Cheap RV or Motorhome Insurance

Whether you are taking advantage of the recent van life trend by purchasing an RV or motorhome, or you just have one for breaks from your regular daily life, RVers know the secrets behind having a mobile home away from home. If you live in your RV or motorhome, you can pack up and travel the country whenever the spirit moves you. If you use it for vacations, you’ll save money on hotels and food. And there’s a great sense of comradery between the friendly souls who frequent RV parks.

Most states require liability insurance for self-powered RVs and motorhomes. Affordable RV and motorhome insurance just makes sense to help you protect yourself and those around you. Acceptance Insurance agents understand the freedom of an RV. Visit with a friendly neighborhood agent to find affordable RV coverage before you hit the road.

Although many people use the terms interchangeably, there is a difference between motorhomes and RVs. Motorhomes are always self-propelled units, while recreational vehicles may be as basic as a towable popup camper. When thinking about insuring your own motorhome or RV, you only need to comply with state regulations if it is self-propelled. RV’s include motorhomes and they are typically classified as Class A (think bathrooms, kitchen, luxury), Class B (looks like a van) and Class C (sleeping quarters hanging over the cab).

As with your car insurance, liability coverage helps pay for injuries and damages you may cause when at fault for an accident or other covered event. All vehicles that move under their own power on state roads must carry some form of liability.

Insurance Coverage Types for Motorhomes

For vehicles traveling under their own power, you’ll need the state-required minimum liability, at the least. Depending on what state you live in, this may include other types of insurance, such as uninsured motorist coverage or some form of medical payments coverage.

Liability Insurance for RV

Liability consists of bodily injury liability and property damage liability. Bodily injury also includes death benefits and helps pay for medical and funeral costs for those injured or killed in a wreck you cause. Property damage helps pay for damages you cause to others property if you are at fault for an accident. Keep in mind that these benefits do not pay for your own injuries or damage in a wreck you cause.

Like car insurance, RV insurance rates are determined based on various factors. The three main factors are age, gender, and driving history. Furthermore, experience with driving an RV also plays a role in determining the cost. If you have no prior experience with driving an RV, you may end up paying more than an experienced RVer. Additionally, a poor driving record can lead to higher insurance rates.

Type of RV or Motorhome

Recreational vehicles span the spectrum from a basic popup to a luxury Class A motorhome, so your premiums will be different depending on what type you decide to buy. From simple camper vans to ones that include bathrooms and kitchens, the heavier, bigger and more expensive the vehicle, the more expensive to insure.

At its most basic, it helps to pay for damages and injuries to others in an accident you cause. You can also purchase full coverage for greater first-party protection, so you can get your RV repaired or replaced, regardless of fault. You can also purchase additional coverage for items such as awnings and satellite dishes. You may also ask your insurer about items such as:

• Towing and Roadside Assistance
• Fulltime Residence Coverage
• Emergency Expenses

The specific type and amount of coverage needed may vary based on state regulations. To ensure compliance and peace of mind, it’s best to research local laws or speak with your insurance provider.

Yes, you certainly can. Your insurance company should happily offer safe driving discounts, military or first responder discounts, pay premiums up front discount and any number of other discounts, including:

• Bundling: For the best discount of all, bundle all of your policies together with the same company, including home insurance, car insurance and renters insurance.
• Safety and Security Features: Adding additional safety features to your RV, as well as where you park it can result in a discount.

Check with your friendly Acceptance agent to find out how you can qualify for discounts on your policy.

You will need RV insurance if your vehicle is self-propelled in order to drive legally. Here is a chart with some examples of recreational vehicles that do and do not need insurance.