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 select the right RV insurance company. Listed below are some things to consider and questions to ask when shopping for RV insurance.
Where will you store your RV? If you store your RV in the gulf coast states during hurricane season, there is a possibility that your RV may incur some wind or flood damage. If you plan to store your RV in a secured facility you may qualify for a discounted rate. 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.
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 RVer, and your policy 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.
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 motorhome parks, your membership could earn you a discount on your insurance rates.
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.
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.
What is your insurance claim history like? 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.
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.
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