Information provided by AAA’s Insurance Provider: Foremost Insurance & Jarrod Long
With the crisp winter air, it won’t be long before you’re able to take your snowmobile out on the trail, if you haven’t already. Before you do, you may want to ask your insurance agency some questions about snowmobile insurance coverage. Foremost Insurance Group has some suggestions to help you get started.
1. Is my optional equipment covered?
You’ll want to know if your windshields, new seats or running boards are covered under your current policy, if they aren’t included as standard by the manufacturer. says A good policy will give you a set amount of coverage for optional equipment included with your comprehensive coverage, with the ability to purchase more.
2. Is my safety apparel covered?
Helmets, gloves, boots and any other clothing designed to minimize injury are generally considered safety apparel. Be sure to discuss what this coverage includes with your AAA agent. Typically damage to safety apparel is covered, but theft is not.
3. What kind of higher limits are available for Liability coverage?
Liability coverage is important in case you are found responsible for someone else’s injury while driving your snowmobile. Considering attorney fees and other costs associated with litigation can increase quickly, having the option for higher limits is a plus. Based on their financial situation, most people try to match their snowmobile liability limits to the liability limits they have on their automobile.
4. Are there discounts available for snowmobile coverage?
You may qualify for a multi-policy discount if you insure more than just your snowmobile with the same company. Specifically for snowmobiles, you may be able to get discounts for taking safety courses or having multiple vehicles.
5. What payment plans are available?
Talk to your AAA agent. Insurance companies offer many different plans such as one-pay, four-pay or ten-pay options.
Have more questions?
Stop into a AAA Service Center or contact a AAA Insurance Agent today to make sure you’re covered before you hit the trails.