Snowmobile Insurance: How It Prepares Your Deep Snow Snowmobile for the Winter Season

snowmobile insurance for winter

Do you own a snowmobile or want one? If so, you’ll need to protect yourself physically and financially. Here’s what you need to know about preparing your sled for winter and getting the right snowmobile insurance.

  1. Examine the Handlebars

    The first snowmobile components to test are your handlebars. Make sure both the throttle and brake lever function properly. If they don’t and you ride anyway, your snowmobile insurance might not cover an accident that could have been prevented. The throttle should have smooth action and quick release.

  2. Test the Starter Rope

    You can test the starter by ensuring the stop switch is down. Then remove the safety tether and gradually pull the starter rope. Inspect the entire cord for damage. It must be replaced before riding if you see any noticeable wear and tear on the rope. Next, make sure the knot at the pull handle is secure. Testing the engine stop switch is essential to ensuring it works properly.

  3. Charge the Battery

    Test the snowmobile’s battery by giving it a full charge. If the battery doesn’t hold the charge and quickly weakens, you’ll need to replace it. Without start-up power, you can get trapped in the snow.

  4. Remove and Inspect the Drive Belt

    After you remove the drive belt, examine its full diameter on both sides. If you see any damage to the belt, such as separation or narrowing, you’ll need to replace the belt.

  5. Check and Change the Oil Level If Needed

    Measure the oil level to make sure it meets the manufacturer’s recommendation. Riding without enough oil can damage the engine. It’s good practice to change the oil periodically, based on the operator’s manual instructions.

  6. Look at The Rear Suspension

    Rear suspension components include the idler wheels, slider shoes, ice scratchers, and chassis. Examine each of these parts for wear and tear. Consider applying synthetic suspension grease.

  7. Other Items to Inspect Before Riding
    • Exhaust outlet should be free of obstruction
    • Headlights, taillights, and high and low beams should all be working
    • Oil, brake, or coolant leaks should be fixed immediately
    • Shocks should not have leakage around seals
  8. Assess Ski Alignment and Condition

    Proper alignment of skis is crucial to maintain control of the sled. The bottom of skis can become degraded over time from regular usage. Make sure the ski surface is smooth. You should also check track tension based on the manufacturer’s operator manual instructions. If you find worn or bent carbide, replace it before riding.

Get Your Snowmobile Coverage Today!

If you want to have fun in the winter with a snowmobile, make sure you are equipped with snowmobile insurance that matches your risk level. Contact us today at Gee Schussler Insurance, and our professionals will help you craft a customized policy according to your needs!