Does specialty RV insurance cost more than standard auto insurance?
Amazingly, specialty RV insurance is comparable and often less than auto insurance – and you get a whole lot more coverage for your money. How is this possible? RVers are generally more mature, safer drivers than the general auto-driving population. RVs are used less for commuting and quick trips – times when many auto accidents occur. RVs are a much greater investment than cars, so drivers tend to be more careful on the road. All of these factors add up to fewer claims for RV insurance companies, which mean lower premium costs for you. Auto insurance companies clearly experience more frequent losses than specialty RV insurance providers and, therefore, must charge a higher premium across the board to both auto and RV owners.
