When we bought our new Minnie Winnie in Oct 2016, I simply called my insurance company (Liberty Mutual) and added the RV and waited for a bill. They had served us well for years with auto and townhome coverage, so we didn't give it much thought until the premium notice arrived. It was shocking! Closer to what OP mentions. We quickly got on the Good Sam website and applied for and received a new policy all online for a fraction of Liberty's price. Very satisfied with the people at Good Sam. You can't overstate the convenience of pulling over into a rest stop and taking a nap, using the restroom, making lunch, getting drinks all without anyone moving outside between vehicles.