If you use your boat occasionally your rates will typically be lower than if you tow skiers or parasailers every day.

Good automobile drivers tend to be good boat drivers.

You may have to pay more if you have filed many claims in the past.

Adding your teenage son as a driver on your policy, for example, may increase your rates.

Have you had a certified safety course? Do you have a specific hurricane haul-out plan; Do you have Coast Guard approved fire extinguishers and radios to communicate with the mainland? Are your navigational plans in place?

Often, boats with a higher horsepower engine will have higher insurance premiums assigned to them.

Studies have found that women over the age of 2710 to be quoted for better rates than men of the same age, even with equal driving records.

Year, make and model of the boat and motor, and whether you have an inboard or outboard motor come into play when determining rate.

This will determine if you will be using the boat in areas where there are natural hazards.

Insurance companies have found that a person with a lower credit score is statistically more prone to boating accidents.