Top Ways to Reduce RV Insurance Costs Out of Season

​If you’re like us, some days you wish that you can spend all day in your recreational vehicle, or RV, away from the hustle and bustle of life back at home. And if you’re like us, you probably spend other days thinking about how to pay lower insurance premiums. Your RV is more than just a car, and it is also more than just a home. Regardless of what your RV means to you today, let’s talk about ways to reduce your insurance costs during the off-season. 

​Pay only for comprehensive coverage.
Since your vehicle will not be out there on the road the whole year round, you may not have to pay for liability and collision coverage year round. After eliminating these two, then you can reduce your coverage to only comprehensive. Comprehensive coverage can still protect your RV from vandalism, theft, fire and water damage, breakage of glass, and other accidents.

Eliminate optional coverages.
While you are using your RV, you may wish to eliminate coverages that are optional and you can live without. You may remove towing and substitute transportation and save money on your monthly bill. Nonetheless, you can ask your insurance agent in case there are some months that you will still wish to pay for these coverages.
Increase your deductibles.

Sit down with your insurance agent and talk to him about how to raise your deductible to the maximum in order to reduce your monthly insurance costs further. Just take note that before this could happen, some companies require a 90-day period, so talk to you agent about your policy and be prepared to schedule storage before asking for an increase in deductible.

Buy a smaller RV.
One of the most important considerations that you have to make even before buying an RV is to consider purchasing a small one. With a smaller RV, you can have lower premiums to pay, and you won’t even have to think of ways to reduce your insurance costs. However, make sure that the RV you buy is still the one you actually need.

Some Final Words
There are many ways to reduce your RV insurance costs. Reducing your premiums to a minimum will allow you to spend more money on maintenance and to allocate some for other more useful expenses. The logic here is that you don’t have to pay high insurance premiums for something that you will not be using most of the time.

At AllRisk Auto Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (360) 693-4044 or Click Here to request a free quote.