanche-heavy areas, as disturbing these spots could be catastrophic. 

With the right insurance plan in place, you can protect your snowmobile this winter. Dunlap Agency, Inc. in Fairbanks North Star, AK, is ready to help. Serving residents since 1986, their team understands the unique needs of Alaska residents in the winter, whether you need snowmobile insurance or standard auto insurance. To learn more about their ATV, snowmobile, and other services, visit their website or call (907) 456-5202.