It is necessary to shop around and get as many RV insurance quotes as you can before signing a policy because of the variations in coverage and costs. The increasing public use of the Internet has led to many RV insurance companies going online in an effort to reach a broader customer base. When looking at RV insurance quotes, you need to remember that although all insurance companies promise great coverage and exceptional customer service, few will follow through on their promises. Before making any commitments, you may want to consider looking at insurance company ratings from an independent evaluator such as A.M. Best.
Minimum insurance
When examining RV insurance quotes, you should be aware that the minimum insurance for most RVs is $100.00 bodily injury per person, $50,000 property damage and $300,000 bodily injury per accident. The minimum does not cover everything, though, and you may want to look into adding theft, flood, fire, or wind damage insurance to the policy. Vacation liability and vandalism insurance will also probably be available. Each state has its own requirements and minimums, so you should be aware of what your state’s requirements are and check that the RV insurance quotes fulfill the minimums.
Standard auto insurance
While you may want to get RV insurance quotes from a general auto insurance company to compare prices and policies, industry experts by and large recommend using a specialty RV insurance company. These specialty companies are experienced in estimating damages, the worth of RVs, possible scenarios that can occur and the various laws concerning RVs. A standard auto policy will usually not cover items you have in your RV such as computer equipment, clothing or sporting and camping gear. When you park your RV at a campsite, you may be liable for the area around it or any injuries on the area. A standard auto insurance policy may not cover these special circumstances, so it’s wisest to ask about specifics before signing a policy if you do use a general auto insurance company.
Discounts
When consulting an agent or insurance company that specializes in RV insurance quotes, you should ask about available discounts for RVs that have an anti-theft system or anti-lock brakes. Discounts may also apply if the primary RV driver has taken a defensive driving course. If your RV is going to sit in storage or in a garage for half of the year, ask about seasonal coverage, which will be cheaper.
Local and national RV insurance companies
You should look at RV insurance quotes from both local and national companies. There are advantages and disadvantages to both. Some people may have a higher comfort level when dealing with a local insurance company, and a local company will have a better knowledge of the regulations regarding RVs in that state. However, because national insurance companies are larger, they can afford to offer better rates. The trade-off is that the customer service may not be as good. Almost all RV insurance companies offer roadside assistance and a 24-hour customer service line.
By Virginia Zignego