How to Compare Boat Insurance Companies

Southern Insurance Associates


by AJaye Brown on Jul 26, 2014

As a boat owner, you probably know all about properly caring for your boat, keeping your passengers safe, and finding the best spots to enjoy a day on the water. What you might not be as sure of is how to find the best boat insurance to protect your treasured vessel.

An agent in the Trusted Choice® network can compile several competitive boat insurance quotes for you to consider, and you can rest assured you're getting a great value. Because these agents work with several different insurance companies and aren't "captive" to just one, they have access to a variety of quotes that can meet your specific needs.  Contact your local TRusted Choice agent today at Southern Insurance Associates, LLC in LaFayette, GA.


Trusted Choice vs. Big Brands

The Trusted Choice brand is built on the customer focused integrity of more than 300,000 business owners, agents and employees nationwide. With more local insurance agents than State Farm and GEICO, this network of agencies serves more consumers and pays out more claims


Assess Your Insurance Needs

Your insurance agent can help you decide what coverage is best for your boat. You can also do a brief "self-inventory" to see what kinds of coverage might be appropriate. Try asking yourself the following questions to assess your need for boat insurance:

  • Are you an avid fisher or a recreational cruiser?
  • Is your boat new or used?
  • Is your boat made for high-speeds or slow trolling?
  • What are your boat’s make, model, and length?
  • Do you boat in lakes and rivers or coastal waters?
  • Are you a solo boater or do you often entertain others?

Depending on your answers to these questions, you may decide you either need a better boat insurance policy, or you have more coverage currently than you need. Keep your answers to these questions handy when you next speak with your independent agent to make sure you have the best coverage for your needs and budget.

Find the Best Boat Insurance for Your Needs

In your search for boat insurance quotes and rates, you may begin to realize just how much goes into finding the right insurer. It can be overwhelming to determine what kind of coverage you need, and also to compare and choose a boat insurance provider.

A great place to start is by collecting a few online boat insurance quotes from reputable providers. From there, your independent agent can guide you to the right policy for your needs and budget. Independent agents like AJaye Brown with Southern Insurance Associates in the Trusted Choice network can also collect quotes for you, and help you with any insurance questions you may have.

Captive vs. Independent Insurance Agents

As the name implies, captive insurance agents are hired by one insurance company to represent and sell only that company’s insurance products. Captive agents don’t have the freedom to sell the policies provided by another insurer. On the other hand, independent agents represent many top companies, so you can be sure you’re getting the best boat insurance quotes available for your needs and budget - not just the best product a single company provides.

An independent agent essentially works for you, offering a choice of providers that can best meet your needs. You can get peace of mind that an insurance professional is by your side, doing the legwork required to get you top-notch coverage for your boat.

Compare Boat Insurance Carriers

Comparing boat insurance providers typically includes a thorough look a number of factors. You might not be familiar with the most effective methods used to compare boat insurance policies. Member agents in the Trusted Choice network can assist you here, since they represent the top companies in the industry.

As part of their evaluation, agents may consider the following:

  • Financial Stability: An independent agent compares each company’s financial standing and stability. Rating systems, like the A.M. Best credit rating company, provide a guideline by which to measure a company’s current standing.
  • Customer Service: The best companies have efficient customer service networks in the event you should need them.
  • Competitive Rates: Because independent agents work with so many different insurance companies, they have a good perspective on the fair market value for insurance that will fit your needs and budget.

Enjoy the Benefits of Trusted Choice

Evaluating your insurance needs, comparing your options, and choosing the right provider shouldn’t be a daunting task. That’s why allowing a Trusted Choice member, like Southern Insurance Associates in LaFayette, GA can be a great solution for many boat owners.

For answers to your questions, contact Southern Insurance Associates, in the Trusted Choice network today. You’ll benefit from our member agents’ experience, knowledge, and exceptional customer service. You’ll be one step closer to owning personalized boat insurance, and back on the water with one less care in the world. Contact AJaye Brown, your local Independent Trusted Choice agent today at Southern Insurance Associates, LLC in LaFayette, GA.

706-996-8788 or

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