With the crisp winter air, it won't be long before you're able to take your snowmobile out on the trail, if you haven't already. Before you do, you may want to ask your insurance agency some questions about snowmobile insurance coverage. Foremost Insurance Group has some suggestions to help you get started.

1. Is my optional equipment covered?
"You'll want to know if your windshields, new seats or running boards are covered under your current policy, if they aren't included as standard by the manufacturer," says Foremost® assistant product manager Jarrod Long. "A good policy will give you a set amount of coverage for optional equipment included with your comprehensive coverage, with the ability to purchase more."

2. Is my safety apparel covered?"
Helmets, gloves, boots and any other clothing designed to minimize injury are generally considered safety apparel," adds Long. "Be sure to discuss what this coverage includes with your agent. Typically damage to safety apparel is covered, but theft is not. Check with your agent or broker."

3. What kind of higher limits are available for Liability coverage?"
Liability coverage is important in case you are found responsible for someone else's injury while driving your snowmobile," states Long. "Considering attorney fees and other costs associated with litigation can increase quickly, having the option for higher limits is a plus.. Based on their financial situation, most people try to match their snowmobile liability limits to the liability limits they have on their automobile."

4. What discounts are available?"
Discounts will help you save money on the premium you pay for your policy," Long adds. "You may qualify for a multi-policy discount if you insure more than just your snowmobile with the same company. Specifically for snowmobiles, you may be able to get discounts for taking safety courses or having multiple vehicles."

5. What payment plans are available?
"Whether you want to pay in full or in installments, having the flexibility to choose is a good option to have," suggests Long. "Talk to your agent or broker. Insurance companies offer many different plans such as one-pay, four-pay or ten-pay options."

Add a little snow and an awesome machine and you have the wonderful world of snowmobiling. Snowmobiling is a popular pastime, especially in Michigan where our campus is located. I have only been on a snowmobile three times, so I'm no expert!

Every weekend you see snowmobiles on trailers riding down the freeway or snowmobiles on snowy paths on the way to a weekend or week-long trip. Whether you are going for the day, or making a vacation out of it, preparation is essential. Anytime you venture out into the cold, some risks are involved. Severe weather, unexpected hazards, injuries, or simply losing the trail … these things can happen quickly and it's best to be prepared. So, what do you need for a successful and fun snowmobile trip?

Anytime you venture out into the cold, some risks are involved. Severe weather, unexpected hazards, injuries, or simply losing the trail…

• Map and compass
• General first-aid kit
• GPS and cellphone
• Survival kit
• Signal flares
• Waterproof matches
• Hand axe
• Flashlight
• Tarpaulin
• High-energy snacks such as candy bars
• Food and water for emergencies including enough for one extra day for each day of your trip
• Most importantly – Before You Leave … Tell someone where you plan to travel and when you will be back.

We want you to have safe travels!

When you ride the trail, put safety first! Follow the snowmobile safety tips listed below.

Know the law
Check with the local DNR, law enforcement agencies, dealers and clubs to make sure you follow all the rules in the area where you are riding.

Gear up
For optimum protection, always wear protective gear such as a safety-certified helmet, warm gloves, a windproof outer layer and boots.

Think ahead
Always carry your owner's manual, an extra belt, extra spark plugs, a tow rope, a small tool kit, spare parts, a flashlight, a first-aid kit and a few survival items such as a space blanket, waterproof matches and a compass.

Tread lightly
Respect nature and ride only in areas where it's permitted. Wait for enough snow to cover vegetation so you don't destroy it, avoid running over trees and shrubs and don't disturb wildlife around you. For more information, visit TreadLightly.org.

Maintain control and stay sharp
Keep your speed right for the conditions and your experience. Be aware of current terrain, visibility and weather conditions, potential hazards or obstacles. Ride only when your senses are sharp. Never do drugs or drink and then ride.

Check it out
Be sure your snowmobile is running properly before riding. Review your owner's manual. Follow the recommended service schedule and be sure an authorized service provider makes all repairs.

Take a friend
Don't snowmobile alone. It's more fun - and safer - to ride with a friend along.

Take care crossing roads
When crossing roads, make sure you stop completely and that no traffic is approaching from any direction. Remember basic hand signals when you are turning.

Slow down at night
At night your visibility is limited to the distance of your headlight. The slower you go, the more room you have to stop. Also, avoid riding along road shoulders at night where your headlight, and those of street traffic, could cause confusion.

Beware of water
Drowning is a leading cause of snowmobile fatalities. Never cross over a frozen lake, pond or stream. You run the risk of breaking through the ice, and starting, stopping and turning are more difficult due to less traction.

Know your protected with Snowmobile Insurance
In addition to snowmobile safety, be sure you have proper snowmobile insurance coverage to protect your vehicle and provide liability coverage in case someone gets injured or property is damaged during the use of your vehicle. Learn more about coverage options for your snowmobile on our snowmobile insurance page.

Snowmobiling is easily one of the most exhilarating winter pastimes. Whipping around in the snow and feeling the cold breeze on your face brings such a rush of adrenaline that can't be easily matched. Not to mention, they are a great way of getting around when the snow piles up! If you're considering buying one of your own snowmobiles, you're probably asking a lot of questions about what to consider when making the purchase, especially because these sleds can be quite an expensive investment.

We want to make sure you are prepared to invest your money on the best snowmobile you can find which is why we're also here to help you with snowmobile insurance — here are some tips that will get you out on the trail with the best sled around!

Be realistic about what you need
Your budget, ability, and location are all important factors when considering the purchase. How much money do you want to spend? Is newness important to you? Are you an experienced snowmobiler? These are all valid questions to ask yourself before you begin your search.

Consider buying a used snowmobile
These babies can still be some of the most reliable sleds around. Buying a used snowmobile will give you all the fun with a lower price tag, which is always appreciated!

Research different brands
Every brand out there has some great snowmobiles, but asking friends and family who own snowmobiles of their own will help you make a more educated assessment on what brand to continue with. A personal story gives you a trusted source to base your decision on.

Look under the hood
If you are buying a used snowmobile, check the hood! If the engine and clutches are dirty and covered in oil, it might not be the best idea to make the purchase. A clean sled is a healthy sled! Start the snowmobile up and let it run for 5 to 10 minutes. It should rev consistently and will give you some time to check out the different lights and other electric functions of the sled.

Ask questions
Whether you are buying new or used, asking questions is the best way to make sure you are making the most educated investment possible. Good salespeople/previous owners will know the sled and will be able to answer any question you may have.


Consider added costs
Your initial purchase will be the most expensive, but supplying fuel, maintaining insurance, keeping up with maintenance costs, and remembering registration charges go hand in hand with the original investment.


No matter what you decide, we hope you will have an exciting and safe winter sporting season.