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 sleddings 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.
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- The average snowmobiler rides their snowmobile 1,206 miles per year in North America.
- There are nearly 24,000 snowmobiles registered in the state of Utah.
- Thousands of snowmobiling accidents occur in the United States every year, resulting in hundreds of injuries and deaths.
- The main causes of these accidents are natural obstacles, excessive speed, and alcohol intoxication.
- In Utah, snowmobile riders also face the risk of avalanches in mountainous areas.
Why is Snowmobile Insurance Important?
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.
Am I Required to Carry Snowmobile Insurance in Utah?
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.
What Does Snowmobile Insurance Cover?
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:
- Liability coverage: Can help pay for damages or injuries you cause another person while operating your sled.
- Collision coverage: Can help pay for damages to your sled should it be involved in an accident.
- Comprehensive coverage: Can help pay for repairs or replace your sled should it be damaged or totaled by a severe weather event, theft or vandalism.
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.
What Will My Snowmobile Insurance Quote Look Like?
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 calculating your premium quote:
- The make and model (more powerful, more expensive snowmobiles will see higher quotes than less powerful models)
- Where you will ride (if you ride on your own private property, your quote will be lower than someone who rides on public trails)
- Your age (older riders see lower quotes than young, inexperienced sledders)
- 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
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.
Where Can I Find Snowmobile Insurance in Utah?
The last thing you want to worry about as you cruise Utah's majestic trails and scenic routes is if you could afford an accident. Knowledgeable, independent insurance agents in our 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 an agent near you to find out how you can obtain the best snowmobile insurance policy that meets your needs and budget.