Owning an RV can be a dream come true for many people. It offers the freedom to travel and explore the country in comfort and style. However, like any other vehicle, owning an RV comes with the responsibility of insuring it. RV insurance can be costly, especially if you're not aware of the factors that influence your premiums. In this guide, we'll discuss some cost-saving tips that can help you get the most out of your RV insurance.

Understanding RV Insurance

RV driving in the woods

RV insurance is a type of insurance that covers recreational vehicles, including motorhomes, campers, and travel trailers. It's designed to protect you in the event of an accident or other covered event that damages your RV or causes injury to others. RV insurance typically includes liability coverage, collision coverage, and comprehensive coverage, among other options.

Factors That Affect RV Insurance Premiums

Several factors can affect your RV insurance premiums. These include:

  1. The value and age of your RV
  2. The type of RV you own
  3. Your driving record
  4. Your age and gender
  5. Your location
  6. How often you use your RV

Insurance companies use these factors to determine how much of a risk you pose and how much they should charge you for coverage.

Cost-Saving Tips

Couple unpacking their RV

Here are some cost-saving tips that can help you get the most out of your RV insurance:

1. Shop around for the best rates

Not all insurance companies charge the same rates for RV insurance. Shop around and get quotes from multiple providers to find the best rates.

2. Bundle your insurance policies

If you have other insurance policies, such as home or auto insurance, consider bundling them with your RV insurance. Many insurance providers offer discounts for bundling policies.

3. Increase your deductibles

Increasing your deductibles can lower your premiums. However, be sure to choose a deductible that you can afford to pay in the event of a claim.

4. Join RV clubs

Many RV clubs offer discounts on RV insurance as well as other RV-related services.

5. Install safety features

Installing safety features such as smoke detectors, carbon monoxide detectors, and security systems can lower your insurance premiums.

6. Drive safely

Maintaining a good driving record can help lower your insurance premiums. Avoid speeding tickets and other traffic violations.


Owning an RV can be expensive, but by following these cost-saving tips, you can keep your RV insurance premiums under control. Remember to shop around for the best rates, bundle your insurance policies, increase your deductibles, join RV clubs, install safety features, and drive safely.

RV Insurance Cost Saving Tips
June 2, 2023

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