Snowmobile owners typically can’t wait to break out their winter toys once the first snowflake hits the ground. The snowmobile season opens December 1st and runs until March 31st in Indiana. Local snowmobile clubs, the Indiana Snowmobilers Association and the Indiana Department of Natural Resources manage snowmobile trails. Trails are open when snow conditions are adequate.
You may be tempted to take your snowmobile out on the trail without adequate snowmobile insurance, but remember that it’s important to be prepared for a run-in with that hidden stump, partially hidden fence or another snowmobiler. Indiana snowmobile insurance can cover your sled for loss or damage, while also covering you and your passengers for injuries. Contact an independent agent in the Trusted Choice® network who can gather several Indiana snowmobile insurance quotes for you to compare.
- In 2012, there were 1.4 million snowmobiles registered in the U.S.
- 75% of registered snowmobilers are male, and 25% are female
- 80% of snowmobilers use their sled on trails, and 20% use it for work, transportation and ice fishing
Many sled owners use their snowmobiles for general transportation purposes in the winter months. Maybe you ride to go ice fishing, or use it for your daily commute to work. If you’re using your snowmobile regularly, it is more important than ever to make sure you are fully insured. An independent agent in the Trusted Choice network can put together a list of insurance quotes for you, saving you time and the hassle of doing it yourself.
What Does Snowmobile Insurance Cover?
You can buy specific coverage for your sled, such as liability-only coverage, or you can buy a package of coverage. A basic snowmobile insurance package typically includes the following:
- Bodily injury
- Physical damage liability
- Medical expenses
Depending on the insurance company you go with, you may be able to purchase other options for your snowmobile insurance:
- Uninsured and underinsured driver coverage for bodily injury and property damage, in the event that another person causes harm to you or your snowmobile and does not have insurance to pay for your damages
- Accessory coverage for such things as helmets, windshields, custom seats, riding gear, and eyewear
- Year-round coverage, in the event that your snowmobile is damaged or stolen in the off-season
- Coverage for after-market parts and accessories
- Towed trailer and transport trailer coverage
- Additional collision coverage
- Increased liability limits to cover the costs of a severe liability claim or law suit
How Much Does Indiana Snowmobile Insurance Cost?
Some snowmobile insurance policies could be upwards of $60 per month. Keep in mind that an insurance company will consider a number of issues when quoting the cost of a policy, including:
- The make and model of the snowmobile
- The state or area in which you reside
- Where you will ride
- The age of the driver using the snowmobile
- Whether you will take passengers and/or allow others to ride your snowmobile
- The intended use of the machine such as pleasure, business or racing
- The deductible you choose
- Type of coverage you buy and/or optional coverage
Is Snowmobile Insurance Required in Indiana?
23 states in the U.S. have mandatory snowmobile insurance laws. Indiana is one of those states. That means a police officer or park official can ask to see proof of insurance if you are found to be operating a snowmobile in a mandatory insurance state. Most insurance providers offer coverage for any state and Canada, regardless of where you live. This is usually available at no additional cost.
Contact an independent agent in the Trusted Choice network for further details on state law requirements and Indiana snowmobile insurance quotes. An independent agent will be able to explain your options to you.