A policy for snowmobile insurance in Maine is going to be comprised of the same components as a car insurance package, but beyond that, there are going to be a lot of differences between the two.
For starters, both your snowmobile and primary auto insurance policies in Maine will typically be comprised of these three common coverages:
- Collision. Collision is going to cover whatever happens to your vehicle in a collision. It’s the same for a snowmobile as it is for a car.
The only real difference here is that it’s probably going to cost a lot less to cover a snowmobile, because buying, repairing and maintaining a snowmobile is a lot cheaper than the same for a car.
- Liability. Liability is the big one. Obviously all three coverages are important, but liability is what’s going to cover you if someone else gets hurt or has their property damaged in an accident involving your snowmobile. This is the coverage you’ll be most happy you had should you need it.
- Comprehensive. Comprehensive coverage will protect you against all those things that can happen besides collisions. Supposing that your snowmobile is damaged or destroyed in a flood or fire, comprehensive is there to help you out.
Now here’s how car and snowmobile insurance in Maine differ:
- Unlike car insurance, snowmobile insurance is not legally required in Maine. It’s a bad idea to go without it, but you won’t go to court over simply not having insurance.
- It’s a lot cheaper to insure your snowmobile than your car. It’s rare to hear of a snowmobile policy costing anymore more than five hundred dollars annually in Maine.
The process for buying snowmobile insurance in Maine is about the same as buying coverage for your car. Get in touch and we will discuss which plan is right for you and you are comfortable with.
