If you’re ready to hit the open road, a recreational vehicle is one of the best ways to see different perspectives of the country. Being protected from damages and liability is the key to enjoying your time to the fullest. Here are a few factors that can affect your RV insurance bill.

What Affects RV Insurance?

1. Frequency of Use

The more you use your RV, the more you’re going to have to pay in insurance premiums. If you only drive your RV on special occasions, you can save money by purchasing recreational insurance coverage.

However, if you’re planning on traveling a great distance, your increased exposure to potential hazards will put you at risk. Your rates will also be significantly higher if you’re using your RV as a full-time home. This is because outside parties have to be covered just like homeowners insurance.

2. Driving & Insurance History

When it comes to insurance premiums, your past could dictate your future. A history of car accidents, infractions, and parking tickets can put you in a high-risk category, leading to steeper insurance premiums. Frequent insurance claims and coverage gaps could also increase your RV insurance premiums.

3. Storage Location

Your insurance rates can also be determined by where you park the vehicle. Expect to pay more if you live or park in an area with higher rates of theft and accidents. Consult with your insurance agent to determine the cheapest zip code or state for storing your RV. Keep in mind that your RV may be required to be registered in the state you choose to keep it.

4. Deductibles

This rate is the out-of-pocket expense you’ll have to pay before your insurance company begins paying for your claim. If you don’t use your RV that often, or if you have emergency funds in place, choosing a higher deductible will considerably reduce your premium rates.

To purchase coverage for your recreational vehicle, contact Aaron Unell -- Liberty Mutual® Insurance. This Saint Louis, MO, insurance agent provides expert advice and essential resources to help you choose the best auto or RV insurance to fit your needs. Contact him at (314) 750-0317 or reach out via email to learn more about what insurance providers are right for you and your assets.