Connecticut and surrounding New England states offer several breathtaking views, as well as many historical attractions, and many people enjoy viewing them from the windows of a recreational vehicle. When it comes to RV insurance, residents of Connecticut have nearly as many coverage options as they do RV parks. Whether you prefer taking your RV north to the mountains or south to the ocean, it is a good idea to compare motorhome insurance quotes and policies before taking to Connecticut’s roadways.
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Registering Your RV in the State of Connecticut
- You must register your RVs as combination vehicles in this state.
- Registration fees are determined based on the vehicle’s maximum gross weight as follows:
- Fewer than 3,001 lbs: $94.00
- From 3,001 to 4,000 lbs: $106.80
- From 4,001 to 5,000 lbs: $130.00
- From 5,001 to 6,000 lbs: $153.20
- From 6,001 to 7,000 lbs: $176.40
- From 7,001 to 8,000 lbs: $199.60
- From 8,001 to 9,000 lbs: $222.80
- From 9,001 to 10,000 lbs: $246.00
- From 10,001 to 11,000 lbs: $269.20
- From 11,001 to 12,000 lbs: $292.40
- From 12,001 to 12,500 lbs: $315.60
- You must renew your RV registration every two years.
There Are Many Different Types of RVs on CT's Roads
The use of RVs is increasingly popular in this state. For 23 years, the Connecticut Convention Center has been hosting the annual Northeast RV and Camping Show at which local retailers and campground representatives show off their latest vehicles and amenities.
Connecticut residents own many different types of recreational vehicles, and RV insurance is suitable for any one of them. The type of vehicle you own will have a significant influence on your insurance costs. RVs are typically broken down into three different types:
- Class-A: This category includes high-end motorhomes. These RVs resemble buses and include bathroom facilities, kitchens and bedrooms, as well as home-like amenities such as climate control. These are the largest of the RVs available to the public.
- Class-B: These vehicles are the smallest of the RV types. They include pop-out or pop-up campers. Although the living quarters are small and cramped, these vehicles are more affordable and have easier maneuverability on the road than do the other classes.
- Class-C: These RVs are very similar to class-A vehicles, but are usually slightly smaller. In appearance, they resemble a camper in that they have a separate truck cab with a bunk overhead.
Towable trailers such as travel trailers, camper trailers and fifth-wheel trailers are often included under the RV umbrella. However, because these pop-out type campers do not have a motor of their own, you need to cover them with trailer insurance rather than RV insurance.
RV Insurance Provides Great Coverage for Your Motorhome
A new RV will typically cost between $30,000 and $500,000, although there are specialty luxury models available that cost millions. Because ownership of these homes on wheels requires a very large investment, it is important that you protect them with suitable comprehensive insurance policies.
RVs are unique in that they need auto insurance coverage for the times that you drive them on the roadways, and they need homeowners insurance coverage for the times that you use them as homes. An RV policy provides both types of coverage.
Policies may differ a bit from one insurance company to another, but all will include liability coverage and contents coverage as part of their standard insurance package. There are many other coverage options that may interest Connecticut RV owners. Some insurance companies will include some or all of these options as part of their standard RV package, while others will require you to choose the options that you want and add them to your policy individually. Some of the more commonly found options include the following:
- Collision coverage
- Medical payments coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Campsite liability coverage
- Full-timer liability coverage
- Pet coverage
- Roadside assistance
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Be Sure To Purchase Sufficient Liability Coverage
Connecticut’s minimum liability requirements are far too low to adequately protect your finances if you are responsible for a collision while driving a recreational vehicle. These vehicles are extremely large and heavy and are therefore likely to cause a great deal of property damage, as well as severe injuries to third parties. If your liability coverage limit is too low, you will be responsible for covering the cost overages, and this can prove quite damaging to your finances.
For this reason, you are unlikely to find an RV insurance policy that will provide liability coverage as low as the state minimum requirements, so you should purchase as much liability insurance as you can comfortably afford. If you own a lot and have a lot to lose, it may be a good idea to further protect yourself by supplementing your policy with umbrella insurance.
How High Are RV Insurance Quotes in Connecticut?
Depending mainly on the type of recreational vehicle you own, you can expect quotes for a comprehensive RV policy to cost anywhere from $700 to $4,000 a year. If you use your RV for commercial purposes, rates will be even higher because you will face an increased risk of property damage and personal injury liability claims.
Several aspects may affect how much your particular policy will cost you in Connecticut. Insurers will take into consideration the following factors when calculating your rate quotes:
- The make, model, year, size and value of the RV you are insuring
- The number of miles you expect to drive your RV each year, as well as the number of days per year you plan to live in it
- Where and how you will be storing your RV when not in use
- The value of the personal property inside the RV and the amount of contents coverage you purchase
- The coverage options you include with your policy
- How much liability insurance coverage you wish to purchase
- The amount of your deductible
- Your personal driving record
Because premiums are rather high for this type of insurance, it is especially important that you obtain quotes from at least three providers before selecting a policy. It is very likely that you will receive a wide assortment of quotes and policy inclusions.
Motorhome Insurance Quotes Are Easy to Obtain
When you are looking for an RV insurance policy that meets both your coverage and budgetary needs, you may find yourself with several policy-related questions. An independent insurance agent in the Trusted Choice® network can provide you with answers and can save you time and money by simplifying the comparison-shopping process for you.
Talk with a friendly independent agent with an office near you in Connecticut for more information so you can start reviewing motorhome insurance quotes.