5 Ways to Make Your RV Insurance Quotes Accurate

There’s nothing worse than getting RV insurance quotes that are inaccurate or don’t have the coverage you need. So before you fill out any forms or contact an agent, take the time to plan what kind of coverage you want. Then when you are ready to shop, you can take five additional steps to make sure your quote is accurate.

1.    Decide how often you will use the vehicle

Do you plan to take more than a few weekend trips every year? Or are you planning to mostly use it once or twice during the summer months? Try to pin down an accurate number of days you will be using the vehicle. If you will be using it for more than 150 days per year, for example, you may be eligible for a different rate.

2.    Decide how you will use the vehicle

a.    Is the vehicle going to be stationary, or will you be driving it?
b.    Will you be storing it in your driveway, or away from home?
c.    Is the unit going to be used for business?

Decide exactly how it will be used to suit your needs, because an agent will need to have a good idea of how it will be used to give you the proper coverage.

3.    Provide accurate specifics about your vehicle

It sounds almost too basic, but be sure you know your vehicle type.
a.    Is it a Class A or a Class C?
b.    Camper van or camper truck?
c.     Pop-Up or travel trailer? Is it new or used?
d.    What’s the year, make and model?

Take a few moments to jot these answers down before you ever begin shopping for coverage. Giving your agent the correct answers to these questions will save a lot of headaches down the road, and will make sure your policy is accurate.

4.    Make sure to include any accessories that require coverage

Many first-time motor home owners mistakenly believe that permanent attachments are covered by a basic policy. Actually, they require additional coverage.

Since these items are the most frequently damaged and claimed items on a recreational vehicle, it’s best to make sure your agent knows about them. Steps, awnings, antennae, and any retractables should be included on your "must insure" list.

5.    Be frank about your driving history

It’s easy to forget about a ticket, or want to fudge your driving history so you don’t include that one at-fault accident. But to get the most accurate policy quote, you need to tell your agent about any tickets and accidents (at-fault or otherwise) you have had in the past three years. Your agent will discover them anyway, so save yourself time and embarrassment by being forthcoming about your driving past.

Once you have followed these five steps, you can rest assured that the RV insurance quotes you get will be accurate and will provide the coverage you need. Then you can bargain hunt to get the best policy for your money!

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