One of Connecticut's best-kept secrets is its more than 1,600 lakes. That's more lakes per square mile than most of the more expansive states. With such an abundance of water bodies on which to play, the popularity of personal watercraft has exploded in the Nutmeg State. And finding the right insurance policy to cover your craft and your personal finances can be tricky. Before you search for PWC insurance quotes, there are a few things to consider.
PWCs can travel at extremely fast speeds. This makes them extremely enjoyable. But this feature also makes them dangerous. Connecticut has instituted several laws regarding PWCs in order to keep residents and visitors safe:
PWCs, also called water scooters, are recreational vessels that come in different varieties: stand up PWCs, sit down PWCs and two to four person PWCs. PWCs have an inboard engine driving a pump jet that has a screw-shaped impeller to create thrust for propulsion and steering.
Trademarked PWC brand names include such brands as Jet Ski, WaveRunner and Sea-Doo. Some PWCs are considered "mini subs" as they are submersible and can dive under water. The United States Coast Guard defines a personal watercraft, amongst other criteria, as a jet drive boat less than 13 feet in length, in order to exclude from that definition more conventional-sized jet boats. There is a wide variety of "jet boats," many of which exceed 30 to 40 feet in length.
Chances are most Connecticut insurance companies will be familiar with the make and model of PWC that you own and have an insurance policy to cover it.
Many Connecticut residents are taking to the lakes with their PWCs. The size, speed, agility and ease of handling make them fun for all ages. All that speed and power, however, can lead to accidents and collisions. The National Institutes of Health reports that as PWC popularity increases, so do accidents and injuries.
These are some year 2012 facts from the United States Coast Guard:
Although alcohol was involved in a number of reported accidents, the leading causes of PWC accidents may surprise you:
Riding at 60 miles per hour with the wind in your hair and the cool wake spraying you down feel great. But be aware that Connecticut posts speed limits on a number of its lakes and rivers. There is a reason why you are restricted to operating at 10 miles per hour in many areas. The safety of swimmers, anglers, other boaters and especially you is at stake.
Most insurance companies offer a variety of PWC insurance options. It's a good idea to discuss the following types of coverage and issues with your independent agent before you make a choice:
The quotes you get for your PWC insurance premium depend on a number of factors, including the make; model and horsepower of your watercraft; and the options and deductibles you choose. Depending on the types of coverage and amounts you choose, the average annual premium you can expect to pay will likely range between $300 and $500 per year.
Typically, the following factors will determine your quoted PWC insurance premium:
Some Connecticut insurance companies will offer you a discount if you qualify. You may be able to get discounts for doing the following:
Much like a lifejacket, PWC insurance can protect you from sinking financially. Finding the right policy at an affordable price doesn't have to be time-consuming work when you contact an independent Trusted Choice® agent. Our experienced, knowledgeable agents can help you research quotes and find a PWC insurance policy that meets your needs, lifestyle and budget.
Before you decide to go on the water to enjoy your PWC, contact an agent in your area for your quotes and coverage.