Insurance Quotes - Sources, Specialists, Policies, and How to Get the
Buying insurance for an RV is much like buying insurance for your automobile. It's a process of several steps, the first of which is to get an RV insurance quote. Actually, it's a good idea to get several quotes from a number of sources so you can compare them. Then when you make your choice, you'll know you're getting the best coverage for your particular situation at the best price.
RV Insurance Quote Sources
There are dozens of sources where you can get an RV insurance quote. All-purpose insurance companies issue policies for many products, including autos, trucks, and motorcycles, as well as RVs. RV insurance specialists provide coverage just for RVs, so they know all the details a general company may miss. Insurance agents represent one or more companies and can give you a quote or quotes for policies from those companies only. Some agencies are also specialists who represent only RV insurance providers. Ask for an RV insurance quote from all of these types of sources to be sure of which one is best for you.
How to Get a Quote
You can get an RV insurance quote from any of the above sources in one of three ways: in person, over the phone, or on the Internet. You'll be asked to provide some basic information about yourself-name, address, driving record-and about your RV, such as make, model, age, and purchase price. There may also be questions covering your anticipated use of the RV to determine mileage and the amount of time you'll be using it. Be sure to give the same answers for each quote, or as closely as possible, so that you'll be comparing the same coverage.
The Right Coverage
Not all RV insurance is equal, and it's very different from auto insurance. Make sure that your quote includes all the coverage you need. If you're not sure of what you need, it's worth the time it takes to get answers. Remember that an RV also functions as a home, even if temporarily, and that you need to protect it as such, as well as your family.