I have to agree with NHBOUY. If my gfbl was very dangerous, I would be paying more than $110 a year on boat insurance. In fact my best friend has one of those family bowriders and he is paying $700 a year. I wonder why the insurance industry consider a bow rider more of a risk than my LS?
I avoid the weekends during prime season and enjoy the weekdays. Off season is the best for weekend boating. September is the best time of the year to boat. Seems like when the kids are back to school, the 'cowboys' are gone!