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Recreational Vehicle Insurance in Michigan

Michigan recreational vehicle coverage is mandatory, as all automobile owners in the state must carry no-fault insurance at all times. Additionally, motorists must provide proof of recreational vehicle insurance coverage when registering their motorhomes with the Secretary of State (SOS). If motorists do not obtain an RV insurance policy to meet the state’s minimum requirements, then they may receive a fine of up to $500, in addition to possible jail time. Failure to provide proof of RV insurance coverage is a violation of the 2003 Michigan Driver Responsibility Law. However, motorists can obtain a recreational vehicle insurance policy to avoid fines and penalties such as these. To get started, motorists can find RV insurance quotes online to help them find a policy that best fits their budget and lifestyle. Residents can obtain affordable RV insurance quotes in MI online here. To learn more about RV coverage in Michigan, review the information below.

Michigan Recreational Vehicle Insurance Requirements

Motorists must carry recreational vehicle coverage in Michigan if they own and operate a motorhome on public roadways. Like car insurance, proof of RV coverage is mandatory when registering a motor vehicle with the SOS. To meet these RV insurance requirements, however, motorists must purchase a no-fault policy. A no-fault RV insurance policy consists of three parts, including personal injury protection (PIP), property coverage (PPI) and residual bodily injury and property damage liability (BI/PD). Basic no-fault RV insurance policies pay up to $20,000 for an individual who is injured or killed in an accident, up to $40,000 per accident if multiple people are injured or killed and up to $10,000 in property damages occurring outside of the state. To obtain recreational vehicle insurance quotes and rates, drivers can compare prices online here.

What is RV insurance in Michigan and what is included?

Basic recreational vehicle coverage in Michigan includes PIP, PPI and BI/PD. However, no-fault recreational vehicle insurance does not cover any necessary automobile repairs after an accident, replacement costs if the motorhome is stolen, or Mini-Tort protection. If motorists need full RV coverage, then they may purchase additional insurance, including the following:

  • Uninsured motorists insurance
  • Residual liability insurance with increased limits
  • Limited property damage liability (Mini-Tort)
  • Collision and/or comprehensive coverage

Additional Michigan RV insurance policies are available to motorhome owners who wish to obtain total loss replacement, vacation liability, special windshield deductibles, medical payments coverage, personal effects replacements and emergency expenses. To find affordable RV insurance coverage, motorhome owners can compare quotes here.

How much does a Michigan RV insurance policy cost?

The cost of recreational vehicle coverage in MI varies depending on several factors, including the customer’s age, driving record and experience level, insurance history, income and location. Additionally, RV insurance rates vary depending on the specific motorhome type and whether it is a Class A, B or C vehicle. In most cases, recreational vehicle insurance quotes and rates are higher for Class A motorhomes than Class B or C RVs. However, general recreational vehicle rates in Michigan are higher than premiums in any other state, as motorists need to purchase personal injury protection (PIP) in addition to BI/PD and PPI. The average cost of recreational vehicle insurance in MI is approximately $4,500 per year (or about $375 per month). Before purchasing an RV insurance policy, however, motorists can save money by comparing quotes online.

How can I get RV insurance quotes and rates in Michigan?

There are several ways to obtain recreational vehicle coverage in Michigan, including online, through an exclusive agent or an independent provider. To get an accurate RV insurance quote, however, customers need to provide the company or agent with their full name, mailing address and date of birth. When getting RV insurance quotes, customers also need to provide the company with the vehicle’s year, make, model, usage type and estimated annual mileage amount. To get the best recreational vehicle insurance quotes and rates, it is important to shop around and gather estimates from several different companies. To get started, motorists can compare quotes online here.

How to Compare Michigan RV Insurance Quotes

When comparing recreational vehicle quotes in MI, it is important to provide each company with the same information, regardless of whether the RV insurance provider does business online or in person. When shopping for recreational vehicle coverage, it is also important to inquire about any available discounts. For instance, a recreational vehicle insurance company may provide motorists with a discount if customers coordinate their health or disability benefits with their no-fault policy. Other available RV insurance policy discounts may be available in the following situations:

  • The motorhome contains air bags and/or anti-lock brakes.
  • The vehicle contains an anti-theft device.
  • Customers insure more than one vehicle at a time.
  • Customers carry more than one policy through a single company.
  • Residents receive a credit-based RV insurance score or a good student discount.
  • The company offers discounts to drivers who are free of prior insurance claims or tickets.

These Michigan motorhome insurance discounts vary by company. Many recreational vehicle insurance providers may offer a five percent discount if a motorhome contains anti-theft devices, while other companies may offer a reduction of up to 15 percent. To obtain specific RV insurance quotes and discount amounts, customers must contact the company directly. To get started, motorhome owners can find RV insurance quotes here.

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