You’re a careful snowmobile rider, right? You take all the right precautions and never let your excitement for the sport get the best of you. Ok, so even the best of us lose sight of this and accidents have been known to happen. That’s why your snowmobile insurance policy includes coverage such as collision, comprehensive and bodily injury and property damage liability. We’re going to take a closer look at collision coverage and why you’ll need it.

We’ve already talked about that when purchasing snowmobile insurance, you’ll be protected if anything bad happens to you while riding. Collision covers you for damage to your snowmobile when you collide with another vehicle or object.  This can include a snowmobile, a pole or another nonliving object – let’s face it, when the snow is really coming down or if you’re enjoying a night ride, you may not be able to see objects in front of you, no matter how big they are. And sometimes, things just jump out if front of you… there’s no way it was your fault.

Higher Deductible Means Lower Premium

An important part of snowmobile insurance’s collision coverage you should pay particular attention to when selecting a policy is the deductible. The deductible is the amount you choose to pay upfront before the snowmobile insurance policy pays. The higher the deductible you choose, the lower the collision coverage cost. This means you pay a deductible out-of-pocket when you’re getting your snowmobile repaired and your insurance company pays for the remaining damage.

There are a few choices when it comes to choosing a deductible, and the most popular amounts are $200 and $500. These amounts may differ, depending on where you live, so be sure to check with your powersport broker to decide which amount is the right one for you and your snowmobile.