Wow yerself!
Apples to apples.
What levels of liability?
Minimum for your state (here it's 15/30) - or 100/300 (or more)..??
(IMO - personal minimum should be 100-300)
Collision coverage (deductible)? 250-500-1K?
The RV - simply an add-on (common for trlrs) or separate coverage?
(Which is usually much better).
If you say so! I don't live where there are hurricanes or tornados. But we do have earthquakes. And if you look carefully adding 100/300 or more liability (my minimum) does not raise the rates from $500 in six months to $1700! It is only a few dollars a month more. Same with adding uninsured motorist, medical, and going with $500 comprehensive deductables. There is something else going on with the OP, perhaps teenage drivers. But his post does speak to the industry and the need to shop around.