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New customer to Sun Coast? You are in the right place. Select a product below to get started.
Personal watercraft (PWC) insurance doesn't have to cost a fortune. Whether you're new to Jet Skis or own multiple watercraft, there are smart ways to reduce your premium without sacrificing the protection you need. The key is knowing what insurers reward—and how to structure your coverage to your advantage.
If you insure more than one personal watercraft, you could qualify for a lower rate. This is ideal for families or friends who ride together and want to simplify coverage under one policy.
Have five or more years of boating experience? Many insurers will consider you a lower risk and reduce your premium accordingly. The longer you’ve been riding without incidents, the better your odds of qualifying.
Age can work in your favor. If you’re 40 or older, insurers may offer discounted rates based on statistical risk profiles. This is one of the easiest ways to save—just by being in the right age bracket.
Some insurers offer a program that lowers your deductible by a fixed percentage for every year you go without a claim. In some cases, you could reach a $0 deductible by your fourth consecutive claim-free year. It’s a built-in reward for safe riding.
Cutting coverage to lower your price is rarely the best move. Instead, tailor your policy to fit how you actually use your PWC. For example, if you ride solo and don’t tow, you may not need certain endorsements. But if you ride with passengers or store gear onboard, make sure liability and personal effects coverage are included.
Choosing a higher deductible can lower your premium—but make sure it’s an amount you’re truly comfortable paying out of pocket if something happens. On the flip side, a lower deductible might offer peace of mind and encourage quick repairs.
Where and how you store your watercraft matters. Locking it in a garage, using a covered marina slip, or keeping it on a trailer with a wheel lock can reduce the risk of theft or damage—and that can reflect positively in your premium.
If you’ve made changes—like switching storage locations, reducing usage, or adding a second PWC—let your insurer know. A quick update to your policy could unlock savings or adjust your rate more accurately to reflect your current risk.
Every policy is different. Discounts, coverage tiers, and eligibility vary between insurers. Be direct: ask what discounts you qualify for, what you might be missing, and how to adjust your plan without weakening your protection.
