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Recreational Vehicle Insurance in Virginia

Recreational vehicle coverage in Virginia is available if you wish to insure your RV. An RV insurance policy can help pay for damage in the event that you are in an accident or your RV sustains damage from other incidents. In Virginia, you either have to get recreational vehicle insurance or pay a fee to the Department of Motor Vehicles (DMV) when registering your vehicle. RV insurance is available from a number of providers in Virginia. There are a number of factors to consider when buying insurance. Recreational vehicle insurance quotes and rates can vary based on the terms you choose for your insurance policy, as well as the company you choose. Getting RV insurance quotes here is a great way to compare rates and find the best policy for your needs in Virginia. Learn more about RV insurance policy options and how to get quotes and rates for recreational vehicle insurance in Virginia below.

What is RV insurance in Virginia used for?

RV insurance in Virginia is important for a number of reasons. Most of all, recreational vehicle coverage will protect you in the event that you cause an accident. Without insurance, you will be responsible for paying for the damage you cause to other people’s property with your RV. Recreational vehicle insurance coverage is helpful when you purchase a policy that pays to repair damage to your vehicle as well. Note that not all RV insurance policies cover your vehicle, unless you purchase extra coverage. Since RVs are expensive to repair on your own, having a comprehensive insurance policy is often beneficial. Get RV insurance quotes in Virginia here to find plans that offer the types of protection you need.

Virginia Recreational Vehicle Insurance Requirements

If you have a recreational vehicle insurance policy in Virginia, then you may need to show proof of your policy when you register your vehicle with the DMV. Note that RV insurance is not required for every type of vehicle, such as trailer-style RVs that you do not drive. However, you can choose to insure any type of RV. If you do not have proof of recreational vehicle insurance when registering your vessel with the DMV, then you will need to pay an uninsured motorist fee. The fee allows you to operate your RV at your own risk without getting an insurance policy. You do not receive any type of recreational vehicle coverage in Virginia when you pay the uninsured motorist fee. Paying the fee is essentially a way of informing the DMV that you accept responsibility for any damages you may cause with your uninsured vehicle.

When you do purchase recreational vehicle insurance coverage in Virginia, your policy must meet a few basic requirements. RV insurance coverage must provide the following limits of liability coverage:

  • $25,000 for the death or injury of one person
  • $50,000 for the death or injury of more than one person
  • $20,000 for damage you cause to the property of others

In addition to liability coverage, an RV insurance policy in Virginia also needs to provide uninsured motorist coverage. RV insurance coverage for uninsured motorists will protect you if you are involved in an accident with a driver who does not have insurance coverage. Find RV insurance quotes and rates in Virginia here to help you pick the best plan for your RV.

Virginia RV Insurance Costs

Virginia recreational vehicle insurance rates depend on factors about your vehicle, driving history and credit score, among other elements. Recreational vehicle insurance can often be added to an existing car insurance policy or bundled with other types of insurance that you currently have. In some cases, recreational vehicle coverage in Virginia can be expensive. However, the cost to repair your vehicle or other drivers’ vehicles is usually far more expensive than buying an insurance policy for your vehicle. When shopping for rates, be sure to look at RV insurance quotes here to get a better idea of what your expenses will be.

The cost of an RV insurance policy in Virginia can also be reduced when you are eligible for certain types of discounts. For example, RV insurance rates may be lower if you drive fewer than 7,500 miles each year. Additionally, recreational vehicle insurance in Virginia is cheaper when you have not been involved in any auto accidents and when you have not made many insurance claims in the past. If you do have a past driving incident that is affecting your insurance rates, then ask your insurance agent if you can take a driver improvement course to get a discount. In many cases, getting an RV insurance discount in Virginia only requires asking your agent.