Snowmobile Insurance Discounts

(Explore the discounts you may be qualified for)

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.


There are discounts to be found on most consumer goods, including insurance. Nearly every company that offers snowmobile insurance provides several ways to make your coverage more affordable. 

Be sure to ask your insurance agent about available discounts to ensure that you are receiving the benefits you deserve.

An independent agent in our network can help. These agents have relationships with several different insurance companies and can help you compare snowmobile insurance rates, options and discounts.

 Find an independent agent today to get your questions answered about snowmobile insurance deals, discounts and savings. Your agent can help ensure that you are getting the best policy for your needs at an affordable rate.


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Top Ways to Save on Snowmobile Insurance

  • Ride safely and remain claims free
  • Pay on time; consider paying annually to save on administrative costs
  • Take a snowmobile safety course to learn how to avoid common mistakes that lead to accidents and injuries

Snowmobile Discounts Are Available

Most insurance companies offer a variety of potential discounts on snowmobile insurance policies. The discount options differ by carrier. For example, while one insurer may provide a discount if you are a home owner, another may not. 

By owning a home, you are considered statistically more responsible and less likely to take risks. Knowing some of the commonly offered discounts can help you ask the right questions when contacting an insurance company for a quote. Here are a few that might apply to your situation:

Discounts for Snowmobile Safety Course Certification: Snowmobile safety courses are required for sled operators in a number of states. Some states only require riders of a certain age to pass a course. Regardless of whether you are required to get certified in one of these courses, there are many compelling reasons to do so:

  • The courses are inexpensive and can often be completed online at your convenience.
  • They can provide you with information on how to handle various situations you may be face while snowmobiling
  • You may qualify for a discount on your snowmobile insurance once you have safety course certification

Snowmobile Insurance Discounts for Combining Policies: Most snowmobile owners hold other insurance policies, such as homeowners or car insurance. Many insurance providers offer discounts to their customers when they hold more than one policy with the same company.

Some insurance companies will also give you a discount if you insure more than one snowmobile. If you own multiple snowmobiles, be sure to ask about your coverage options and potential discounts.

Snowmobile Discounts for Being a Good Driver: Your driving record can impact your likelihood of being involved in a snowmobile accident. Because many snowmobile accidents involve speeding and reckless driving, if you have a driving record that is free of speeding tickets or other driving citations, you may qualify for a discount. Insurance companies that offer this discount usually require you to have had a clean driving record for a designated number of years.

Discounts for Having a Theft Recovery Device on Your Snowmobile: If you are purchasing a comprehensive policy that includes coverage against theft, you may be able to receive a policy discount if your sled is equipped with anti-theft or theft-recovery devices such as GPS tracking. There are many anti-theft devices on the market, and some newer snowmobiles may come already equipped with them.

Snowmobile Insurance Discounts for Paying in Full or Electronically: Many insurance companies offer discounted rates to customers who pay their annual premium in full rather than through monthly payments.

You may also be able to receive discounts if you sign up for automatic monthly payments. These electronic funds transfer (EFT) payments will come directly out of your bank account on the premium due date. 

This option may be particularly ideal if you have combined multiple policies through one company and wish to avoid late-fees or the hassle of remembering to make your payments.


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

An Independent Agent Can Help

In addition to the most common examples listed above, some insurance companies may also offer discounts for being married, for being a member of a snowmobile association, or even for being affiliated with certain organizations. 

Be sure to research the discount options offered by each insurance company when you ask for a quote. To simplify the process, ask an agent to help you compare available snowmobile insurance discounts from several different insurance companies. 

A local member agent in your area can provide multiple quotes and help you get all of your questions answered. Contact a local independent agent in your area today.

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