Snowmobiling is a great way to enjoy the beautiful winter landscapes that Washington offers. There are more than 3,000 miles of trails in the Evergreen state. Many residents of Washington enjoy taking to the trails every year, however, many neglect to purchase snowmobile insurance.
Operating a snowmobile can be dangerous. Even the most careful driver can be involved in an accident. With the majority of snowmobile accidents causing personal injury, even a small incident can cause thousands of dollars in medical expenses. Having a snowmobile insurance policy in place is one critical way to protect yourself with extra insurance and gain peace of mind while you're enjoying the trails in WA.
A Snapshot of Snowmobiling Facts
- Each year, snowmobiling accidents cause 200 deaths and 14,000 injuries.
- Excess speed and alcohol are the leading causes of accidents on snowmobiles.
- Most fatal accidents on snowmobiles occur between 8 p.m. and
- The average snowmobile weighs 600 pounds and can travel up to
- In Washington, no child under the age of 12 may operate a snowmobile, and riders between 12 and 16 years of age must pass a Snowmobile Safety Course.
Residents of Washington are very aware of the increased risks associated with snowmobile usage, so they take snowmobile safety very seriously. The majority of snowmobile accidents cause injury, so snowmobile insurance is one way to get the extra insurance coverage that will keep your financial life on track after an accident or incident with your snowmobile.
What Is Snowmobile Insurance in Washington?
Snowmobile insurance is a set of policies grouped together to offer you coverage for some of the most common risks that a snowmobiler may face. A typical snowmobile insurance policy may include the following:
- Collision: This coverage helps pay for any damages you incur as the result of an accident, regardless of fault.
- Comprehensive: This coverage is designed to help you with the costs of damage to your snowmobile from falling branches, arson or weather-related events. Commonly referred to as "everything other than collision", it can help cover a variety of incidents.
- Bodily injury liability: If an accident you're involved in causes injury to another party, this insurance can help pay the medical bills.
- Property damage liability: This coverage is mainly designed to help repair any property damage you cause while operating your snowmobile where you are at fault.
- Uninsured/underinsured driver: Unfortunately, many snowmobilers in Washington do not carry snowmobile insurance. If you're involved in an accident with an uninsured/underinsured snowmobiler, this coverage can go to work to cover the damages left unpaid.
- Accessory coverage: This coverage can help protect items such as GPS units, riding gear, windshields or towables.
- Increased liability limits: If your snowmobile insurance doesn't offer enough liability coverage to cover your assets and net worth, extra liability insurance may be important.
What Will My Snowmobile Insurance Quote Look Like in Washington?
Snowmobile insurance rates will vary depending on your individual situation and risks. An average snowmobile policy quote may run anywhere from $80 to $400 per year depending on your needs. When searching online for snowmobile insurance, make sure to be aware of the following:
- Make/Model of snowmobile
- Value of snowmobile
- Whether snowmobile is owned or financed
- Your driving record oOn and off the snow)
- History of claims
- Where snowmobile is stored
- Whether snowmobile will be towed
- Top speed of snowmobile
- Horsepower of snowmobile
- Whether passengers will ride snowmobile
- Desired coverages
- Desired deductibles
All of these factors, plus many more, will be used to get you a snowmobile policy that sufficiently covers you for risks.
Snowmobile Safety Tips for Washington Riders
Safety is incredibly important when it comes to snowmobile use. Here are a few snowmobile safety precautions to employ when enjoying your snowmobile:
- Keep your snowmobile maintained.
- Wear weather-appropriate gear, and bring extra clothes just in case.
- Plan your route prior to your departure, and let someone else know of your plans.
- Never use drugs or alcohol before or during snowmobile use.
- Do not travel alone.
- Stay alert while using your snowmobile. Stay aware of your surroundings.
- Always bring a first aid kit and a safety kit that includes emergency supplies, including extra cell phone batteries.
- Be aware of avalanche danger.
Are There Discounts Available on Snowmobile Insurance Policies in Washington?
Just like many other insurance policies, snowmobile insurance policies typically offer discounts. When you're getting quotes online or in person, make sure to ask about any available discounts, includin:
- Multi-policy discount
- New customer discount
- Loyal customer discount
- Lay-up policy discount (If you use your snowmobile only during the winter months)
- Good driver discount
- Good credit discount
- Industry/professional affiliation discount
Each insurance company offers different discounts, so be sure to ask about any discounts you may be eligible for prior to purchase.
How Can I Obtain Snowmobile Insurance in WA?
When it comes to purchasing snowmobile insurance, it's critical to have a knowledgeable professional by your side. A Trusted Choice® agent is always available to help you discuss coverages, suggest discounts, or even help you file a claim.