10 Tips to Scoring Better RV Insurance

There are a number of important factors that will determine what you pay for RV insurance. Most RV buyers are in the dark when it comes to making decisions about how to choose the right RV insurance company.

Top FAQs on how to get the right RV insurance

Where will you store your RV?

If you store your RV in the Gulf Coast states during hurricane season, there is a good chance you’ll need wind and flood damage. Now compare that to storing your RV in Oregon or Wyoming. Where you store your RV will affect your overall insurance rate. This is an important question to ask your RV insurance agent, one which could save you hundreds of dollars each year.

How will you use your RV?

Be honest with your insurance agent when you’re signing up for your policy. Don’t lie to save some money which could cost you thousands if your claims adjuster learns you’re a full-timer when on your policy it says recreational use only. If you plan to live in your RV full-time, you need an insurance policy that works like a home-owners policy that follows you everywhere you go. If you’re a weekend warrior, you can get different coverage that won’t cost you as much.

Do you belong to an RV association or club?

Be sure to mention any memberships or clubs you belong to when talking with your RV insurance agent. In addition to a number of perks such as reduced rates at RV parks, your membership could earn you a discount on your insurance rates.

Do you get a discount if you have multiple policies?

Mention your current insurance companies when talking with your insurance agent, as you may be eligible for a multiple-policy discount.

A man outside his RV checking his RV insurance coverage on his phone. Photo: Shutterstock.

Do you have any previous RV ownership?

Do you have any previous RV driving experience? Your insurance agent will likely ask you about your past RV driving history. If you don’t have any be sure to let your agent know how long you have been driving as you may be eligible for discounts.

How old are you?

Check with your agent to see if there are any discounts you’ve earned through the sheer virtue of the duration of your life’s experience. There are some perks that come with growing older. One of them is lower insurance rates.

What is your history of insurance claims?

Your insurance history is likely to be a strong factor in your final insurance rate. Be sure to minimize the number of claims you’re making. Insurance companies pay an independent agency that tracks an individual’s claims and protects them much the way credit ratings protect credit companies. If your history shows problems in this area you will pay more for your policy.

Do you own a home?

If you’re a homeowner it will probably lower your RV insurance costs. Most policies provide some type of discount for home owners. If you’re curious about your savings on this, just ask your agent while you’re on the phone.

Are you married?

Insurance companies believe your marital status affects how safely you drive, and the likelihood that you’ll make a claim.

What is your credit score?

If your credit score is above 650 you’re likely to see a small decrease in your insurance rates. If you’re curious about the size of the decrease, be sure to check with your insurance agent. RV insurance companies believe that the manner in which you treat your credit could be a strong indicator of how you’re going to treat your RV.

Shop for insurance online

You can start with policy shopping from an online provider like RVerInsurance.com. RVer Insurance Exchange offers free quotes for RV insurance, health insurance, and even extended warranties.