With the crisp winter air, it won't be long before you're able to take your snowmobile out on the trail, if you haven't already. Before you do, you may want to ask your insurance agency some questions about snowmobile insurance coverage. Foremost Insurance Group has some suggestions to help you get started.
1. Is my optional equipment covered?
"You'll want to know if your windshields, new seats, or running boards are covered under your current policy if they aren't included as standard by the manufacturer," says Foremost® assistant product manager Jarrod Long. "A good policy will give you a set amount of coverage for optional equipment included with your comprehensive coverage, with the ability to purchase more."
2. Is my safety apparel covered?
"Helmets, gloves, boots, and any other clothing designed to minimize injury are generally considered safety apparel," adds Long. "Be sure to discuss what this coverage includes with your agent. Typically damage to safety apparel is covered, but theft is not. Check with your agent or broker."
3. What kind of higher limits are available for Liability coverage?
"Liability coverage is important in case you are found responsible for someone else's injury while driving your snowmobile," states Long. "Considering attorney fees and other costs associated with litigation can increase quickly, having the option for higher limits is a plus.. Based on their financial situation, most people try to match their snowmobile liability limits to the liability limits they have on their automobile."
4. What discounts are available?
"Discounts will help you save money on the premium you pay for your policy," Long adds. "You may qualify for a multi-policy discount if you insure more than just your snowmobile with the same company. Specifically for snowmobiles, you may be able to get discounts for taking safety courses or having multiple vehicles."
5. What payment plans are available?
"Whether you want to pay in full or in installments, having the flexibility to choose is a good option to have," suggests Long. "Talk to your agent or broker. Insurance companies offer many different plans such as one-pay, four-pay, or ten-pay options."