Providing both transportation and shelter, an RV can be an exciting and affordable way to travel the country. But just like any motor vehicle, it’s critical to make sure your camper is properly insured before you hit the road. If you’re curious about what this protection could cost you, here are five major factors that influence the cost of recreational vehicle insurance.

5 Factors That Determine RV Insurance Rates

1. Driving Record

When you insure an RV, you must also list specific individuals who will be covered when driving the vehicle. If you have a clean driving record with a minimal insurance claims history, you’ll likely receive a lower rate. However, if you have a history of accidents and tickets, you could be considered a higher risk, which may result in higher premiums.

2. RV Type

The more expensive a recreational vehicle is, the more it will cost to insure—especially if you opt for additional collision or comprehensive coverage. If you have a larger Class A RV, you should expect the premium to cost more than what’s required for a Class C motorhome.

3. Overall Usage

The more your RV is on the road, the more risk it faces. As such, those who use motorhomes all year long will have to pay more on insurance coverage than those who only use their recreational vehicles for occasional vacations.

4. Security

Insurance providers will take security features into account to determine your premium. For example, having anti-theft devices installed can significantly lower your risk of a break-in, and in turn, lower your rate. Storing the vehicle in a secure garage may also qualify you for a discount.

5. Bundling

If you’re looking for an affordable RV insurance option, using your current home or auto insurance provider will usually qualify you for a discount. However, it’s worth researching other providers who also offer savings for bundling to see if they provide more value.

When you want to protect your RV from the risks of the road, turn to the Accredited Insurance Group, Inc. Serving motorists of Omaha, NE, for more than 25 years, this experienced provider will help set you up with a policy that offers comprehensive protection for an affordable rate. They can also help you save by providing you with dependable auto and home coverage. To learn more about these options, visit this local independent agency online. For a custom quote, call (402) 334-1780 to speak with a friendly agent.