Boat Insurance Quotes
December 6, 2008 by · Leave a Comment
When you’re looking into boat insurance more often than not you will be offered free boat insurance quotes. This is especially true online, most websites will offer a link immediately. Now that you have the information you need to make the best possible decision, its time to start looking.
It’s helpful to have your ownership information close. This is by and large the first set of questions for boat insurance quotes. You’ll be asked the primary owner’s name, date of birth and whether they’re the boat’s operator. Also you should know what type of ownership you have, is it single ownership, dual ownership, leased through a financial institution? You’ll also be asked in this first section what the boat is for. The options are usually individual, corporate, partnership, family or club.
Next, you’ll need to know your craft’s information. The model year and manufacturer are usually asked for first. Keep in mind the average boat insurance company won’t insure a boat that is over 30 years old. You’ll also need to know the number of engines and horsepower your boat has. At some point you’ll be asked about any other boat you own, although you normally will not need to know all the particulars about it. Other things such as whether you live on the boat and the boat’s length can also be expected.
Expect questions on the kind of coverage you are looking for. But keep in mind; you’re merely investigating boat insurance quotes not locking yourself into something permanent and binding. The next set of questions will cover where you store your boat. The boat insurance company wants to know if the boat is being used and when so that they can accurately judge the risk for them to insure it. You’ll be asked if the boat is used year round, and what kind of waters you navigate (fresh, salt, or both). As saltwater can be corrosive and damaging to a boat hull if not properly cared for the boat insurance company may consider this more of a risk.
Finally you’ll be asked a little but about the operator’s history. It’s not unusual to find questions like how many tickets and accidents the operator has had in the last five years, if the operator has ever had a DUI or reckless driving charge, and if they’ve had a previous watercraft loss. This is for the boat insurance company to determine their risk.
After all the required information has been filled out, or given to the agent. All you have to do is wait, or in the case of the Internet hit enter. You’ll then have your boat insurance quotes. Shop around a little and find one that will work the best in your situation and give them a call. Getting a multitude of boat insurance quotes at once is easier now than it has ever been, which is great news for you.
The Best In A Boat Insurance Company
December 6, 2008 by · Leave a Comment
The title asked and you shall receive. There are many factors to consider when you buy boat insurance. Really there is no right or wrong answer when finding a superb boat insurance company. As with anything there will be pros and cons with anyone you work with. It is difficult to determine the very best, but this list of 5 will certainly try.
· Progressive Boat is one of the more affordable for boat insurance rates. It is a subdivision of Progressive Auto. If you have your car policy with them it could be a wise idea to do so with your boat as you may get a discount. Because they don’t specialize only in boats their services and coverage are more limited, but more than adequate for most boaters. As an added bonus their customer service staff are widely known for being knowledgeable and very friendly. Their website also offers free boat insurance quotes.
· BoatU.S. is strictly a boat insurance company. They do not offer anything else and thus have a very comprehensive list of coverage provided and services offered. They have also proved their stability since they have been around since the 1960’s. Customer reviews state they have the best boat insurance rates available and are easy to deal with.
· GEICO Boat is also a subdivision company and part of GEICO Auto. Again, a dual policy could benefit you financially. Their services may not be as broad because they are not specialists in boat insurance rates, similar to Progressive. They are also known for insuring people who would be denied by other insurers, and this seems to hold true with their boat insurance as well.
· American Boating Association has rates that are competitive with the likes of GEICO and Progressive but has even more limited services. They do specialize only in boat insurance which can be a bonus as their staff is accordingly highly knowledgeable. Boat insurance quotes are available online as well as on the phone, but expect a longer wait on the phone.
· National Marine Underwriters also only works in boat insurance. They work in all 48 of the mainland states; although they will occasional extend insurance to other areas as well. Being in existence since the early 80s they are among the most knowledge companies around and their experience cannot be denied. Again they do offer few boat insurance quotes on their website.
This is but a small sampling of the possibilities for the boat insurance company you choose. This list was compiled of several factors that are important to most boat owners, price and extensive coverage. Research all of the options when you buy boat insurance and you cannot go wrong. As with choosing car insurance companies , the options are many, take you time and make an informed decision.
