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One of the best things about living in San Diego is the beautiful beaches and open waters. Many San Diegans own boats and enjoy sailing Mission Bay and the Pacific Ocean. With water sports come boat-related dangers. To protect yourself from physical damage and liability, you need to get a good insurance policy. KM Insurance Services has been in the insurance business since 1978 and can give you a San Diego Boating Insurance quote that will match or better our rivals.
How Much Does Boating Insurance Cost?
Boating insurance quotes are based on many factors. Insurance companies use a complicated formula to calculate the price of boating insurance. These calculations are based on the boat you are trying to insure, the person who will be sailing it, and the location where you will be sailing.
The Boat: Boats which come with safety measures such as fire extinguishers, radars, and GSP tend to be cheaper to insure. Boats which already have insurance coverage tend to be cheaper to insure than those which have not had any previous coverage.
The Captain: Boat operators who are experienced and have no prior history of boating accidents tend to have cheaper rates. Interestingly, insurance companies use your driving safety record as a measure of your sailing skills (good drivers tend to be good sailors). Having completed Boating Safety Courses will also help lower your insurance rate.
The Destination: Recreational boaters who sail near the coast will have higher insurance rates whereas inland boaters will have cheaper insurance policies (sailing along the coast is riskier than sailing in a lake).
Get a San Diego Boating Insurance Quote
Getting an insurance quote from KM Insurance Services is not hard. We have developed relationships with over 20 insurance providers so we can match you with the best policy available. When you’re out in the ocean, we want you to be protected against physical damage and liability. Please contact us by Email or by telephone at: (619) 667-2880.