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How to Get the Best Rates on Boat Insurance in California

boat insurance

To get the best rates on boat insurance in California, you have to know where to find the discounts. Most people know about insurance discounts for home, auto, and life insurance, but most people don’t know how to get cheaper rates on boat insurance. There are a few simple qualifications, and the results can vary depending on your provider, but the more questions you can ask, the better. Here are some of the top choices for finding the best rates.


Boat Insurance Discount Options


Multi-Policy Discount

Many boat insurance providers in California will provide a discount on your boat insurance if you carry other insurance policies with them already, such as car insurance or homeowner’s insurance.

Diesel Fuel Discount

If your boat uses diesel fuel, some insurance providers will offer a discount on your plan. Check with your provider to see if your boat qualifies for this discount.

Claim Free Discount

If you have not made an insurance claim on your boat, you may be eligible for a “safe boat” discount of some sort. Contact your current boat insurance agent to see if you can add these savings to your plan.

Pay in Advance

Check with your current provider to see if there are any savings on boat insurance if you pay in advance. Many companies offer a lower rate if you pay further in advance, such as quarterly or even yearly payments.

Boat Safety Course Discount

While boat safety is very important for you, your family, and other boats on the water, it may help you save money on boat insurance too. Contact your local insurance provider to see which boating safety courses can help you save.

HomeOwner Discount

Do you own a house, townhome, trailer, or condo? This may give you an additional discount on your boating insurance plan. Some companies offer this discount to homeowners.

Original Owner Discount

If you are the first and only person that has owned your boat, you may be able to get a discount on your plan. It is an easy way to get a lower rate, if your provider offers it and if you qualify for it. It never hurts to ask!