Protection You Deserve
Do you need snowmobile insurance in Spokane, Washington? Snowmobile insurance can help financially protect you if you’re in a snowmobile accident. It can help pay for the repairs or replacement of your machine and any property you damage while riding your snowmobile, and it can help pay for someone else’s injuries if you accidentally cause someone harm while riding your snowmobile. Let’s take a look at what snowmobile insurance covers in WA.
Who Needs Snowmobile Coverage in Spokane?
If you plan to own and operate a snowmobile in Washington, it’s a good idea to get insurance coverage. Snowmobile insurance isn’t legally required. However, you may need a policy if you are making payments on your snowmobile to a financial institution.
Snowmobile Insurance in Spokane
When you buy snowmobile insurance, your policy will include a minimum of liability coverage for property damage and bodily injury. However, it’s important to note that liability coverage only covers someone else, not the rider/owner of the snowmobile. The good news is that you can get a more robust snowmobile insurance policy that covers collision, medical payments, custom parts and comprehensive.
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Bodily Injury Liability
If you’re riding your snowmobile and hurt someone else, this coverage helps pay for any medical interventions they may need.
Property Damage Liability
This coverage helps pay for any damages you cause to other people’s property while riding your snowmobile.
If you want coverage to pay for damage to your snowmobile if you get into an accident, you’ll need collision coverage. This works a lot like the collision coverage on your car. If you’re in an accident with your snowmobile, this part of your policy pays for the repairs or the replacement of your snowmobile.
Comprehensive snowmobile coverage pays for the damage or destruction of your snowmobile while you’re not riding it. This type of insurance generally covers fire, theft and vandalism.
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Uninsured and Under-insured
If you’re in a snowmobile accident with a rider who doesn’t have insurance or doesn’t have enough insurance, your under-insured/uninsured coverage can help pay for any damage to your snowmobile.
Medical payments coverage helps pay the medical bills of anyone who’s injured in a snowmobile accident with you. This coverage covers you, your passengers and anyone else who was injured in the accident.
Custom Parts Coverage
If you’ve modified your snowmobile to contain custom parts, this part of your coverage will pay for the replacement of those parts if they are damaged in an accident.
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Ways to Save on Your Snowmobile Insurance
If you’re looking to save on your snowmobile insurance, there are discounts you can explore.
Are you a responsible driver?
You may be eligible for a discount if you’re considered a responsible driver. These drivers haven’t had any accidents for the last several years.
Are you eligible for a multi-policy or multiline discount?
If you have multiple policies with the same insurance carrier, you could receive a multiline or multipolicy discount.
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Is your deductible correct for your financial situation?
Deductibles most often apply to the collision part of your snowmobile insurance policy. The deductible is the amount you pay before your snowmobile is repaired or replaced. By assuming more of the financial responsibility, you can lower your premiums. However, you should always choose a deductible you can afford to pay.
Does your snowmobile have anti-theft or theft recovery devices installed on it?
If your snowmobile has an antitheft system or theft recovery technology installed on it, you may be eligible for a discount. These technologies make it harder to steal your snowmobile, and they make finding and retrieving your snowmobile after a theft easier.
Are you a member of a riding association?
You may be eligible for a discount if you’re a member of a snowmobile riding association.
Can you pay your snowmobile policy in full?
You may be eligible for a cash discount if you pay your entire policy in full when you get coverage.
A few questions away from saving up to 40% on your insurance.
Snowmobile Insurance with Boyd Insurance Brokerage Inc.
If you need snowmobile insurance coverage, we can help you at Boyd Insurance Brokerage Inc. in Spokane. We can recommend the right amount of snowmobile coverage for your riding habits at prices you can afford.
To get a quote for snowmobile insurance coverage, give us a call at 509-340-2693.