It's fairly easy to get a quote on boat insurance online - simply type boat insurance into a popular search engine and watch the insurance companies come in like a lightweight speed boat. However, how can you find a better rate on your boat insurance? Here are five tips to help you in your search.
1.Patience is a virtue. It took you long enough to buy your sail boat so a little more patience, as you've observed, can always help. Don't sign with the first boat insurance company because they offer a seemingly good price. Compare that price to other insurance quotes and settle on the best one after a patient search.
2.Modesty is a virtue. If you want a sporty, super-fast boat then expect to pay for it, just like with car insurance. Sport boats are more expensive to insure, but safer boats such as pleasure crafts and with nominal speeds are more likely to be discounted. Avoid boats with extremely powerful engines, outrageous speeds and a lightweight design. If you're already that good at controlling that speedster, who needs insurance anyway?
3.Boat value is an expense. In addition to safety, boat value is an important issue. If the boat has some extreme value (pay offs for accidents or death) then naturally a high insurance quote will come back to you. Check a few different insurance companies to make sure you have the best deal and try lowering the total insurance policy to save on monthly premiums.
4.Being reckless is an expense. Just like on the road, in the water safety is a primary concern. Many insurance companies will offer discounts on boat insurance premiums if the owner completes a boating safety-training course. This not only teaches you how to boat more effectively but can also teach you how to avoid making any errors that could cost you and the insurance company a lot of money. While insurance companies have lots of money to lose, you have your entire life to worry about!
5.Staying with the same insurance company is a virtue. You can also look for extra savings by contacting the same insurance company that handles your car insurance and homeowners insurance policies. Often times, companies offer discounts to the insured who have multiple plans. It protects you and likewise gives the company more money, while simplifying the bill paying process. These 5 tips can help you save on boat insurance quotes. See you out on the water!
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