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Obtaining boat trailer insurance is cheaper if you select the proper vehicle to reduce the chance of accident. With some vehicles, the car or truck will tend to tip if the weight of the boat is too high, even if the vehicle is fit with a hitch. You must consider the towing power of the vehicle as well as its ability to tow large loads prior to choosing it as the vehicle you will use to tow your boat. If you choose a dangerous vehicle, your boat trailer insurance will be much higher.
Check the Car Specs
Your car specifications from the dealer should give you an idea of the payload that vehicle is equipped to handle. Next, search online through consumer reviews to determine how well the car really stacks up when it is towing a full load. Your insurance company may have standard requirements for car specs in order to provide you boat trailer insurance.
Check the Boat & Trailer Specs
Your boat and trailer will have a large say in which car you should select, or visa versa depending on which you are purchasing first. The specs for the trailer will recommend a minimum horse power and torque to provide for correct towing capacity. Remember to add the weight of the boat and trailer together, along with the weight of any cargo on the boat, to determine the true weight of the payload. Again, check with your insurance company for minimum requirements so you don't overpay in premium.
