1. Where will you store your RV?
If you store your RV in the gulf coast states during hurricane season, there is a good chance for wind and flood damage. Now compare this 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 annually.
2. How will you used your RV?
Be honest with your RV 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 recreation 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.
3. 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.
4. Do I get a discount if I have multiple policies with a company?
Mention your current insurance companies when talking with your insurance agent, as you may be eligible for a multiple-policy discount.
5. 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.
6. Age
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.
7. Insurance claims history
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.
8. Owning a home helps
If you’re a home owner 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.
9. Marital status
Insurance companies believe your marital status affects how safely you drive, and the likelihood that you'll make a claim. Married couples do enjoy lower insurance rates. Either way, your status does affect your insurance rates. So, if you’re not married get married, (just kidding).
10. 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.
Questions like the ones below are covered in our RV Comparison Guides:
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Which manufacturers are rated best? |
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What are the top selling brands in each category? |
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Should I buy a new or used RV? |
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How do I determine the overall quality of construction? |
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What is the depreciation factor when buying new? |
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How do I know if I am getting a good deal? |
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Should I trade in my old RV or sell it? |
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How do I select the right RV dealer for me? |
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. 
