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Motorcycle Insurance Question

I’m running through some online quotes to get a rough idea of what I can expect to pay for motorcycle insurance, and I get a quoted amount of $261 for a 12 month policy. At the bottom of the page though there is a line that says “MCCA [Michigan Catastrophic Claims Association, I think] fee: $186”.

Is this fee included in the $261, or will I actually be paying almost double the amount they quoted?

I’ve never paid for insurance before so I really have no idea what this type of thing even costs.

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