America has a national love affair with road trips. To prove this, one merely has to look at the percentage of people buying or shopping around for recreational vehicles. Consequently, there is a diverse range of vehicles that fall into this category, such as motorcycles, camper vans, travel trailers, and boats, to suit each traveler’s needs.
Like conventional automobiles, leisure vehicles require insurance too. Before buying one, consider exploring recreational vehicle insurance packages first to learn how much your overall purchase would cos. More importantly, doing so will let you find out which package fits your vehicle and travel needs. Here are a few things to consider:
What Type of Travel Will You Do?
When the choosing the right insurance, you should ask yourself, How many times will I be on the long distance road this year?; What type of travel or leisure activity will I do?; and What type of RV am I getting? Having the answers to these questions will help you and your insurance agent determine how much risk you’re putting up and what type of coverage you will need.
Who Will Be Travelling with You?
If you’re married, married with kids, or even have pets you wish to take along, then it’s important to bring them into the fold. Your insurance carrier will consider this when determining your rate, especially if one of them will be doing some of the driving.
What Type of Coverage Should You Get?
You have the option of getting a typical auto insurance for your RV, but the standard package will only cover physical damages. It’s best to choose an insurance policy that will cover other losses and emergency expenses, too. Amistad Insurance Services, for example, offers sport and leisure vehicles insurance, on top of auto and home insurance services in Raleigh, NC.
Should You Apply for Discounts?
While your mileage may raise your premium rate, you can still get a discount based on other considerations. For instance, if you have a clean record and have not been in an accident for more than two years, your insurance carrier can lower your premium. Don’t be afraid to ask your agent about other discounts that you may be eligible for.
You don’t know what lies ahead when you’re driving on state highways and camping out in remote places. Protect your motor home-away-from-home and your finances by getting the right insurance coverage.