Once you have several quotes to compare, you can compare your different coverage options and their price points to determine the best fit for your RV lifestyle.

Things to know about Free RV insurance quotes

RV insurance is like auto and homeowners insurance wrapped up together.  You drive the RV, so you need the liability coverage of an auto insurance policy, but you also live in an RV and keep your belongings there, so you need the coverage of a homeowner’s policy.  Often you can get RV insurance from your home and auto insurance company, but don’t automatically assume that will be the best policy for you.  Shop around, just like you did before you bought that big rig!

Be sure to get at least one quote from a company or agent who specializes in RV Insurance.  He or she will have a wider variety of coverage options designed to fit the variety of RV owners.  He or she will also be able to better anticipate your needs as an RV owner based on your travel habits.  Even if you don’t choose to buy the specialist’s policy, you will have learned something just by talking about the policy and your insurance needs.

Things to look for in your RV insurance quote:

• Total loss replacement
• Towing and/or roadside labor coverage
• Personal belongings coverage
• Current value loss replacement
• Full Timer insurance—if you live part of the year in your RV
• Increased liability due to your personal situation

Ways to get a cheaper RV insurance quote:

Have a great driving record with RV experience

• If there are two of you driving the RV, list the person with the best driving record as the primary driver

Park the RV in a cheaper place

• Some states are actually considered safer for private property (fewer floods or hurricane type disasters) and that’s reflected in lower insurance premiums

Drive less

• If premium price is an issue, play with your online quotes to see how many miles you can travel in a year before you significantly increase or decrease the cost of your insurance.

Things to look for in an RV Insurance Company:

Good credit rating

• Check AM Best or Standard and Poor’s ratings

Excellent customer service and claims response

• Check your state’s department of insurance website for this information

Others’ experiences

• Ask your fellow RV owners about their insurance experiences—what coverage they wouldn’t go without, how much they pay, and which company they like