3 Biggest Mistakes to Avoid When Purchasing RV Insurance
Nothing could be worse than as you’re enjoying your long awaited RV trip, enjoying the wind in your hair, wide open roads, the freedom of the outdoors…. and then WHAM! An unexpected, unplanned, and seemingly random incident, accident, or mishap occurs and you find out that your coverage doesn’t cover it! As your frustration grows, you realize that you’ve made one of the biggest mistakes when choosing RV insurance.
In order to help you avoid these common mistakes, we’ve put together this list of the 3 Biggest Mistakes to Avoid When Purchasing RV Insurance.
Mistake # 1: Selecting Inadequate or Insufficient Coverage
Selecting insufficient coverage can result in a big financial loss along with unnecessary stress, anxiety, and frustration. RV insurance covers many of the same risks as an auto insurance policy does, however, the main difference is the range of vehicles types, varying classes, and how you use your recreational vehicle. In addition to selecting the appropriate comprehensive, collision, & liability coverage for your specific type & class of vehicle, you’ll also want to consider protecting the contents, equipment, and attached accessories of your RV.
The various types of vehicles & classes…Class B campers, Class C toy haulers, Class A bus conversions, etc. can make selecting the correct policy a little overwhelming and confusing. To find the right RV coverage for your motor-home or camper, get a Free RV Insurance Quote. We’ll compare several different RV insurance quotes and find the right coverage for your needs.
Mistake # 2: Selecting the Lowest Priced Policy
One sure fire way to save on your RV insurance is to shop insurance quotes BEFORE purchasing your RV. The make, model, and safety features of your RV will have an effect on how much it costs to repair, maintain, and insure. When you’re shopping for a motor home, trailer, or camper, contact us to compare the cost of insuring different RV models. If there’s a significant difference, it may have an influence on which RV you choose to purchase.
On the other hand, if you’re now an RV owner looking for affordable RV insurance, despite the fact that you are trying to save money, you should dodge purchasing the policy with the lowest price available. With that being said, selecting a coverage that mirrors your situation financially, but still provides sufficient coverage for your needs is very important. You’ll also want to avoid following the state-required minimums blindly as your situation, vehicle type, class, and recreational use may require different coverage. You should weigh the features and services on top of each price.
RV insurance policies can also include discounts that can save you big bucks and help you keep more of your vacation money in your pocket! There are many things that can decrease your premium. Below are some examples of the discounts you could be eligible for:
- Merged coverage for insuring your RV and other vehicles on the same policy.
- Get a storage unit & suspend the coverages you don’t need when RV is not in use
- Installation of safety and security tools on your vehicle
- Multiple policy discount when you insure your home, condo, motorcycle or boat
- Take & pass an accident prevention course
- Enjoying a clean and safe driving record