For a lot of people, getting the best RV insurance is about the lowest price. A low price certainly isn’t a bad thing to shoot for, but you need to think about more than just the price of the policy. You need to make sure you have the right RV insurance policy.
There are many companies and potential policies out there. Don’t jump at the first one you come across or just blindly go with the insurance company you’ve always worked with. Getting the best RV insurance possible means doing a little work. Here are some quick tips that should help make finding the best RV insurance easier.
1. Join an RV Club or Association
There are various camping and RV clubs that will help you get good deals on a variety of products, services, and camping needs. Most of these clubs offer some kind of RV insurance or access to a special club rate through a partnership with an insurance company.
While there are plenty of clubs out there and you should certainly do some research on a few of them, consider checking out the Good Sam Club. Good Sam offers tons of discounts on everything from camping gear and accessories to campgrounds and fuel. Good Sam also provides insurance, extended warranties, and trip-planning resources among other services.
2. Get Quotes from Multiple Insurance Companies
Getting quotes from multiple companies is extremely important. You’ll be sure to get the best price, and you can see the differences between individual policies. Getting quotes online is extremely easy. You can put in your info and have a quote in a few minutes, so why not take the time to check out multiple options. If you’d rather get quotes over the phone, that’s also very easy.
Bundling your house, car, and other assets with one insurance company can often yield great results, but don’t assume your current insurance provider will give you the best deal. Also, even if you belong to an RV club, you should still shop around outside of what the club offers. Check out prices and policies with both large and small insurance companies to ensure you’re getting the best RV insurance.
3. Don’t Assume Similarly Priced Policies are the Same
A common mistake many people make is that they see similarly priced insurance policy options and assume they’re more or less the same. That isn’t always the case. While insurance companies will often offer coverage and prices that are commensurate with their competitors, you shouldn’t make any assumptions.
You need to find out what exactly is covered in each policy you consider and what that coverage costs. You can only do an honest comparison once you know and understand all the information. It would be unfortunate to assume something is covered only to find out it isn’t while you’re on vacation. Reading the RV insurance literature or discussing the policy with an agent should tell you all you need to know.
The bottom line is you’ll need to do a little homework to ensure you get the best RV insurance. It’s not necessarily fun, but you’ll be better off in the long run and more apt to take trips more often in the future if you have the right insurance.
Have any other tips for people looking for RV insurance? Leave a comment below.