Fresh powder. Crisp air. Speed and freedom. These are all things that you are looking forward to as you set out on your snowmobile. When you go out to enjoy yourself, you should be focused on having a good time. This is where snowmobile insurance comes into play.
Having the right snowmobile insurance when you’re enjoying yourself on the trails means that you can let yourself lean into the pleasure and exhilaration of riding your sled. Knowing what your requirements are, what snowmobile insurance covers, and how much snowmobile insurance costs are all questions we can answer for you.
What exactly does snowmobile insurance cover?
Understanding the specifics of what a snowmobile is and what kind of coverage can be expected from snowmobile insurance will help you decide which features are relevant for your needs.
What is considered a snowmobile?
Before examining what snowmobile insurance covers, it is necessary to understand what vehicles are considered snowmobiles.
Michigan’s legal definition of a snowmobile is “any motor-driven vehicle designed for travel primarily on snow or ice and utilizes sled-type runners or skis, an endless belt tread, or any combination of these.”
What is covered under snowmobile insurance?
There are a variety of different types of coverage that are available for your snowmobile. The aspects of general coverage that can be expected with snowmobile insurance include the following:
- Bodily Injury Liability – This covers you if you are found to have injured someone and need to pay their medical costs.
- Collision – If you slide on a branch, hit a fence, or another vehicle this can cover repair costs.
- Comprehensive – If there is damage to your sled that is not due to a collision, the repair costs will be covered. Theft of your snowmobile is also covered under comprehensive.
- Property Damage Liability – If you damage someone else’s property or their snowmobile, this will protect you if you are found responsible for paying repair or replacement costs.
Other options can be added to your coverage such as the following:
- Accessory Coverage – This covers helmets, eyewear, custom seats, and windshields.
- Towed Trailer and Covered Trailer Transport Coverage – Repairs may be covered if your sled is damaged while being transported.
- Uninsured or Underinsured Driver Coverage – If you are in a snowmobile accident and the other person is responsible but doesn’t have enough insurance, this will cover bodily injury and property damage costs.
- Year-Round Coverage – This will protect you if something happens to your snowmobile during the offseason.
Are users required to have snowmobile insurance?
In many states, snowmobile insurance is not required but having it is highly recommended. Snowmobiles and snowmobiling accidents or damage are not usually covered under your homeowners, renters, or auto insurance.
When riders are traveling at high speeds the chances for injury and damage to property are a real possibility due to less-than-optimal visibility, debris, and objects such as rocks and branches being covered by snow.
Having snowmobile insurance protects you if you are injured or your sled is damaged, even when transporting it. This makes it beneficial to have year-round coverage. It also protects you in the event of an accident where you are responsible for someone else’s injury or property damage.
How much does it typically cost to insure a snowmobile?
The cost of insuring a snowmobile is relatively low considering the peace of mind that goes along with that purchase. Snowmobile coverage costs can vary depending on several factors.
In Michigan, snowmobile rates can be as low as $80 per year but can average around $300 and go up to $1000 per year. It depends on the coverage you get for your snowmobile, the limits you choose, whether or not you’ve bundled other policies, and which insurance company you choose.
Additional Determinants in Insurance Prices
- Age and driving record of the driver
- Coverage you choose
- Make and model of your sled
- Where you live
- Where you ride
- Whether you use the vehicle for pleasure or professional purposes
As is typical, the more insurance you carry, the more expensive it is. But this also means better protection for you and your loved ones.
Discuss a snowmobile insurance policy with your Frost & Remer agent
Having the right coverage when you are out on the trails means being able to fully enjoy yourself and relax. Working with a Michigan-based company such as Frost & Remer means that they can give you the coverage that you need at a better rate than the national companies.
Michigan-based insurance companies often understand the risks and liabilities of your sled better than national providers might. Shopping local will mean that you are as protected as you need to be while paying a rate that you can afford.
Schedule a virtual appointment for your full policy review and risk assessment from Frost & Remer. We will make recommendations to ensure that you have the best coverage possible, with a premium you can afford.
Learn about our discounts for students, teachers, multiple vehicles, and policies, as well as the many other benefits of insuring with Frost & Remer.