An RV is a great way to get out and see the world; however, there are different risks and liabilities that come with this type of vehicle that can make choosing the appropriate insurance slightly stressful. Whether you are new to RV traveling or have years of experience, here are a few common mistakes to avoid when choosing RV insurance.
Assuming Auto Insurance is Enough
As an RV owner, it is important to understand that your RV is much more than just a large automobile. It’s a specialized vehicle that requires a different type of policy and coverage. For example, it needs coverage that also protects your personal belongings stored inside of it. For this reason and many others, it is essential that you purchase an insurance policy specifically designed for your RV.
Insufficient Coverage and Buying the Lowest Priced Policy
It is essential that you have sufficient liability coverage, which will protect you in the case of an unfortunate incident. Not having sufficient liability insurance can result in a large financial loss, especially if there are medical expenses and loss of wages that exceed the coverage. Although it’s nice to save money, it is recommended that you avoid buying the lowest priced policy. Before buying RV insurance, you should compare the features and services that are available with the different priced policies.
Not Knowing About Potential Discounts
There are a number of things that can help reduce the premium for your RV insurance. For example, combining coverage for your RV with automobiles and home insurance policies through the same carrier, installing security and safety features on the RV and maintaining a clean and safe driving record can all provide discounts on your policy.
When searching for RV insurance, it is important to talk with your agent about the type of RV you have, the frequency of use and where you store the vehicle.
Residents of Commerce, GA and the surrounding area interested in learning more about RV insurance or upgrading their policy should contact North Georgia Insurance Center.