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You could save hundreds of dollars a year by getting multiple snowmobile insurance quotes

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How to shop for your next snowmobile insurance policy on Hardbacon

Comparing the prices of several insurers before choosing a snowmobile insurance policy generally saves hundreds of dollars a year. Follow these 4 steps to do so.

Tell us where you're located

The first step is to enter your province of residence in the box on the left, and click on the "Compare prices" button. Your province will help us redirect you to the appropriate partner.

Tell us more about yourself

The second step is to fill out our partner's form, which will begin by asking you for your contact information and other personal information that is necessary to obtain snowmobile insurance quotes.

Tell us more about the type of driver you are

The third step is to answer questions about your record as a driver, and about other drivers who'll be using the snowmobile you want to insure. This is where you'll provide information about any snowmobile driving proficiency certificates and if you've ever had an accident on a snowmobile.

Tell us more about the snowmobile you want to insure

The fourth and final step before you can submit your request is to answer questions about the snowmobile you wish to insure. Here you'll indicate the vehicle's make, model, year and mileage.

A few tips to save on your next snowmobile insurance policy

Join a snowmobile club

Some snowmobile clubs in Canada allow their members to get discounts on their snowmobile insurance policy. Also, joining a snowmobile club is a good way to learn about snowmobiling and to practice this sport safely.

Combine your insurance products

By insuring all of your property and belongings with the same insurer, you can benefit from additional discounts. Insurers often offer discounts when you insure multiple vehicles with them.

Increase your deductibles

One way to save on your snowmobile insurance premiums is to select a higher deductible. The most common deductibles for snowmobile insurance are $250 or $500. You can increase this to $1000 in order to save some premium. Just remember that if you do make a claim, you'll need to pay a little more at that time.

Protect your snowmobile against theft

Since snowmobiles are easier to steal, installing an anti-theft system could reduce your premiums. You can purchase these at most snowmobile dealerships. It can also be beneficial to store your snowmobile in a closed and locked place to avoid attracting thieves.

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Learn more about insurance

Frequently-asked questions about snowmobile insurance

Since several factors influence the price of your snowmobile insurance premiums, it's difficult to provide an approximate price. As the snowmobile is out of use a little more than six months a year, your insurer will take this into account.
A snowmobile must at have liability coverage for an amount of between $200,000 and $1,000,000 depending on your province of residence. Additional coverages, however, are optional. Although hundred of thousands in coverage may seem like a lot, a snowmobile accident has the potential to be very costly.
A trailer, no matter how useful, will never be covered on your home insurance. Your trailer should ideally be individually insured in order to be well covered.
Since the law provides that the minimum age to drive a snowmobile is 16, a 16-year-old driver can purchase snowmobile insurance. However, since insurers consider that the risk of an accident is higher at this age, the premiums will be more expensive.
Most property and casualty insurance companies in Canada offer snowmobile insurance. For example, you can buy this insurance from companies like Beneva, Desjardins, Industrial Alliance, Intact and Promutuel.
Just because you only drive your snowmobile on a lake doesn't mean you're exempt from the legal requirement to have liability coverage.
If you're involved in a snowmobile accident, you could earn demerit points related to your driver's license. Therefore, a snowmobile accident could have an impact on your auto insurance premiums at the time of renewal. Your auto accidents will also have an impact on your snowmobile insurance premiums.

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