Insurance for recreational vehicles that are constantly in use can be a little expensive when you compare it to a basic auto policy, but RVs are an investment, and the right coverage is going to be priced in proportion to the value of that investment. At the same time, most RVs don’t see the same mileage as a vehicle, so if you’re not on the road more than a couple of times a year, your level of use and exposure to risk are going to greatly influence that cost. There simply isn’t the same risk to an RV in a seasonal location or in storage that you see when you travel consistently, so you need an insurer who has the experience to understand your individual needs when it comes to RV insurance policies if you’re going to get your best quote.
Safety Features, Bundles & Other Savings
Like your car, your RV can get less expensive to insure if it has the right safety features. You can also save money by working with an insurer who can bundle the coverage with your auto and home policies, creating an umbrella of coverage for all your personal assets. This can streamline your coverage costs even more, in addition to the savings that come from a quote based on your individual RV usage patterns. Remember, customized insurance is only as good as your insurance agent’s information, so if you’re paying for coverage that assumes the RV is in storage for most of the year and that changes then you need to change your insurance too.