As thrilling as it is to travel the winter landscape on a snowmobile, operating these powerful machines come with several risks. This is why it’s beneficial to make sure your investment is protected, just as you would with your car or any other recreational vehicle. However, shopping for snowmobile insurance can be complicated. To help clear up any confusion you may have, here are the answers to some of the most frequently asked questions about this type of coverage.

Common Questions Concerning Snowmobile Insurance 

What does snowmobile insurance cover? 

A basic policy typically includes bodily injury liability, property damage liability, comprehensive coverage, and collision coverage. This means you would be covered for any injuries or property damage another party suffers as the result of an accident you cause, as well as the repairs or replacement your own snowmobile needs. You may also be able to add coverage for uninsured or underinsured drivers, accessories, towed trailer, and transport trailer.

How much coverage do I need?

The amount of coverage you need to protect your investment will depend on your situation. An agent will be able to help determine how much insurance you should buy after assessing the value of your snowmobile and the frequency of your rides. Make sure you also check to see if your current homeowners, renters, or car policies include any snowmobile protection. 

What is the cost of insuring a snowmobile? 

Insurers take several factors into consideration when calculating how much you should pay for snowmobile insurance. This includes your age, the make and model of your machine, driving experience, claim history, the type and amount of coverage you select, and the deductible you set. Discounts may be available for obtaining a safety course certification and bundling multiple policies under one carrier.

Where should I look for snowmobile insurance? 

Most providers that offer policies for cars, motorcycles, and other types of recreational vehicles will also have snowmobile coverage available. An experienced agent will have the resources to get you quotes promptly. You will need to be prepared to give them your address, past insurance information, and details about your snowmobile. 

Purchasing sufficient snowmobile insurance will allow you to enjoy your favorite winter activity with full peace of mind. To learn more about your coverage options, contact Dunlap Agency, Inc. They have been helping Fairbanks, AK, residents find quality insurance solutions for more than three decades. As an independent agency, they can provide you with competitive quotes from multiple carriers and offer unbiased advice on customizing a policy to fit your needs. Call (907) 456-5202 to set up an appointment, or visit them online for additional information on the different types of products they offer.