Towing And Trailering A Boat

Towing And Trailering

A trailer can add a new dimension to the sense of freedom associated with boating.  Once you have a
trailer, you're pretty much free to boat anywhere you decide, lakes, rivers, or inlets.  A trailer allows you to explore your area and is also the most affordable way to store your boat.

Starting out If you've never owned or trailer or trailered a boat before, there are several things you should know and consider.  The first thing is the towing capacity of your truck, car, or SUV.  If you don't know, you can easily find the information in your owner's manual.

Normally, small cars or family sedans aren't suitable for towing, although small boats may not be a problem if you have the proper towing equipment installed on the car.  Most standard trucks or SUVs can tow boats up to 25 feet, although you'll need to check the owner's manual to be sure.

Weighing in your boat's owner's manual, you'll find the dry weight of your boat.  The dry weight is the weight of the boat without fuel or gear.  Always make sure you assess your vehicle's towing capacity and add a few hundred pounds to the dry weight to cover these types of extras.

Muscle and power As the weight, length, and beam of a boat increases,  so does the power needed to retrieve and launch it. Smaller boats may be easier for one person to handle,  although larger boats will require more than one person.  If you need extra help, don't be afraid to ask for it - as trailer boaters are always ready to give you a hand if you need it.

Financing A Boat

Once you decide to buy a boat, you'll find yourself wondering how you are going to pay for it.  This type of purchase will involve some type of financing,  whether it's a credit line through the home, an
unsecured loan, or a boat line.  Choosing the right financing source can be just as important as choosing the right boat.

When choosing a source of financing, there are several things to consider.  The first factor is
how long you plan to keep the boat.  If you are buying the first boat, it'll make more sense to find
a loan that will be flexible enough for an early payoff via a private party or even a trade-in.

If you are purchasing the boat of your dreams, you should expect to have it financed for a long time
which makes it important to get a fixed-rate loan with terms that allow for a low monthly payment.

Another factor you'll need to consider is the down payment.  Most lenders or dealers would like to see at least ten percent down.  Zero down payments do exist for those with good enough credit.  Normally, the down payment doesn't  significantly change the monthly payment for your
boat loan.

Choosing the right type of boat loan is a very important part of the entire buying process.  You
can start with a boat finance brokerage, which will show you how each one of the available options
fit into your profile.

Doing this will give you the knowledge and agility you need to find the loan that best fits you and
your budget.  Then, you can concentrate on the important things - taking your new boat out on the
water.

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