Everyone knows about the importance of car insurance, but not everyone knows all of the details of saving money on RV insurance in California. There are a lot of ways to get a better rate, and some of them are not common with other insurance policies. The more you know about options for RV insurance, the more you may be able to save money on your policy. Here are some options that may save you money on your plan.
Ways to Save on RV Insurance
Safe Driving Record
Many RV insurance providers in California will provide a discount if you have a safe driving record. This varies depending on the insurance company, but it is definitely worth discussing in more detail with your current provider or new potential provider.
If you have had insurance for a recreational vehicle for some time, without making a claim, you may be eligible for a claim-free discount. You can discuss your claim history with your current insurance provider and see if you are still eligible for this type of discount based on your history.
Original Owner of RV
If you are the original owner of your RV, some RV insurance companies will give you an additional discount on your insurance cost. If you are not sure if you would qualify for this, or if it is not currently being applied to your plan, talk to you provider to be sure.
Part-Time or Full-Time Use
The way you use your RV can affect your insurance costs. You may be able to pay less if you only use your RV part-time for vacations and things of that nature, rather than if you are living in your RV full-time. If you want to know how your RV usage is classified in California, contact an insurance expert.
Bundle and Save
Some insurance providers give you a discount if you have multiple policies with them and include your RV insurance as one of those policies. If you have multiple policies, or are considering getting all of your insurance plans from one provider, talk to an insurance expert to see if you can get a discount.