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Is cheap RV auto insurance hard to find?

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Things to Remember...
  • There are costs involved with driving, maintaining, and insuring a recreational vehicle. With that in mind, you want to keep your expenses low by getting the best deal available on RV auto insurance
  • If you plan on  living in your RV, you’ll want the type of insurance carrier that is prepared to take care of day-to-day expenses in the event that your recreational vehicle gets damaged or destroyed
  • Get the policy that best fits your needs and rest assured that your time on the road will be safe and care-free


You finally bought that RV. Now it’s time to insure it and get it on the road. If only it was that simple. There are costs involved with driving, maintaining, and insuring a recreational vehicle.

With that in mind, you want to keep your expenses low by getting the best deal available on RV auto insurance.

The problem is that you don’t know where to start. Using the World Wide Web as a guide, you, too, can make an informed decision about the type of policy that best fits your needs as an RV owner.

Is cheap RV auto insurance hard to find? More importantly, does it even exist? These are the questions you’ll ask yourself when looking for a carrier to insure your recreational vehicle.

A great starting point for you to consider when shopping around for RV auto insurance companies is the Internet.

You’ll get the most comprehensive quotes available and you’ll be able to comparison shop for the best rates. Just enter your ZIP and find the best auto insurance INSTANTLY!

Auto Insurance May or May Not Cover Your Recreational Vehicle

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There are a number of things to consider when shopping around for RV auto insurance. For example, you may think that your fifth wheel is covered by your vehicle insurance when that is not entirely true.

Your travel trailer is often only protected while it’s being towed by your car or truck. A separate RV auto insurance policy is needed to protect it when it’s sitting alone in a parking lot or campsite.

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Things to Consider When Comparing Prices for RV Auto Insurance

Here are a few other things to keep in mind when selecting an insurance company to cover your recreational vehicle from loss and damage:

  • If you plan on living in your RV, you’ll want the type of insurance carrier that is prepared to take care of day-to-day expenses in the event that your recreational vehicle gets damaged or destroyed. If you’re a long way from home, you’ll benefit from this added peace of mind.
  • You’ll want a policy that protects your personal property stowed inside your recreational vehicle. In the event that these items get damaged or stolen, you’ll want to be able to replace them and travel quickly and efficiently to your next destination. Being without the things that you worked so hard to purchase can put a damper on your travel plans.
  • Never get on the road in your RV without roadside assistance. If you break down and have to call a tow truck, it can be expensive. Make sure that the policy that you choose covers accidents and mechanical failure. Having a recreational vehicle towed costs about three times as much as a car or truck so be easy on your pocketbook by adding this protection to your current policy.
  • Many people live in their recreational vehicles for long periods of time. If you plan on storing your travel trailer, you will want to add optional collision coverage. This protects your RV when it’s not in use.
  • Disappearing Deductible Coverage is an incentive for good driving. Every year that you don’t have a claim, your insurance company gives you a discount. This is often 25 percent on your deductible. After a few years of safe and attentive driving, you’ll pay no deductible on a claim.

Steps for Selecting the Right Carrier for Your RV Auto Insurance Policy

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Now that you know what types of things to ask about concerning RV insurance, you’re ready to start narrowing down your options.

You want the type of company you can easily reach by phone or email with questions and concerns. This information should be listed clearly on the insurance company’s website.

If it isn’t, you’ll most likely have trouble contacting them in the future. In addition to being accessible, your RV insurance company should:

  • Be willing to give you price quotes for several underwriters
  • Put RVs and Autos on one convenient policy
  • Offer Paid-in-Full discounts
  • Provide you with a deductible that you can work with
  • Give you a price break if you’re a homeowner
  • Review your policy for changes on a routine basis

Making an informed decision about RV auto insurance coverage takes research.

By exploring the different options and discounts available to you, the policy owner, you save yourself time, money, and the hassle of replacing your belongings in the event they are damaged or stolen.

Get the policy that best fits your needs and rest assured that your time on the road will be safe and care-free.

Enter your ZIP and begin to compare RV car insurance for FREE! We have all the auto insurance basics for your needs!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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