Boaters should keep safety in mind, both in and out of the water. One of the best ways to stay safe is to understand the risks you face, and how to avoid them.
As a boater, you're often required by law to understand and follow safety practices. However, you can even go above and beyond legal requirements to reduce your risks. Many boat insurance companies award discounts for customers who show a commitment to safety.
For example, a customer who takes an optional boat safety course might qualify for insurance discounts. These courses can help you better protect yourself on and off the water.
Here's more on the benefits of taking such a course in Minnesota.
Boating Legally in Minnesota
Before you think of enrolling in a boating safety course, it's important to make sure you're aware of state boating laws. Minnesota requires boaters to follow the following regulations to operate their vessels in the state:
- State residents who own a boat must carry proper registration. Your registration functions similarly to car registration, and requires periodic renewal. The registration will also come with a title to prove ownership of the craft.
- Minnesota does not require boaters to carry boat insurance. Nonetheless, do not underestimate the importance of carrying a policy in the Land of 10,000 Lakes.
- Boaters who are 18 years old or older do not have to carry special licensing. However, boaters between 12 and 17 years old who operate certain boats will need to pass a safety course and receive an operator's permit.
Familiarize yourself with the state's operational requirements. Knowing the law is the first step toward better safety.
Why Taking a Boating Course is Important
Minnesota does not limit participation in state-sponsored boating safety classes. That means any boater can take a course.
And insurers make this worth your while. Many will offer discounts to boaters who complete Minnesota boating safety courses.
These courses review:
- State boating laws and requirements
- Preparation, maintenance and safe storage techniques
- Navigation, lighting and signal instructions
- Emergency preparedness, intervention and lifesaving techniques
- Water sport safety
These are all valuable items to understand, regardless of requirements. So, what are you waiting for? Enroll in a course and stay safe on the water. As a reward, you could save money on your policy.
Speaking of that boat insurance policy, do you have one? And are you satisfied with it? If the answer is no, Lancette Agency, LLC can help find you a new one. Call us at (651) 264-1230 for a free Minnesota boat insurance quote.