One may be tempted to think Arizona is nothing but canyons and desert. One trip around Saguaro Lake just outside of Phoenix, or a cruise around Lake Powell near Page, will put that notion to rest. Arizona is home to miles of lake waters for the PWC enthusiast. Prior to riding the waves, it's a good idea to obtain PWC insurance to protect you and your watercraft.
Before you search for PWC insurance quotes, however, there are several factors to consider.
According to the U.S. Coast Guard Office of Auxiliary and Boating Safety:
PWC stands for personal water craft, and these vessels are unlike traditional boats in several ways. PWCs are ridden by sitting or standing on the craft, rather than inside, and are extremely fast and highly manueverable. Because of these differences, Arizona insurance companies offer specific policies that cover the inherent risks of operating such crafts.
Some of the reasons that make riding PWCs so fun and thrilling also make them dangerous. A moment of inattention or inexperience can result in devastating damages and loss.
Not only have you likely invested much into your PWC and you want it protected, but you will also want to shield yourself from the potential lawsuit resulting from damage or injury you cause another boater, swimmer or angler.
PWC manufacturers have come a long way since first developing recreational water crafts in the 80s. These days, there are several makes and models on the market, and chances are the Arizona insurance provider you choose has a policy for your specific PWC, including, but not limited to:
Unlike states with more bodies of water, Arizona has few laws regarding boating. Per Arizona law, no one under the age of 12 may operate a motor-powered vessel over 8 horsepower unless:
Even though not required in Arizona, many boaters take a boat safety course in order to save on insurance or for boating in other states that require a boating license. And although insurance is not required by law, it's still a wise decision to protect you and your PWC from damages, injuries and lawsuit.
Most Arizona insurance companies will allow you to choose from the following coverage options when you build your policy:
Your Arizona insurance company will typically offer you several levels of protection from which to choose from in each of these categories.
No two PWC operators are exactly alike and, therefore, no two PWC insurance quotes will be identical. Most Arizona insurance providers take several factors into consideration when they calculate your quote, including:
The newer and more powerful your PWC, the higher the quotes you will receive. Similarly, if you have decades of experience on the water, your quotes will be lower than an inexperienced boater.
Arizona may boast more desert than water, but when you do hit the lakes, you want the protection of an insurance policy. Knowledgeable, independent insurance agents on the Trusted Choice network are always available to answer your questions, suggest coverage options, and even assist you in filing a claim. These agents have years of experience working with Arizona insurance companies, enabling them to find quotes with the best coverage options at the most affordable rates. Contact a Trusted Choice agent near you to find out how you can secure a PWC insurance policy that meets your needs and budget.