RV insurance and the cost of RV Insurance is something you have to consider when buying an RV, there are many factors which can influence this price. If you know what the insurers are looking for you may be able to get this price to a minimum.
One of these factors is the place you are keeping the RV when not in use. If you were to leave it in Florida during a hurricane season then this may be prone to damage so the insurance company will want to compensate for that. They would do this by charging you a higher premium. It may be beneficial to keep your RV in a different zip code in order to lower your premium, always check beforehand with the person handling your application.
When you apply for the insurance be sure to be 100% truthful as you will only save a few hundred dollars if that and this could cost you thousands in the unfortunate event of a claim. Any discrepancies will make your insurance void and you will be liable for any repairs.
If you register with the RV association you will get many perks from discounted park fees to a discount on your insurance premium which comes in handy. Discuss any memberships with the agent going through your application to see if they make you eligible for discounts.
You can usually set the excess payment you contribute in the event of an accident, the higher the voluntary excess the lower your premium will be. You have to be careful and not get carried away because in the event of an accident there is no alternative, you will have to pay the excess you agreed on signing up to the policy.
Your age and driving history plays a huge factor when it comes to insuring a motor home. If you have had a clean accident free history then you will be able to get a huge discount compared to if you have had an accident in your younger years. Another big factor that every single insurance company will look at is your credit history, if you have defaulted on payments in the past this can make the premium higher as you may seem liable to default again in the near future.
There are many different ways in which you can lower your premium which you should discuss with the agent dealing with your application in order to get the lowest policy possible.