Did you know that Colorado is on the list of most beautiful states in America? The state is considered one of the best places for outdoor activities. In fact, statistics show that 92% of Colorado residents take part in outdoor activities annually.

Colorado has a landscape that provides ease for enjoying many activities like camping, mountain climbing, skiing, etc. This includes riding snowmobiling along with other fun activities. 

Although snowmobiles provide plenty of outdoor fun, you must acknowledge that these are dangerous vehicles and can cause harm to the people riding them and the people near them. Not to mention, these are expensive vehicles whether you are buying or getting them repaired. 

Hence, it is important to learn about snowmobile insurance in Colorado to enjoy your favorite activities without worrying about the financial suffering you may have to go through in case of an accident or damage to your vehicle. 

Is it Mandatory to Buy Snowmobile Insurance in Colorado?

Snowmobile insurance is not required by law in Colorado. That said, state laws do require you to register your snowmobile in Colorado. 

Some national and public parks also require the rider to have proper insurance if they wish to ride their snowmobiles on their premises.   

What Coverage is Provided for Snowmobile Insurance in Colorado?

Most insurance companies in Colorado typically provide the following coverage for snowmobile insurance policies:

Liability

Some models of specialty vehicles can be very aggressive. Collisions or accidents involving such vehicles can cause a lot of damage to people or property near them. In return, these people can even sue you. Liability coverage provides you protection from third-party claims and also helps pay for damages if you end up hurting someone, damaging someone’s property, or causing damage to another snowmobile. 

Comprehensive and Collision

This coverage will provide financial protection if your snowmobile gets damaged due to collision or otherwise. The insurer will compensate you by paying the repair or replacement costs depending on your snowmobile type and model. 

Medical Coverage

Medical coverage provides compensation to pay medical bills in case you have injured someone while riding your snowmobile. Since healthcare can be quite expensive, medical coverage is an excellent way to give yourself some financial protection at a distressing time. 

Uninsured and Underinsured Motorists

This coverage is pretty common and often required by law for automobiles. Since snowmobile insurance in Colorado is not a requirement by law, it is possible that most riders don’t have insurance. Since nearly the whole population is involved in outdoor activities in Colorado, it is essential to get this coverage so you are protected in case you get into an accident the snowmobile owner is not insured. 

What is Not Covered by Snowmobile Insurance in Colorado?

Insurance companies in Colorado will not provide coverage in case of the following situation:

• If you have committed a crime while riding the vehicle and sustained injuries or your vehicle has been damaged, your insurer will not accept any claims. 
• Getting injured or damaging your vehicle during a race is not an acceptable claim for getting coverage. However, you may get a Colorado racing insurance policy if you often take part in racing. 
• Intentionally running someone over or causing intentional property damage will not be covered by the insurer. 
• If you or someone gets injured or property gets damaged while your snowmobile is being used for making a delivery or giving people rides for money, the insurer will not provide you coverage.
• Causing an injury (yourself or someone else) or damaging someone’s property while driving on the road will not be covered by the insurer.

What is the Cost ofSnowmobile Insurance in Colorado? 

The cost of an insurance policy in Colorado is based on several varying factors like:

• Your driving history and experience
• Your vehicle model and type
• Owning more than one specialty vehicle

Snowmobile insurance in Colorado is purchased separately. Hence they have different average costs. 

What is the Cost of Snowmobile Insurance in Colorado?

Again, the cost of snowmobile insurance in Colorado will depend on several factors and vary for each policyholder. Furthermore, it depends on the coverage you have bought and the money you are willing to pay (deductible). However, an annual average cost of snowmobile insurance in Colorado would be $90 to $110 with only liability coverage in the policy. In case you opt to purchase an extensive policy, then it would cost around $400 to $2900 on average per year.

Wrapping Up

It can be really thrilling to drive snowmobiles. However, whenever you engage in such activities, it is important to ensure that you and the people around you are safe. Hence, an insurance policy is a great safety net, so you enjoy your leisurely outdoor activities without a worry. 

At times, people assume that their renters or homeowners insurance includes their snowmobiles. However, that is most likely not the case. If you wish to find out, you can always consult an insurance advisory firm that will thoroughly review your policy and advise you so you can get the most out of it. 

Badgers Insurance Advisors have decades of experience in the field, and we ensure all our clients get the safety they need through the right insurance policy. We help them compare costs, and our professional advice helps them make the right decision at the right time. 

Contact Badgers Insurance Advisors today and find the best snowmobile insurance in Colorado!