It’s Not Always Easy, But RV Insurance Deals Are Out There
Have you ever looked at the total amount of money you spend on insurance for your RV and thought, “There must be a cheaper way to get insurance”? The truth is, there are a few ways you can save money on RV Insurance while still having all the insurance coverages you need. Whether you are a full time RVer looking for the best insurance for you or a weekend warrior looking for a good deal, these seven tips can help you get the cheapest RV insurance without giving up coverage.
1. Always Shop Around For RV Insurance
First, find out what coverages you need for your RV. Your insurance coverages will depend on the type of RV you are insuring, and the way you use your RV. Don’t skimp on insurance coverages, but make sure you know your options and what discounts they offer too.
RVer Insurance Exchange is an excellent place to start your search. They are a group of licensed insurance professionals that specialize in assisting RVers (full-time and part-time) with researching, choosing, and enrolling in the right insurance plan. They can help with health and other types of insurance as well.
2. Bundle Your Insurance
Some insurance companies will give you a discount when you bundle your RV insurance with your home, vehicle, boat, and/or health insurance. This is certainly something to consider if you want to save money by getting the cheapest RV insurance.
3. Take An RV Safety Course
You can often save money on your RV insurance when completing an in-person or online RV Driving Safety Course or workshop. Courses from the RV Academy can teach you absolutely everything about your RV and aim to educate newbies and seasoned RVers.
4. Join A Club
5. Pay Annually If You Can
It is almost always cheaper to pay annually for insurance as opposed to monthly. How much depends on your insurance. When you’re getting a quote, always ask for the annual and the monthly cost. If the difference is big enough, it can save you to pay once a year. Avoid financing your insurance payment via credit cards as the interest may end up costing you more than just paying monthly.
6. Be A Good Driver
If you maintain an accident-free driving record, you’ll often get a significant discount on your insurance premium. Discounts are often rated by the number of years you are accident-free. Each insurance company has different good driver discounts so be sure to ask about it when you are getting your quote.
7. Ask About Discounts
Some companies that offer RV insurance have all kinds of little discounts. Progressive, for example, offers discounts for being the original owner of your RV, paid-in-full RVs, a prompt payment discount, and a paperless discount.
Finding the cheapest RV insurance can be a little tricky, but with a little research and taking advantage of the many discounts companies offer, you’ll be insured and on the road at a great price. The important thing to keep in mind is to make sure you are getting the right amount of coverage for your RVing situation.
Lynne Fedorick is a freelance writer with 35 years of RVing experience. She specializes in topics such as fulltime RV life, great destinations for RVers, RV organization, RV News, RV tech, and dog behavior/training.