Category Archives: Snowmobile Insurance

Insuring Your Snowmobile

Insuring Your Snowmobile. What You Need to Know

Insurance is all about risk. But does that mean you can’t enjoy your favorite winter sports even when you have insurance? No, but be sure to check out a few things when buying insurance for your snowmobile. . .

Snowmobile Safety

The sub-zero weather has turned lakes into frozen wonderlands and covered the hillsides with plenty of snow. For snowmobilers, this is a perfect time to play with their favorite toy. However, being safety-savvy will help to lower your insurance costs.

First, respect the machine. A snowmobile weighs more than 600 lbs., and you can go really, really fast, like 90+ mph fast. As a result, there are approximately 14,000 snowmobile accidents every year. Many of these accidents can be very serious given the high speeds reached by snowmobiles.  Broken limbs, even brain injuries, can be the result of a snowmobile crash. There are also more than 200 fatalities every year from snowmobiles. These statistics aren’t meant to scare you, but to make you aware of the hazards of this winter sport. Insurance companies are very aware of the safety risks, so you should be, too.

How to Lower Your Snowmobile Insurance Costs

To stay safe—and lower your insurance rates—it’s a good idea to do the following:

Buy a newer model. These will have more safety features than older models. Anything that can decrease your risk will be looked upon more favorably by insurance companies. Not only is the make and model important, but if you also purchase safety-forward accessories, such as a helmet or special eyewear.

Ride in low-risk places. What does this mean? A flat surface with fewer obstructions, such as trees, may be safer than a steep hillside with vegetation and rocks, etc. But it may make no difference at all. It depends on the insurance company.

Consider your deductible. Like all types of insurance, the higher your deductible, the lower your premiums. Just be sure that you could pay the deductible should the need arise.

Limit the time of year for coverage. If you only use the snowmobile in the winter, it makes sense to cover it for specific months. However, you can also opt to get year-round coverage to protect you from theft during the off-season.

You may not pay insurance at all. Some states do not require mandatory insurance for snowmobiles. But consider this—if you have an accident or injure someone else with your snowmobile, you will wish you were covered!

What Insurance Companies Consider When Insuring Your Snowmobile

Your age. Yes, this is a factor, even though it’s something we have no control over. If you’re elderly, have health problems or physical impairments like poor eyesight, this will affect your insurance rate. On the other hand, sometimes teenagers or young adults are viewed as more reckless and willing to take risks, so this could impact your rates. Having a solid reputation for safety can go a long way. Again, it depends on the insurance company.

Type of coverage. Insurance packages will vary from $300 to $400. You could have collision, property damage and bodily injury coverage. Liability will protect you from lawsuits. And comprehensive coverage may cost more, but it takes care of more issues, so you can rest easy in the event that an accident happens. Also, don’t forget about coverage in case an uninsured driver hits you or causes damage to your vehicle.

Zawada Insurance Agency is your all-in-one resource for helping you find the right coverage for you and your family. We’re a family-owned and operated independent insurance agency, working to get you the most comprehensive coverage at a competitive price.

For more information about motorcycle, car, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Snowmobile Insurance

Do you need it? What kind should you get?

With winter around the corner, you may be thinking about either purchasing a snowmobile or considering whether or not to have your existing one insured. Is it really necessary? Consider this—these vehicles move at such speeds that it’s very possible to get injured, cause injury to someone else, or damage another’s property with your snowmobile. If you’re not covered by insurance, it’s possible that you could suffer a financial disaster if you’re faced with a lawsuit.

How risky is snowmobiling?

The statistics underscore the risk. Snowmobiles weigh more than 600 pounds and can reach speeds of 90 mph. Therefore, it’s hardly surprising that snowmobiling results in more than 200 deaths and nearly 14,000 accidents every year.

Other factors to consider

To decide if snowmobile insurance is right for you, consider where you’ll be using your snowmobile and how often. If you ride on an open lake, there are additional dangers, such as obstructions like twigs or areas where the water hasn’t frozen completely over. If you’ll be riding down hills, there could be trees or stumps sticking out of the ground—all potential hazards that could injure you, someone else or damage your snowmobile.

When determining the costs of your snowmobile insurance, the insurance company will take the following factors into consideration:

  • The state where you live – Some states require mandatory insurance, while others do not.
  • The make and model of your snowmobile – Is it a newer model with more safety features?
  • The places where you’ll ride it – How high is the risk? What kind of terrain?

Other factors include:

  • your age
  • your deductible
  • the types of coverage you’re requesting

Packages can range from $300 to $400 per year.

What kinds of snowmobile insurance coverage can you get?

You can get collision, comprehensive, property damage and bodily injury coverage.

There are other options available to you, which will protect you from insured and uninsured drivers. This coverage is critical in case another person causes an injury or damage to your snowmobile and they can’t pay medical and other costs.

You can also get year-round coverage if you’re concerned about your snowmobile getting stolen during the off-season.

To handle the costs of potential lawsuits, there is additional collision and increased liability coverage available. Consider adding these coverages, because if you should cause an accident and someone sues you, it could be financially devastating.

Last but not least, if you get parts added to your vehicle after you purchase it, you can get special coverages. These may also include coverage for your helmet, eyewear, customized seats and other accessories.

Zawada Insurance Agency is your all-in-one resource for helping you find the right coverage for you and your family. We’re a family-owned and operated independent insurance agency, working to get you the most comprehensive coverage at a competitive price.

For more information about motorcycle, car, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.