Rv insurance
Hello guys, I just bought a fifth wheel and now I need to get insurance. I just called our insurance company that covers our house and our vehicles, and they offered a quote for RV insurance of $77 a ...
Forum Discussion
My wife is the one who pays the bills/insurance bills and I asked her how much each RV was per year be cause we are on the road I a CG with the 5th wheel down in Tennessee presently and I can't access the bills right now.
She said the Lance TC was $26/6 months or $52 for the year.
Our Carriage Carrilite 5th wheel is $34/6months or $68 for the year.
Full replacement coverage on both the RV and it's contents.
$900/year is insane for even a non-motorized RV of $75,000 value or less. Insurance premiums do vary greatly from state to state and locality within the state be come on, $900/year??? In or the suburbs of big cities of a million+ are naturally higher as the risks is much higher and premiums are based on risk exposure. Economics of the city/area lived in or near make a difference too. My Brother in the West Palm Beach area of Florida (Jupiter) insurance premiums are approx 3 times our for his vehicles and his RV, but that stiil would only be a little over $200/yr.
The key to very low insurance rates is to cover all under a combined blanket policy. When we did ours back in the 1990's, our yearly premiums dropped to 1/3 of what they were. Your credit score makes a big difference (10%+) also as does a clean driving record (no tickets or accidents) and also no claims. We get a 25% blanket plan premium discount for having their "Safe Driver" classification alone and that's a huge savings each year too.
Wife hasn't had a ticket or involved in a fender bender in over 40 years now and I'm 54 years without either. My only accident was when stopped dead for an ambulance with sirens and lights going, was run into by the ambulance from behind that'd had back too soon and took my front fender and bumper literally off forward. Back when I was in college. Tickets gotten kills low insurance rates for years at min plus you get to pay the fine adding to the frosting on your insurance cake. Speed and pay and pay and pay!
She said the Lance TC was $26/6 months or $52 for the year.
Our Carriage Carrilite 5th wheel is $34/6months or $68 for the year.
Full replacement coverage on both the RV and it's contents.
$900/year is insane for even a non-motorized RV of $75,000 value or less. Insurance premiums do vary greatly from state to state and locality within the state be come on, $900/year??? In or the suburbs of big cities of a million+ are naturally higher as the risks is much higher and premiums are based on risk exposure. Economics of the city/area lived in or near make a difference too. My Brother in the West Palm Beach area of Florida (Jupiter) insurance premiums are approx 3 times our for his vehicles and his RV, but that stiil would only be a little over $200/yr.
The key to very low insurance rates is to cover all under a combined blanket policy. When we did ours back in the 1990's, our yearly premiums dropped to 1/3 of what they were. Your credit score makes a big difference (10%+) also as does a clean driving record (no tickets or accidents) and also no claims. We get a 25% blanket plan premium discount for having their "Safe Driver" classification alone and that's a huge savings each year too.
Wife hasn't had a ticket or involved in a fender bender in over 40 years now and I'm 54 years without either. My only accident was when stopped dead for an ambulance with sirens and lights going, was run into by the ambulance from behind that'd had back too soon and took my front fender and bumper literally off forward. Back when I was in college. Tickets gotten kills low insurance rates for years at min plus you get to pay the fine adding to the frosting on your insurance cake. Speed and pay and pay and pay!
