Whether you are a full-time RVer or you only use your motorhome for short trips, you are probably wondering how you can get affordable coverage that protects your investment. The key is to know how to find RV insurance discounts and make choices that can reduce your typical rates.
From deals and bundles to safe-driving discounts, there are a number of ways to save on your RV insurance.
Let’s talk about the RV insurance discounts you can ask for when working with an insurance agent.
- Store your RV in a contained carport or garage
- Install an anti-theft device
- Be a safe driver and maintain an accident-free driving record
Take Safe Driving Courses
Many community colleges and local DMV stations offer courses on driver safety. These classes are a great way to update your knowledge as a motorist.
They can also be a way to save money; several insurance providers offer lower costs on motorhome insurance for completing a driver safety course.
Bundle Your Policies
If you own a car, a home, a boat and an RV, you likely have multiple insurance policies. You can save on your RV insurance policy by bundling it together under the same with your other plans.
An independent agent can help you find an insurance company that can provide coverage for your home and all of your outdoor toys, which will not only result in RV insurance discounts, but will your insurance payments easier to manage.
Get Low Cost Coverage by Paying in Full
A great way to get RV insurance discounts is to pay your annual RV premium at once instead of monthly. Because of the overhead costs involved in processing monthly payments, insurance companies offer incentives to pay annually. Your insurance will also be easier to track and manage with one yearly payment.
Ask About Sign-on Incentives
If you are purchasing a new policy or moving an existing RV insurance policy to a new carrier, you may be eligible for a sign-on discount.
Inquire About Partnership Organizations
If you are involved in a trade association, club or hobbyist group, you may be eligible for a membership discount on your RV insurance. For example, some agencies will provide a discount if you are a member of an RV club.
Check into Military and Professional Discounts
RV insurance discounts may be available for:
- National Guard members, those on active duty and retired military personnel
- Government and federal employees
- Teachers, professors and other educators
- Healthcare professionals
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