Wisconsin is the birthplace of snowmobiling. Residents in this state began experimenting with over-snow vehicles in the 1800’s, and it is little wonder given the long winters and how much snow falls in this part of the country each year. In the snow-belt region near Lake Superior, this state can often see more than 100 inches of snow in year. Hitting the trails on a snowmobile is a fun family activity and is a prevalent winter recreation activity in this northern state. If you own and operate a sled, you may want to strongly consider a Wisconsin snowmobile insurance policy.
Snowmobiles are extremely popular in this state, and Wisconsin has a number of laws and requirements when it comes to their use.
Although insurance is not required by law, if you own a one of these machines, it is a very good idea to purchase a policy. Many people in this state spend more than $10,000 on their sleds so insurance is something that is very important. In addition to protecting your investment, you can also protect your finances if you are at fault for an accident while operating your sled.
A basic snowmobile policy provides coverage against bodily injury and property damage liability in the event that you are responsible for a snowmobile accident. Liability coverage is very important as these costs can sometimes be quite high, particularly when serious injuries that require ongoing care are involved.
Many insurance companies will allow you to insure four or five operators for your sled and some will enable you to insure multiple snowmobiles on a single policy. This eliminates the need to purchase a separate policy for every member of your family.
In addition to liability coverage, you have the option to purchase several other coverage types. Some policies may include some, or all, of these options as part of their standard policy while others will require you purchase them in addition to the basic coverage. Because snowmobile insurance is relatively inexpensive, it will not cost you a lot to purchase full coverage for your sled. Coverage options include:
There are several factors that can affect the cost of your particular snowmobile insurance policy, but even the most comprehensive policies are not very expensive. On average, Wisconsin residents pay only a little more than $10 a month for their snowmobile insurance. Knowing that your investment and your finances are protected make this small additional cost well worth it.
When searching for an affordable and comprehensive snowmobile insurance policy, you can turn to an insurance agent in the Trusted Choice® network for assistance. These independent agents can work with a number of different insurance companies to help you find the right policy to meet your coverage and your budgetary needs.
It is easy to find a Trusted Choice member agent in or near your neighborhood. Contact a local agent today to learn more about your coverage options to start reviewing a variety of Wisconsin snowmobile insurance quotes.