{"id":346,"date":"2012-05-15T02:59:17","date_gmt":"2012-05-15T02:59:17","guid":{"rendered":"http:\/\/www.unitedmarine.net\/blog\/?p=346"},"modified":"2012-06-28T17:35:12","modified_gmt":"2012-06-28T17:35:12","slug":"tricks-to-lower-your-boat-insurance-costs","status":"publish","type":"post","link":"https:\/\/www.unitedmarine.net\/blog\/index.php\/2012\/05\/15\/tricks-to-lower-your-boat-insurance-costs\/","title":{"rendered":"Tricks to lower your boat insurance costs"},"content":{"rendered":"

Figuring out what the costs for your boat insurance<\/a> is going to be is not easy to do without contacting a boat insurance company.\u00a0 There are different factors which are considered when a company is figuring a quote, so really, there are no tricks to it.\u00a0 But, there may be things you can do that will help lower your premiums.<\/p>\n

For instance, most insurance companies will give a discount for those boaters who successfully complete an approved boating safety course<\/a>.\u00a0 These are the courses that are approved by the National Association of State Boating Law Administrators (NASBLA), and courses by the Coast Guard Auxiliary, Power Squadron and others.<\/p>\n

Costs are also determined by the area you will be boating.\u00a0 Areas that are prone to hurricanes, coastal regions compared to inland, will usually have a higher premium and deductibles.<\/p>\n

When figuring the cost for a premium, the boat insurance company will take into consideration the operators driving record, experience as an operator, and what kind of boat it is.\u00a0 The operator with a good driving record may have better premiums than that of someone who is on first name basis with the Traffic Court Judge in town.\u00a0 Your driving record may very well have an impact on the cost of your boat insurance.<\/p>\n

\"\"<\/a>

Bajamarine.com presents the 35 Outlaw<\/p><\/div>\n

The amount of experience one has compared to the type of boat being insured will have an impact as well.\u00a0 If the first boat you ever buy is a Baja 35′ Outlaw, your premiums and deductibles will probably be high. \u00a0So, be sure to stay within your comfort range, stay with the size you have operated before; grow in to that 35 footer.<\/p>\n

Most older boats and high performance boats (speed boats) will have higher premiums and deductibles as will gasoline powered boats be higher than the diesel vessels.<\/p>\n

One can also lower their deductibles by the hull deductible<\/a> that is picked.\u00a0 The hull deductible is the amount the boat owner will pay in the event of a loss to the hull, machinery, or equipment.\u00a0 .<\/p>\n

There are those companies that have flat deductible rates – $250, $500, $750, or $1000; while other companies charge a percentage of the boat value, usually 1% or $250 minimum.\u00a0 Boat insurance companies may also allow a discounted premium if the boat owner agrees to a higher deductible.\u00a0 The amount varies and depends on the percentage rate and boat value as well.<\/p>\n

Oh, and the obvious \u2013 the fewer the claims you file, the better the insurance premiums.\u00a0 So, complete a boating safety course, learn all you can to keep your family, friends, you and your boat safe while keeping your boat insurance costs down.<\/p>\n","protected":false},"excerpt":{"rendered":"

Figuring out what the costs for your boat insurance is going to be is not easy to do without contacting a boat insurance company.\u00a0 There are different factors which are considered when a company is figuring a quote, so really, there are no tricks to it.\u00a0 But, there may be things you can do that […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[242],"tags":[10,205,202,200,201,199,204,203,129,208,206,4,207],"class_list":["post-346","post","type-post","status-publish","format-standard","hentry","category-boat-insurance-2","tag-boat-insurance","tag-boat-insurance-premiums","tag-boat-safety-classes","tag-boat-safety-courses","tag-boating-safety-classes","tag-boating-safety-courses","tag-deductibles","tag-hull-deductibles","tag-nasbla","tag-power-squadron","tag-quotes-in-90-seconds","tag-united-marine-underwriters","tag-uscg-auxiliary"],"_links":{"self":[{"href":"https:\/\/www.unitedmarine.net\/blog\/index.php\/wp-json\/wp\/v2\/posts\/346","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.unitedmarine.net\/blog\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.unitedmarine.net\/blog\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.unitedmarine.net\/blog\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.unitedmarine.net\/blog\/index.php\/wp-json\/wp\/v2\/comments?post=346"}],"version-history":[{"count":10,"href":"https:\/\/www.unitedmarine.net\/blog\/index.php\/wp-json\/wp\/v2\/posts\/346\/revisions"}],"predecessor-version":[{"id":472,"href":"https:\/\/www.unitedmarine.net\/blog\/index.php\/wp-json\/wp\/v2\/posts\/346\/revisions\/472"}],"wp:attachment":[{"href":"https:\/\/www.unitedmarine.net\/blog\/index.php\/wp-json\/wp\/v2\/media?parent=346"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.unitedmarine.net\/blog\/index.php\/wp-json\/wp\/v2\/categories?post=346"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.unitedmarine.net\/blog\/index.php\/wp-json\/wp\/v2\/tags?post=346"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}