My Rv insurance cost went up 28% & I've had zero accidents

And one thing to keep in mind with insurance ( all kinds ) is that's it's not all about you. Overall insurance costs go up because of many of the things listed above, plus overall costs to repair RV's. If the company is not making enough money across the book of business and they can justify the rate increase to the regulators the rates will go up. Good drivers with no violations or accidents help pay for those who do. Healthy people help pay for sick people.