At R&R Insurance Group LLC, we advise our clients in Quakertown, PA, not to cancel their boat insurance in the off-season. You never know when rates can change. Canceling means you could be susceptible to the new increased rate when you come back in the summer. Maintain your old policy to stay covered. While we are here, check out the following three tips you can use to properly insure your watercraft.

1. Take a Boating Safety Course

Before you buy a boat and insure it, take a boating safety course with certification. This will make you a lower risk in the eyes of your insurer when you purchase a policy. People with lower risks associated with them get lower prices on their policy. It’s as simple as that. It’s also just a good idea because you are less likely to get hurt or damage your watercraft.

2. Bundle it

Consider bundling your boat insurance with your home or auto policy. Think of doing this like buying a product in bulk. Whenever you do this, a store gives you a lower price. Your insurance company is likely to do the same. Always ask your current insurance provider about doing this before you sign up for a new policy.

3. Raise Your Deductible

If you think your risk is lower than what the insurance company says, raise your deductible. You will only incur this cost if something happens. A higher deductible typically results in lower monthly premiums. It’s best to determine the optimal balance between upfront costs and deductibles for your budget.

We have been helping Quakertown, PA, boat owners save money on their watercraft insurance for years here at R&R Insurance Group LLC. Give us a call today if you want great coverage for your boat.