With thousands of miles of groomed trails, a variety of terrain areas in which to ride, and a healthy dose of winter storms, Utah offers snowmobile enthusiasts some of the best sledding around. Snowmobilers take their sport seriously in Utah, and only a serious snowmobile insurance policy can protect the participants of this pastime, and their sleds alike.
Before you search for snowmobile insurance quotes, however, there are several factors to consider.
The average cost of a new snowmobile can range from a few thousand dollars to $15,000 or even $20,000. Not only do riders invest a considerable amount of money in their sleds, but a single accident can also cause thousands of dollars in damages to another person's property.
Should you injure another person while operating your snowmobile, you also face the risk of being sued. Only a comprehensive insurance policy can protect your assets from being party to a high dollar lawsuit.
Not only does snowmobile insurance come in handy for those reasons, but it's really unfortunate if you hit a tree. Having an insurance policy to help you make swift repairs makes it a little less unfortunate.
The state of Utah requires snowmobile riders to obtain minimum liability insurance before operating on public trails or ditches. If you only use your sled on private land, you may be exempt from this requirement, but insurance is still worth considering to protect your sled from damage, vandalism or theft.
Utah also requires riders to register their sleds with the state. In addition, riders under the age of 16 are mandated to take a snowmobile safety class before they can legally operate a sled.
Much like car or truck policies, Utah insurance companies offer a number of coverage options from which to choose when you build your snowmobile insurance package, including:
You can also choose the optional addition of accessory coverage to your policy for such things as helmets, windshields, custom seats, riding gear, and eyewear.
Because no two riders and their sleds are alike, nor are any two snowmobile insurance quotes identical. Most Utah insurance companies will take the following into account when calculation your premium quote:
Your quote can be as low as $80 to $100 per year if you buy liability coverage only. More comprehensive packages can be quoted at between $300 to $400 annually.
The last thing you want to worry about as you cruise Utah's magestic trails and scenic routes is if you could afford an accident. Knowledgeable, independent insurance agents in the Trusted Choice network are always available to answer your questions, suggest coverage options best suited for your sled, and even assist you in filing a claim. These agents have years of experience working with Utah insurance companies, enabling them to find you a number of quotes with the best coverage options at the most affordable rates. Contact a Trusted Choice agent near you to find out how you can obtain the best snowmobile insurance policy that meets your needs and budget.