PWC Insurance Discounts

(The easy and affordable way)

Written by Jessica Huneck
Written by Jessica Huneck

Jessica Huneck is an insurance writer from She began her writing career in 2011 and has since earned herself a bachelor's degree in English writing.

PWC Insurance

If you enjoy riding the lakes and rivers on a PWC, you probably don’t want to spend your time worrying about personal watercraft (PWC) insurance. Luckily for you, there are many resources that can make finding affordable coverage easy.

Finding the right PWC insurance policy is important, and you can do so without breaking the bank. An independent agent in our network can shop around to multiple insurance companies to find an affordable policy that meets your needs, and can look for all available deals and discounts for you. 

Find a local independent agent today to get a free quote.

personal watercraft

Save on Personal Watercraft Insurance

Our independent agents shop around to find you the best coverage.

Easy Ways to Save on Your Coverage

  • Multi-policy discounts for home, auto and watercraft
  • Taking a safety course
  • Multi-unit discounts when you insure more than one PWC
  • Customer loyalty or new customer discounts

These are just a few ways you and your family can get PWC insurance discounts. Without the proper insurance coverage, you risk being hit with unmanageable costs. An independent agent can help you make sure your premiums are as low as possible while making sure you are still covered.

When you are out having fun, the last thing you want to worry about is whether or not your PWC insurance policy is substantial enough for your needs. Working directly with a local agent can help ensure you have the right amount of coverage to prepare your family in the event of an accident, theft or loss.

Ways to Make your PWC Insurance Affordable

Not all PWC Insurance policies are created equal, and there are several ways you can lower the cost of coverage. First, it is a good idea to shop around and compare policy options from multiple insurance companies. Trusted Choice agents do this shopping for you, so you don’t have to.

Some of the key ways you may be able to get low cost coverage for your personal watercraft include:

  • Increase your deductible; you will pay more in the event of an accident, but your premium will be less
  • Lower your policy’s limit; however, know that you will take on more out-of-pocket risk
  • Eliminate comprehensive coverage if your vehicle does not have a high value
  • Practice safe riding and maintain a clean driving record

You can also buy a machine with lower horsepower and avoid boosting the mechanics of your watercraft. Adding even the smallest of enhancements to your watercraft can result in insurance rate hikes anywhere from 25 to 175 percent. 

If you have made any additions to your watercraft, such as aftermarket improvements, it is even more important for you to shop around for the right PWC insurance policy.

Remember to Ask About PWC Insurance Discounts

Although it may seem obvious, many people forget to ask about deals and discounts that insurance companies offer. For instance, you may qualify for a discount on your premium if you pay on an annual basis instead of monthly. 

This will lower the overhead costs for the insurance company, which in turn can make your costs more affordable.

Other deals and discounts may be available from individual insurers. For example, you may also be able to get discounts for paying via electronic funds transfer, for only using your watercraft a few times a year, or for storing it securely in a locked garage stall.

Whether you have multiple policy discounts by combining your automobile and PWC insurance, or you obtain a discount for customer loyalty, be sure to ask your insurance agent about the numerous ways you can save on your PWC Insurance policy.

personal watercraft

Save on Personal Watercraft Insurance

Our independent agents shop around to find you the best coverage.

Finding the Best Policy at the Best Price

When seeking the right PWC Insurance policy at an affordable rate, an independent agent in our network can help. These agents partner with multiple insurance companies and can do all the comparison shopping to find the right coverage for you at a price you can afford. 

Contact an independent agent today for free quotes and personalized assistance.

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