New Jersey is a beautiful state with many popular travel destinations. Some like to travel to Lakewood, which was the 19th century summer residence of the country’s elite such as the Rockefellers, the Astors and the Vanderbilts. Others like to travel to Lambertville, which is famous for its artists and craftsmen and boasts the best fries in the state at The Wind Mill. If you are like many residents who travel to these destinations in your recreational vehicle, you will need to carry New Jersey RV insurance.
There are many types and sizes of RV models, so you need to shop around for the policy that’s right for you. Contact an independent agent in the Trusted Choice® network to help you with your search. These agents can show you comparable New Jersey motorhome insurance quotes so you can find the right coverage for your RV and get peace of mind while you're on the road.
NJ Fatal Accident Statistics, 2010
- The total number of fatal accidents in 2010 was 530
- On average, 1.52 people were killed every day on New Jersey roads
- 30.62% of these fatal accidents involved the consumption of alcohol
Are All RVs Classified the Same?
Recreational vehicles come in different sizes and types, and have several classifications. The various motorhome types are also handled by insurers differently which means premiums can vary considerably. The majority of RVs generally fall into one of the following classification types which include:
- Class A motorhome: The largest manufactured model of RV.
- Class B motorhome: The smallest manufactured model of RV.
- Class C motorhome: The mid-sized manufactured model of RV.
- RV bus conversion: Where a bus or large-sized van is converted into an RV, with living quarters.
- RV travel trailer: Includes any make of motorhome that is attached to a trailer with a hitch and is towed.
- Fifth wheel RVs: Any model that incorporates a fifth wheel hitch to tow an RV.
- Camper vans: A camper RV which rests on the back of a pick-up truck.
What Does New Jersey RV Insurance Cover?
The majority of RV policies generally come as a package. However, you can also buy additional coverage, called an "insurance rider," which acts as an addition to your insurance policy. Some of the coverage options that may be included in your policy and/or purchased separately include the following:
- Liability coverage: Covers injury or property damage you cause to another party, and related legal claims.
- Collision coverage: Pays for repair or replacement of your RV after an accident, regardless of who was at fault.
- Comprehensive coverage: Covers perils named in the policy, such as fire or theft.
- Accessories coverage: Covers your awning and other accessories against loss or damage.
- Branch collision coverage: Provides coverage if you collide with a low-hanging branch.
- Roadside assistance coverage: Covers you for mechanical breakdown and towing.
- Medical payments coverage: Covers you and/or your passengers for medical expenses related to an RV accident.
- Insured/underinsured coverage: Protects you if you are involved in an accident with someone who has no insurance or not enough insurance coverage.
- Full-timer’s coverage: If you live in your RV for lengthy periods or use your RV frequently, this policy provides extra protection similar to a homeowner’s policy.
What Does New Jersey RV Insurance Cost?
The cost of a New Jersey RV insurance policy can vary widely due to the many types of RVs and their value. However, you can generally expect to pay between $500 and $1,000 annually, or more if you are a full-timer and carry valuables on board that you want to insure.
Some of the most common factors used by insurers to determine the cost of a policy include:
- The age of the driver.
- Your NJ Department of Motor Vehicle driving record.
- The RV's classification.
- The make, model and year of your RV.
- The condition of your RV.
- Whether you buy recreational/vacation coverage or full-timer’s coverage.
- The type and amount of insurance coverage.
- The deductibles you choose.
New Jersey RV Insurance Discounts
Some insurers offer discounts which will reduce the amount of premium you will pay. Some of the discount options that may be available to you include:
- A safe driver discount
- Discount for bundling an RV policy with other policies, such as your home and auto
- Discounts for military personnel or for membership in certain professional organizations
- Sign-up discounts
- Discount for paying annually as opposed to monthly
There may be additional discounts available to you as well, such as a senior discount. Be sure to talk with your agent about how to qualify for lower rates.
How to Buy New Jersey RV Insurance
Since there are many different policies and insurers, one of the most effective ways to find a New Jersey RV insurance policy that matches your specific needs is to contact an independent agent in the Trusted Choice Network. These agents have access to policies from multiple insurance companies and can help you compare several different New Jersey motorhome insurance quotes.
Your New Jersey RV insurance should match your unique rig, as well as your particular concerns. Contact an agent right now for personalized assistance.