Is Snowmobile Covered Under Auto Insurance?
Snowmobiles are generally not covered under standard auto insurance policies. These vehicles require specialized snowmobile insurance to ensure proper protection.
Snowmobile Insurance Coverage
Depending on your needs, your agent may suggest purchasing the following snowmobile insurance policies:
- Liability insurance is critical and may help cover damages if you’re responsible for causing injury to others or damage to their property while operating your snowmobile.
- Collision and comprehensive insurance may help cover your snowmobile from damages due to collisions, theft, vandalism or other covered perils.
- Uninsured/ underinsured motorist protection may help cover damage to your snowmobile if you’re involved in an accident with a rider who doesn’t have sufficient insurance coverage.
Snowmobile Insurance Cost and Rates
The cost of snowmobile insurance varies based on several factors, including the snowmobile’s make, model and market value; your riding history; and the coverage limits you choose. Snowmobile insurance rates can be lower than auto insurance rates, but getting a personalized snowmobile insurance quote for accurate pricing is essential.
To find the best rates, getting personalized snowmobile insurance quotes is advisable to compare and choose coverage that fits your needs and budget. The agents at Gaulin Insurance Agency can help you get multiple snowmobile insurance quotes.
Snowmobile Insurance for Rentals
If you’re renting a snowmobile, it’s essential to ask about insurance snowmobile rental options. Rental agencies often offer insurance, you should understand the coverage limits and whether additional insurance is necessary to provide appropriate coverage. Your agent can tell you if your current coverage extends to rented snowmobiles.
Snowmobile Insurance In Rhode Island
Many states require snowmobilers to carry minimum amounts of snowmobile liability insurance. Rhode Island strongly encourages liability coverage, but it’s not required by law. However, the risks associated with snowmobiling, such as collisions, property damage and potential injuries, make it imperative to have adequate insurance coverage.
If you finance your snowmobile, lenders typically require full coverage insurance. Your agent can help you get compliant coverage.
While your auto insurance won’t cover your snowmobile, obtaining dedicated snowmobile insurance is necessary and beneficial. It can help provide financial protection against a range of risks associated with snowmobiling. Before hitting the snowy trails, secure appropriate snowmobile insurance coverage.
How to Get Snowmobile Insurance in Rhode Island
Contact Gaulin Insurance Agency in Cranston, Rhode Island, to learn more about your insurance options and get a snowmobile insurance quote.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.