The same diligence used in selecting an RV should also be used to evaluate which insurance will best protect your RV and your motorhoming lifestyle. Although individual states mandate the minimum amount of coverage required to register your RV, there are many other coverage features to consider to ensure that your RV is fully protected. With assistance from the agents at Modern Insurance Marketing, Inc, you'll avoid the following mistakes and be on the road sooner than you think!
Mistake #1: Thinking car insurance is sufficient to cover your RV
An RV is not just a big car. Specialized vehicles require specialized insurance. You need coverages that accommodate the kind of personal belongings you keep an RV, discounts that reflect when and where you drive, and services that provide expert RV assistance.
Mistake #2: Shopping for the Lowest Price Available
Don’t underestimate the value of a service-oriented, reliable and specialized RV insurance company when you search for RV insurance coverage. Be sure to compare features and services, not just price.
Mistake #3: Choosing Inadequate Liability Coverage
Liability coverage is what protects you in the event you injure other people or damage property with your vehicle. Choosing lower liability coverage limits may leave you seriously at risk financially, since medical bills and loss wages can quickly exceed low liability limits. Do more than choose state-required minimums – choose the coverage that reflects your personal financial situation.
Mistake #4: Missing Out on Potential Discounts
- Built-in premium savings can offer many ways to reduce your premium. And some of them may surprise you! Just a few discounts that you may qualify for include:
- Insuring your RV and autos on the same policy
- Using our exclusive Storage Option that allows you to suspend coverages you don’t need when you’re not using your RV
- Having anti-theft devices, airbags and other security devices
- Having a safe-driving record
Mistake #5: Neglecting to consider life changes
Life changes like moving, buying a house, getting married, having a new baby, or having a new teen driver in the household can affect your insurance needs and the price you pay for coverage. Even your birthday can change the money picture when it comes to insurance premiums.
You may not think about RV insurance when unpacking at the new house or blowing out the candles on your birthday cake. But the fact is – all of these things potentially affect the coverages you need, and reduced rates may be newly available!
So be sure to keep your policy current – and that means everything from address changes to marital status to sending off your firstborn to college. Generally speaking, these life events – and more – offer opportunities for revisiting your RV insurance coverages and for enjoying more savings!
Call MIM today and you will be selecting a company with stability and a proven track record. The right coverage means peace of mind and many years of enjoyable motorhoming.
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