Posted On 16 Dec 2020
Top questions to ask about snowmobile insurance
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. The Southcott Agency Inc. 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. 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. Be sure to discuss what this coverage includes with your agent. Typically damage to safety apparel is covered, but theft is not. As is the case with most insurances, individual companies have optional coverages, exclusions and language specific to them.
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. 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. The amount of liability coverage is critical if you have a personal umbrella policy. Personal Umbrella policies usually require matching liability limits on underlying vehicle policies.
4. What discounts are available?
Discounts will help you save money on the premium you pay for your policy. 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, belonging to a snowmobile club, 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. Insurance companies offer many different plans such as one-pay, four-pay or ten-pay options.
At the Southcott Agency, we have several insurance Companies that cover snowmobiles.
Gather the Information on this checklist before calling for a Quote
- Special Equipment
- Driver’s License #
- Year’s of snowmobile driving experience
Note: Discount may be available if you have taken a safety course or belong to a snowmobile club.
Snowmobile stories: Staying safe in the snow
There’s something uniquely exhilarating about snowmobiling. The excitement of speeding through snowy landscapes makes the freezing cold winter weather barely noticeable. All that matters is the powerful machine that roars beneath you and the wildly fierce rush of adrenaline within you.
When I was a kid, I craved this experience. A friend of mine had a small youth snowmobile, but at the time it seemed like a monster of a machine. We would take turns going on joy rides, exploring nearby trails and doing loops around his house. Eventually he would grow tired of riding and head in to warm up and watch movies, but I would refuse to quit. I felt as if I had found the source of ultimate thrills, so I would often continue to ride until it was time to go home.
One day in the beginning of winter I went to my friend’s house, eager to go on the first snowmobile ride of the year. It had been a while since I had last ridden there so I couldn’t quite remember all of the ins and outs of the riding area, but that didn’t stop me. When it was my turn to ride, I jumped onto the snowmobile and darted into the night. I was having a blast, but it didn’t last long.
On my way to the first trail, I completely forgot to avoid a seven-foot drop-off that would have been easier to notice were it not for the deep snow. I barreled over the ledge and for a brief moment I was airborne before crashing into the snowbank below. Thankfully, I wasn’t injured. I got up and looked around to ensure my friend hadn’t seen my embarrassing crash. I sighed with relief when I realized he hadn’t and I vowed to myself to never make the same mistake again.
This experience taught me the importance of snowmobile safety. To help make sure you don’t make the same mistakes I did, here are five ways you can stay safe and warm during your snowmobiling adventures:
1 – Be familiar with the area.
Before riding, take some time to learn about your location. Identify potential hazards like frozen lakes, fallen trees, rocks, and other objects hidden beneath the snow.
2 – Maximize visibility.
Heavy snowfall can greatly decrease visibility, especially at night. Wear glasses or goggles and make sure that your headlights are functioning. Remember that the headlights of other riders can be blinding, so always drive cautiously at night.
3 – Dress to stay warm and dry.
A helmet, mask, jacket, gloves, boots and tall socks are necessary for spending hours outside. Be strategic and find gear that is water and wind proof, and avoid cotton and other clothing materials that retain moisture.
4 – Carry a repair kit and other gear.
Be prepared for the unexpected with a kit that contains spark plugs, tow rope and other tools. A cell phone and first aid kit are also essential, and a flashlight, map, and extra pairs of socks and gloves may come in handy.
5 – Go out with other riders.
Don’t be a lone wolf. You’re always safer sharing the experience with other experienced riders. Before heading out, it’s always important to let friends or family know where you are going, how long you expect to be out, and anything else you’re planning.
Don’t let carelessness and unpreparedness ruin your fun this winter. Putting these tips into practice will help you to be prepared, prevent accidents, and make the most of your snowmobiling experience!
Ready, set, snowmobile trip time!
Add a little snow and an awesome machine and you have the wonderful world of snowmobiling. Snowmobiling is a popular pastime. Most weekends you see snowmobiles on trailers riding down the freeway or snowmobiles on snowy paths on the way to a weekend or week-long trip. Whether you are going for the day, or making a vacation out of it, preparation is essential. Anytime you venture out into the cold, some risks are involved. Severe weather, unexpected hazards, injuries, or simply losing the trail … these things can happen quickly and it’s best to be prepared. So, what do you need for a successful and fun snowmobile trip?
Anytime you venture out into the cold, some risks are involved. Severe weather, unexpected hazards, injuries, or simply losing the trail…
- Map and compass
- General first-aid kit
- GPS and cellphone
- Survival kit
- Signal flares
- Waterproof matches
- Hand axe
- High-energy snacks such as candy bars
- Food and water for emergencies including enough for one extra day for each day of your trip
- Most importantly – Before You Leave … Tell someone where you plan to travel and when you will be back.