Cruising down an open road on a motorcycle or exploring the world in a motor home is exhilarating, but make sure you have the right coverage for the protection of this particular class of vehicles. The team of experts at Michael E Glick Insurance in Boerne, TX, can help you figure out which insurance policy you need, but there are factors to consider when buying recreational vehicle insurance. 

3 Important Facts About Recreational Vehicle Insurance

1. Regular Auto Insurance Isn’t Good Enough

Auto insurance might cover some circumstances, but it isn’t comprehensive enough to cover everything you need with a recreational vehicle. If you drive an RV, for example, auto coverage doesn’t include the appliances, accessories, or plumbing in your vehicle. If you drive a motorcycle, most policies won’t cover it, especially not the custom parts and equipment.

2. Monthly Premiums Depend (Partly) on You

Recreational insurance can be on the pricier side, but you can lower the price simply by being smart and responsible. There are many factors that go into determining how high-risk you and your vehicle are, and each one will determine how much your monthly premium is.

Your age and where you live are two factors you can’t control, but there are some things you can influence. For example, taking training courses and getting certified as a safe, experienced driver can help lower your premium. Some policies will also reward you for having a clean driving record.

3. Off-Season Savings Can Lower the Total Cost

If you only use your RV or motorcycle seasonally, you don’t have to pay for full coverage all year. Speak with your insurance agent about getting what’s called a “lay-up” policy. This type of policy spends all coverage (except for the comprehensive coverage) for the months you aren’t using your vehicle.

Recreational vehicle insurance is an affordable way to provide the unique protection required by your motorcycle, motor home, or other recreational vehicles. Call Michael E Glick Insurance at (830) 816-9488 to speak with an experienced agent about the coverage you need. You can also visit the website to learn more about the full range of policies offered to their customers in Boerne, TX.