Can Safety Courses Help You Save on Boat Insurance?

One smart move many boaters might overlook is taking a safety course to boost skills and potentially lower insurance costs. An agent from Lamas Insurance Agency can recommend safety courses that may lead to valuable discounts.

How Boat Safety Courses Impact Boat Insurance Costs

Many insurance carriers recognize that boaters who complete certified safety courses are often less likely to file claims. These courses teach safe handling, emergency procedures and basic maintenance, all of which may reduce accident risks. As a result, some insurers offer discounts to boaters who can show proof of course completion. The savings might vary, but the long-term benefit often adds up, especially for newer or high-value vessels.

More Tips To Save on Costs

Beyond safety courses, there are several ways to cut costs without sacrificing needed coverage. Consider the following strategies:

• Bundle policies—You could earn a discount if you already have auto or home insurance through the same carrier.

• Choose a higher deductible—Opting for potentially higher out-of-pocket costs may reduce your premium.

• Limit your coverage period—If you store your boat for several months, ask about seasonal or lay-up coverage options.

• Install safety equipment—Devices like GPS trackers, fire extinguishers and automatic bilge pumps may qualify for discounts.

• Maintain a clean record—Avoid accidents and boating violations to keep your risk profile low.

• Review your coverage regularly—Update your policy when you upgrade gear or change how you use your boat.

Taking a certified safety course may lead to lower boat insurance costs, but it’s only part of the picture. Combine training with smart policy decisions to get more value from your coverage.

Find the Right Agent in Longview and Tyler, TX

Lamas Insurance Agency understands the insurance needs of local boaters. Our agents can help you find available discounts and recommend appropriate coverage. Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.