There are several ways to get a better rate on your boat insurance. Some of them are beyond our control, but others are a matter of personal choice. With a little patience and research, one can improve the rate to a good degree and save a good deal of money in the long run.Basic improvements to your boat insurance rate are not all that hard to accomplish. The main thing you need is patience. All good things to those who wait as the old saying goes. If waiting is not a problem then there is no reason why you should not be able to get a decent boat insurance quote.