Choosing the right recreational insurance policy from a provider in West Hartford, CT like AllConnecticut Insurance is important. Unfortunately, consumers sometimes make recreational insurance mistakes that hurt them down the road.
The following are three mistakes to avoid that could unnecessarily drive up the recreational insurance premiums you need to pay.
Choosing a policy with very low deductibles
The deductible on your policy is the amount you have to pay out of pocket in the event of a claim before your coverage kicks in. The lower your deductible is, the more expensive your premiums will be. If it’s unlikely that you’ll need to file a claim, you should opt for a higher deductible. This could save you a significant amount of money over the life of your recreational insurance policy.
Purchasing an excessively expensive recreational vehicle
The more expensive your recreational vehicle is, the more it’s going to cost you to insure it. it’s important that you’re considering insurance costs before you decide to purchase a particular recreational vehicle. If the insurance costs for purchasing a particular recreational vehicle are more than you can afford, you need to downsize to a less expensive model.
Overestimating the amount you use your recreational vehicle
Those who provide recreational insurance use the frequency with which you use your vehicle to help determine your premium amounts. The less often you use your vehicle, the less you should need to pay in insurance. Therefore, you should make sure you don’t tell your insurance provider that you use your recreational vehicle more often than you actually do.
To learn more about your recreational insurance options in West Hartford, CT, contact us at AllConnecticut Insurance.