All snowmobile registrations expire June 30th. A wide range of coverages are available, and we urge you to shop around and discuss your individual needs with one or more insurance agents who can offer a selection of company programs. Since both the size and the type of snowmobile selected have a direct effect on the premium, it would be well to consult an insurance agent before finalizing a snowmobile purchase. Many insurance companies follow the format of an automobile policy for insuring snowmobiles. We will show the basic types of coverage available and will use them later in the comparison of individual companies' premiums.
Companies offer different coverage options.
It is a good idea to take the time to shop around and compare companies. Some use a seasonal factor to reduce premiums for the non-operating months of the year. A multi-vehicle discount is sometimes available if you insure more than one snowmobile on the same policy. Your defense costs are covered, as well as payment of any judgment brought against you because of the accident, up to your policy limits. Liability can also be written on a split limit basis.