Education, Financial Tip, Lifestyle, Money
by Insight Credit Union,
March 29, 2021
Are you ready to feel the lake or sea water spray on your face on a warm summer day?
Before you become a proud boat owner, you’ll need to choose what kind of boat you want to buy. They are highly specialized, so the type of boat you choose should be largely determined by your favorite water activities. Are you going to be doing lots of on-deck entertaining? Will you use your boat mainly for fishing? Are your kids dying to spend each weekend water-skiing?
There’s a boat out there for everything!
To help you hit those waves sooner, we’ve put together a handy guide for the most popular boats on the market.
With their versatile design and open bow cockpit, bowriders are an all-time favorite. Take her out for a day trip, invite your friends over for a ride at sunset or get your adrenaline boost by water skiing.
These boats were originally quite compact, but recently there’s been a small explosion of generously sized bowriders entering the market, some complete with full cabins. Most bowrider enthusiasts have their eyes set on the classic styles ranging from 18’ to 26’ in size. They’re more affordable than their monstrous cousins, yet still big enough to comfortably fit the whole family. You can find a bowrider powered by a stern drive or an outboard, depending on your preference.
The biggest upside of bowriders is also their biggest drawback. The jack of all trades is a master of none – bowriders’ versatility means they don’t specialize in any particular activity.
Are you looking for a boat that can really take you places? Then you need a cruiser! These boats are perfect for extended vacations and trips to foreign ports.
Cruisers are powerboats that are equipped with overnight accommodations, a galley and the ability to take you far. They come as small as 30’ and as large as 100’. Though typically powered with inboards, stern drives or pod drives, you can also find a select few outboard cruisers on the market.
Here are some popular cruiser styles:
3. Freshwater fishing boats
With the right fishing boat, you won’t let the big one get away! These boats are a must-have for fresh-fish aficionados. There are loads of freshwater fishing boat subcategories, though. These are the three most popular choices:
4. Pontoon boats
Pontoon boats fill the waters of smaller lakes and seaboards – and for good reason. All pontoons float on aluminum “logs” instead of the classic fiberglass hull. Pontoons were once slow and cumbersome. Today, however, they can be sleek and shockingly fast. They also offer loads of deck space and the capacity to add your favorite amenities, like a wet bar, towing arch or more.
5. Saltwater fishing boats
If you love stalking the mangroves for striped bass and tuna, you might need a saltwater fishing boat. These boats come in tremendous range of styles and sizes. Here are some of the most popular types:
6. Speed boats
Speed junkies, this one’s for you! Get off the highway and out into the water on one of these hair-raising, adrenaline-pumping speed boats. You won’t find lots of space or luxury accessories on these boats, but you’ll get a thrill out of every ride!
7. Watersport boats
If you use the water for sports, like wakeboarding, water skiing and wake surfing, you’ll need a watersport boat. This genre comes with a towing point for watersports of every shape and kind. These sports-dedicated boats are narrow in their versatility and aren’t very practical for overnighting, fishing or beaching.
When you’ve made your choice, and you’re ready to buy that boat, don’t forget to call, click, or stop by Insight Credit Union to learn about our boat loans!