Safety Pays: How to Earn a Safe Boater Discount

Posted by Safeco August 29, 2016
Insurance Savings: Tips to Help You Earn a Safe Boater Discount

Taking a Basic Boating Course Could Pay Off With an Insurance Discount

It’s smart to be safe while you’re boating. It’s even smarter to be safe and thrifty.

Insurance providers often offer discounts for boat owners who complete boating basics or safety courses. The best news: You may already qualify!

In most states, boaters need to pass a course of basic skills and knowledge before they can legally operate a boat. If you already have, check with your independent insurance agent on whether the course you took qualifies you for a discount.

If not, your state boating authority can steer you to approved classes. State certification courses follow the standards of the National Association of State Boating Law Administrators (NASBLA).

Taking such a course typically results in a boating license or certification, not just a potential insurance discount. Local clubs and organizations, community colleges and independent instructors offer a mix of classroom and home study courses, as well as hands-on training.

Learn: The Basics of Boating Safety

A basic course covers just that: the basics you need to know to operate a boat safely. Topics of instruction can include:

  • The proper techniques for docking, mooring and anchoring.
  • How to avoid collisions and respect others in or on the water, including snorkelers and smaller boats.
  • What to do if your boat capsizes, someone falls overboard, a fire breaks out or your boat runs aground.
  • Using safety equipment, such as life jackets, fire extinguishers and distress signals.
  • Basic navigation rules and equipment.

Save: Get the Maximum Boat Insurance Discount Possible

To get the maximum discount available from your insurer, consult with your independent insurance agent before you sign up for a course. The basics may be enough to earn your state certification. But, some insurance providers offer additional discounts if you take a safety course through groups like the U.S. Coast Guard Auxiliary or U.S. Power Squadrons. Both organizations have local affiliates across the country.

Saving on boat insurance while learning how to be a safe boater? Who wouldn’t be all aboard for that?!


Go Further With Your Boating Skills

The summer boating season may be just about over, but the opportunities to improve your boating skills are endless. Advanced boating classes on weather, navigation and cruise planning could pay dividends in your enjoyment, confidence and safety on the water, even if they don’t knock anything off your insurance premium.

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Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.